Tesco loan - failing to acknowledge nominal payments made

[JamesC71]

PERSONAL UNSECURED LOAN

COMMENCED NOV 2010

BALANCE £1695

LAST FULL PAYMENT FEB 2015

AGREED INTERIM NOMINAL PAYMENTS £1pm FOR NOV, DEC 2015, JAN 2016.

PAYMENT OF £3 MADE IN NOV 2015 to cover 3x £1 PAYMENTS

ACCOUNT DEFAULTED MAY 2015

 

 

12 May 2015` Default notice received

25 July 2015 Another default notice received with new date!!

27 May 2015 Requested 30 days hold on account, freeze interest

9 Sept 2015 Offered nominal payment of £1pm for Oct, Nov and Dec

16 Sept 2015 Received letter from Tesco accepting 3x £1 offer

Oct 2015 Cheque sent and cashed for £3 to cover 3x £1. Cleared bank account.

9 Dec 2015 letter to tesco offering further six months at £1pm

11 Dec 2015 Letter from tesco received (written 7 Dec) "we've yet to receive your payment of £1. this means the conditions of your current repayment plan have not been met and the arrangement is now broken"

11 Dec 2015 letter sent to tesco - reiterating that £3 has been paid and cleared, insisting they retract accusations of non payment and non-compliance with agreement and provide written acknowledgement of payment of £3

14 DEc 2015 Reminder that account remains unpaid and that unless I ma able to agree acceptable payment plan, will be passed to DCA, blah, blah.

 

 

Please advise how I should proceed with this, as they are failing to acknowledge that payment has actually been made in accordance with interim agreement.

 

Am I correct in assuming that this brings the account in DISPUTE and while in dispute they cannot pass to DCA.

 

How should I respond?

[dx100uk]

you've prob confused them by paying £3

rather than £1PCM as you agreed.

 

 

dx

[JamesC71]

Good point DX, but surely it's not exactly rocket science....

[dx100uk]

depends upon your letter to them outlining what you were going to do?

if you said £1PCM for NOV, DEC 2015, JAN 2016

and you paid £3 in one go.

 

 

sadly to me, you did not keep to it

 

 

I know it sounds irish to you and me, but not a creditor.

[JamesC71]

OK, so should I send a letter to them asking for clarification.

 

i.e. to establish that they are simply being pedantic but to confirm they have received a payment of £3.

 

Irrespective of whether or not the payment was made in the way agreed, they surely still have to acknowledge any payment made towards the account if asked?

[dx100uk]

11 Dec 2015 Letter from tesco received (written 7 Dec) "we've yet to receive your payment of £1. this means the conditions of your current repayment plan have not been met and the arrangement is now broken"

11 Dec 2015 letter sent to tesco - reiterating that £3 has been paid and cleared, insisting they retract accusations of non payment and non-compliance with agreement and provide written acknowledgement of payment of £3

14 DEc 2015 Reminder that account remains unpaid and that unless I ma able to agree acceptable payment plan, will be passed to DCA, blah, blah.

................

 

 

I would suggest going by the dates of their letter

dec 11 was in response to dec non payment - as the £3 was credited as the nov payment.

 

 

14 dec sent before your 11dec letter received.

 

 

pers I'd simply go pay £1 now via internet webbanking portal.

 

 

dx

[Queens_king]

It could depend on either or both of the following

 

The accounting system used

The company policy on advanced payments

 

I am a qualified AAT and in my last two companies I worked for the system would not allow advanced payments or receipt and the instructions were to post the whole amount the day it was dated, thus credit control missing the payment as it shows up as not paid and another employer either doing the same as above or posting to the prepaids account which many account staff have no access to and therefore post as scenario 1