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fredsed

Robbersway for HPH2 chasing old Tesco Credit card 'debt'

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Your good advice please.

 

I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired.

I suspected this could be nearing SB

 

I checked my credit file and discovered that there is no information about this account on my file prior to May this year!

 

As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other?

Who’s responsibility is it to insure the information on a credit file is accurate and up to date?

 

Would the OC remove this info or what could have happened?

 

It’s all a bit odd and I’m not sure how to respond if at all to the DCA.

 

Regards

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What type of debt e.g catalogue, credit card ?

 

How many years ago did you take out the original account ?

 

Roughly when did you last make a payment or send written acknowledgement ?

 

Nothing on credit report prior to May. Has DCA added this debt to your report ?

 

Normally original creditor adds debt default and any subsequent debt owners update with their details. Sometimes in error the OC does not add default or it gets removed when it is in process of being transfered.

 

You don't need to respond to a DCA, following one letter.


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Vague threats of passing on to sols after a couple of letters...

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Is this related to MBNA or another debt ?

 

You posted about an MBNA debt over 2 years ago,


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I wouldnt respond at all, they are clearly fishing with very limited bait. If they come back with a proper LBA then you send a CCA request and that will keep them busy or knock it on the head completely. As they are acting on behalf of someone else they will probably go away after another letter with more scary promises of doom and gloom.

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Good morning,

received LBA yesterday (5th)threatening court action if I don’t contact within 10 day of date of letter (29th Sept!) so need to act today!

 

I’ve had a dig around on my CF and found that my last recorded payment was in September 2010!

Cant find any other record of payments.

 

The account default date is 15th Oct 2010.

Should I send CCA request off today then do a bit more research to see if this accounts now SB?

or just go straight in with SB?

 

Sorry just seen the earlier posts by unclebulgaria

 

1, Credit card

2, 2009

3, Oct 2010

4, Not sure but it seems that way.

Very little info on CF.

Checked a couple and found some payment made up and including September 2010.

On on other CF default date and amount noted with date of account started.

 

No it not MBNA

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So what card is it then?


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It’s a Tesco Credit card I thought it was an old NBNA ...it’s an age thing!!!

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so most prob SB'd then

 

pers i'd do nothing yet.

 

the letters are designed to make you panic and respond

 

don't!

 

dx


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I’ve sent a CCA request off to the Sols and DCA this morning.

 

Think I’ll SAR the OC as well see whats what as there is little or no payment history on my CF. Your good advice would be very welcome.

 

Ah typical just read you message!! I thought it best as Ive had a letter from DCA sols and didn’t want to risk court action :-(

 

Trouble is I don’t know if it SB as there is no payment history on my credit file after Oct 2010 and I have no record of having made any paymens to this account.

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Shame you responded to them at all really, now they'll try to reel you in.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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why not ring Tesco's and ask?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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dx100uk ...what should I ask Tesco?......

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urm..if it s raining in outer Mongolia..???

 

 

what info do you need to know......post 12?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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why now ring Tesco's and ask?

 

Sorry I miss read this...did you mean ‘why not’ ?...I though it was always best to write. ?

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Only applies to dca's


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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I’ve finally received a letter from DCA with a recon CCA and a simple statement from OC (Tesco).

 

This alleged debt is not on my credit file.

 

They are asking for payment of course and threatening court action if nothing is forthcoming from me.

 

They have given me 30 day to respond.

Your good advice would be appreciated.

 

Sorry should have added that according the ‘account statement, it’s not SB.

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scan up all they have sent to ONE multipage PDF please

 

 

follow the upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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so its not statute barred

and was an online agreement?


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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I don’t have any record of payment myself but the statement suggests it’s not SB. As far as it being an online agreement I’m afraid I really don’t remember.

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You can ignore robbersway demand for an I&E form to be sent, that has absolutely nothing to do with them.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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What would you advise I do about this request for payment? Is the documentation in order?

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what other letters have you had discount ones?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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yes I have had a reduced settlement offer and a suggested payment plan from same DCA last year.

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