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Credit file being wrecked by Tesco yet they dont know who I am

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How's the rest of your credit file pete?


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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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better than it was... I literally had about 9+ defaults on my file after having the misfortune of being mis-sold a debt management solution when i was absolutely fine!

 

So, now, whats left, i have an old ccj from 2007, this Tesco issue drggaing its feet as a constant 'late payment 6+) and an £87 default from 3 i need to sort out.

 

Apart from that, building fine, got 3 credit cards and a car loab, all reporting positive feedback to my file.

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So, weeks on.. no response from themPlease, what are the next steps?

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Did you send your letter, headed as an Official Complaint ? If so, they have 8 weeks to resolve this. If you didn't send it as an OC, then I suggest you resend it to their Head/Registered office and make sure they are aware it is an official complaint.


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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Has it been 8 weeks ? If not, then you are going to have to give them exactly that amount of time. Although, you could send a chase letter..

 

Something along the lines of.

 

Dear Sir/Madam

 

On DATE - I sent a formal complaint. Whilst I appreciate that there will need to be an investigation into my complaint, to date, I have not received an acknowledgement or timeline.

 

I look forward to your early response.

 

yours etc..


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Has it been 8 weeks ? If not, then you are going to have to give them exactly that amount of time. Although, you could send a chase letter..

 

Something along the lines of.

 

Dear Sir/Madam

 

On DATE - I sent a formal complaint. Whilst I appreciate that there will need to be an investigation into my complaint, to date, I have not received an acknowledgement or timeline.

 

I look forward to your early response.

 

yours etc..

 

Letter sent mid March from memory.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok, so notifications arent working! Anyway...

 

So, ive heard nothing. Zilch.

 

Ill send the above for a 'prompt'? And wait... how long?

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7 working days fro the date of posting!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You would have thought 20 weeks was enough?!?!

 

After this 'follow up' what are my next options?

 

It sits there.. on my credit file.. every month saying "not paid"... to a bill I cannot pay >:(

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Have you made a Subject Access request ?

 

You say in an earlier post that Tesco showed the FOS a file from a previous address - was this an address you lived at ?

 

Even so, it looks as though this debt is statute barred and they should no longer be reporting on it. Have you considered a complaint to the Information Commissioner ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ill consider anything B. I need to get rid of it but no-one interested in enforcing anything. Im not even sure I know what the FOS found out, they just gave me a conclusion, stating Tesco have had a word with them and they believe I have a debt with them.... yet they havent passed me anything! Not even a debt collectors letter to my new address so what the heck do I challange Every request for removal from my credit report gets a reply of "we checked with tesco, they believe its correct" yet any enquiry from me, gets no reply. Grrrr

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I must admit, I am flummoxed by the response from the FOS. They cant simply say that Tesco "believe" they you have a debt with them, without providing any evidence. Especially in view of the fact they say they don't have a clue who you are ?

 

If you have a debt with them - then they should be able to provide SOMETHING !!

 

If this were me, I would be putting pressure on the ombudsman service to explain themselves, or at the very least to explain Tesco's reasoning and for the FOS to provide the evidence that they have provided to them and not you ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Unfortunately, I am once again victim to time. Going through a divorce, I sent my first letter and second follow up letter with a year in between. All I Got from tesco through this time was "No idea, can YOU provide US with more information" My response being... er, you should know?

 

FOS said they had no obligation to assist due to such a long time in between correspondence, looked at all the evidence i had, my addresses Id lived at and so on, concluded i owe a debt and its up to me and tesco to do something about it, however they couldnt charge tesco with any wrong doing as such as they had information they believed to be correst which matche dmy addresses... that was it! No credit agreement or account numbers, just A debt record at my address ,so must be right?? I argued on the phone they wouldnt return my letters and the telephone system doesnt recognise me (Call center) so how could I proceed. "Unfortunately youve waited too long for me to help"

 

So, I return here to try my own fight... but im not getting anything out of them, if they dont respond.

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I wonder if it would be worth starting the complaint from scratch ?

 

Tesco - 8 weeks

FOS, new complaint.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I shall start a new complaint to the FOS AND send my complaint to the ICO.

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Sounds like a good plan :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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it might get you furthur going down this route then at the end of 8 weeks you can imform tesco's that you will be making a claim in court for damage's .they will then have to put up or shut up


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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FOS Complaint done.

 

Resent demands to Tesco directly.

 

Ill report back

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Ok, so today I recieved a letter! Finally

 

It states in order to respond in full I must sign the agreement and send it back - its an agreement to authorise it being sent to my new address

 

So, no news as yet, still trying to prove who I am

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Ok so they have sent a final letter stating they intend to pursue the debt:

 

I am writing further to your letter of 4 September 2013. Thank you for returning this to me.

 

In order to review your complaint I have have reviewed all the information held on the file including details of your recent complaint which you took to the FOS. As you are aware the FOS agreed with our decision not to remove the account from your credit file this debt remains outstanding. Your account was opened in 2000 and no information has been provided to suggest this application was fraudulent.

 

Tesco Bank stopped pursuing this debt as we were unable to locate you, however, we informed the FOS when dealing with your complaint as we had now been unable to trace you that we would recommence collections activity for this outstanding debt. I am sorry for any disappointment this decision may cause you.

 

As you know the adjudicator at the FOS has already recommended we do not change our decision in relation to your complaint. Should you wish them to relook at theis complaint then you are welcome to do so and they would pass your complaint to an Ombudsman to make a final ruling.

 

Thank you again for bringing your concerns to our attention.

 

Yours sincerely

Stewart Tweedie

Executive Complaints team

 

 

So, they are stating in writing that despite an account fo 13 year. they are going to persue it? Illegal surely. Also, no account numbers or any further details provided! Still, none the wiser!!!

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take them to court and claim £1000 per year that they have being wrecking your file


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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