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    • Hi.   Could you let us have the information requested in the forum sticky please? This will help us to advise you. In the meantime don't worry too much about this.     HB  
    • So last August my girlfriend went to Legoland with the kids (4 & 8) and her mum and then went to Pizza Express in Windsor. They parked at Castle Car Park.    They paid to park and went to eat. They were then a few minutes late back. There was already an attendant issuing a ticket. The attendant then waited until my girlfriend was over ten minutes late to issue the ticket despite her being there well within any grace period.   My girlfriend appealed to Ultimate Customer Solutions end of August but did not receive a response (they later said they emailed a rejection which my girlfriend never received until it was resent). Then in August she received the first debt collection letter. Then my girlfriend was advised to respond to UCS requesting an Subject Access Request (SAR) which they have not ever acknowledged or responded to.    So then we thought they had gone away until we received a letter from CSB solicitors (same address as UCS) advising they would be beginning court proceedings against my girlfriend. I told my girlfriend to complain that they haven't responded to any of our requests so she called the number of UCS and was basically accused of being rude to the t*** at the end of the phone. She wasn't but he wasn't very helpful and said they had responded to the appeal and sent it again. This was on the 16th January 2020.    On the 29th Jan this was sent after another chase to the solicitors:   I have reported UK Parkings ltd to the ICO as they are in beach of GDPR having ignored my SAR request. Further to this I was not notified that my initial appeal had been rejected and therefore cannot further appeal in a standard way and therefore I am awaiting further advice for ways to appeal against this unfair PCN.   As it stands should you decide to further contact me in regards to this matter without good cause I shall be seeking legal advice as per my statutory rights.   My girlfriend then received another letter from UCS threatening debt collectors (I told her not to worry about this) and so she wrote to the solicitors asking for an update:   Email dated 21/02/2020 I am writing to you regarding my email sent on 29th January, below. I still have not received a response from you and I left a voicemail for a solicitor to call me from CSB Solicitors, which I have also not received. I would like to speak to a solicitor regarding this PCN.   The solicitor responded via email the following: Dear Madam,   Thank you for your email.   Following your email below, we reverted this matter back to our Client for their instructions. We will only be able to respond more fully once these are received.   At this stage we have no further instructions other than to send out a letter to you dated 16 January 2020.   We hope to be able to respond more fully once these are received.   Yours faithfully,   Solicitor   So UCS are not actually doing anything they should do but nobody we have complained to has actually come back to us so not sure where to take this because I don't have time for court and I would rather just have someone take the (insert appropriate word here) to task on these unbelievably poor practices!   Any advice on next steps?   Thanks    
    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
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shedder101

tesco credit card & freds

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I don’t know if this will be of interest, hopefully for people in the same circumstances it will be.

The history of this is a little personal but I feel it needs to be said.

 

In 2005 I had a breakdown, I had a MBNA credit card with £7000 credit limit when I went on a spending spree and in the interim I applied and got another MBNA card with £6500 limit.

 

During the time of my illness I ran both cards up to the max and I was struggling to make the min payments as I also had several other cards at the time.

got these cards by simply applying for balance transfers they were throwing them at me.

Needless to say I defaulted on the two MBNA cards.

 

I wrote to them explaining my situation that I was now on medication and to offer a smaller amount of monthly repayments.

I made the lesser payments each month and each month they marked it as a late payment default and the balance continued to rise.

 

Eventually I stopped paying, a couple of letters and emails from them stating I was in default.

It then went to MBNA debt office, these people were quite aggressive in their emails demanding payment in full and threatening debt collectors.

 

I then wrote to them asking for the charges they kept adding to the account for late payments, I wasn’t late I just didn’t pay the minimum, I also blamed them for putting me in this position, they kept increasing the credit limit so I kept spending and in my condition I had no idea what I was doing.

 

Now on medication, I wrote a strong letter complaining they were the reason I was in debt and they should give me the discount on the advance charges as well as the extra interest cost, I had no reply.

 

Two months later I received a letter from MBNA saying they had written off my debt of over 13k and closed the account.

On checking my credit report it shows as closed balance 0

 

this came as a shock as I had a Tesco card with a large debt on who wouldn’t talk to me regarding my illness and instantly passed it to Frederickson’s.

 

I hope this might help others who suffer mental illness and not to let the credit card co bully them.


had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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Thank you for writing -it cannot have been easy.

You must be pleased that MBNA have written off your outstanding amount which would have reduced the pressure on you no end.

And it is quite a surprise to me as MBNA are not usually so understanding-so well done them.

 

I don't expect Frederickson's will do the right thing and you are best to ignore them and block their calls though reducing the debt by 50% may not necessarily mean the original contract was unlawful in your case.

 

It may be Tesco's suggesting a large reduction because of your health problems.

It might be worth writing to Tesco again, pointing out your financial situation, what MBNA have done to help alleviate your stress and how Frederickson are really harassing you to make payments that sadly you can no longer make.

Then ask if they would kindly consider what MBNA did which would help enormously in helping your rehabilitation.

 

It might work or at least rein in Frederickson a bit.

 

Good luck with your recovery.

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indeed i was so releved when MBNA did that. i have writen to Tesco several times with no responce at all.

on my credit report from Noddle it shows from tesco a default every month since sep 2016 even this month, clear score shows it as closed from feb 2017 but a ballance owing. i get quite confused trying to understand them


had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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You don't give dates for when you started the card with Tesco, nor the last time you made a payment. Are they sending you annual statements of payments paid and the amount owed each year? I was looking back to see if any of your previous posts were about sending a CCA to Tesco but can find few of your earlier posts so I am wondering if you did try at some time.

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I am sorry i have just seen an error on the original post it should say 2015 not 2005 that’s my mistake.

 

in 2013 i took out the cards and kept everything in order up to my breakdown, and until 2016 august payment was less than they required. This was mostly due to the balance transfer offer coming to an end.

 

I started corresponding with them around March 2017 this was after some time being on my medication. I had correspondence of them but i never had to my knowledge a statement of payments.

I can’t remember when it was passed to Fredrickson but I continued to write to Tesco up until Feb this year and still haven’t received a reply. i still have had no statements from them regarding my account

Edited by shedder101
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had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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Under the Consumer Credit act of 2006 s86c and 86d was introduced.

 

From then on anyone in arrears had to be sent an annual statement outlining how much the current arrears stood at.

 

Failure to do means that until the creditor sends it they cannot charge interest on the amount nor can they enforce the debt [ie take you to Court.].

 

So do not write to them asking for a statement- just remember the situation.

 

As I am not sure when you went into arrears with Tesco perhaps a year has not yet elapsed.

 

PS Don't beat yourself up about the date [2005 2015]. If people were not supposed to make mistakes they wouldn't have put rubbers on the end of pencils.

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LOL as my wife says I am hopeless.

I stopped the min payment on Aug 2016 I was paying an amount less than the min, this continued showing on the credit report as up to 5 months late before it went into default in feb 2016.

 

Since then as I said what happened in the previous post, I have not received any statement from Tesco, when on my Noddle credit report the account shows as open and a default every month, balance fig stays the same, and on clear score it says its closed.

 

But I have looked through the file the last correspondence from Tesco was in Jan 2017


had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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Well that looks as if Tesco have sold the debt to Frederickson.

You are right to ignore them, not speak to them and block all their calls and messages. I suspect that it was Fred's that was bombarding you with texts and phone calls rather than Tesco.

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yes all fredrickson i will keep ignoring them as having read on the site they have no more powers than Harry Potter.

 

but i will keep my eye out should the take it to court


had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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Good. Not sure how long Frederickson's have owned your debt but if more than a year, they cannot take you to Court until they start including the annual statements.

Just in case you don't know they are part of the Lowell Group you've seen them off so this bunch should be easier.

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Ignore freds they only chase dont buy

 

Ofcourse they Lowell can do court regardless of statement s


please don't hit Quote...just type we know what we said earlier..

 

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many thanks for the information i will keep my eye out for more paperwork


had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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I have been through all the letters sent to me from Tesco, and I can’t find an annual statement but, my monthly statements were on line so I assume the statements might be.

 

I cannot get access on line and haven’t been able too since they sent me the default letter, late 2016 then every month I had another default letter and an you are in arrears letter as well.

 

I then sent a letter disputing the amount of the debt in March 2017 because late fees were added. I explained in a letter my problems, but heard nothing from them for 4 months, when a letter from the complaints department upheld their position and the fees stood.

 

The rest of the time I heard nothing till the first call from Fredric, end of Jan this year. I wrote to Tesco to ask who they were, they said they were handing over to Fredric and I should contact them for anything to do with the account.

 

I have had many ,many calls and text from Frederickson’s some different numbers to catch you out and always a recorded message tell me to contact them.

 

The one letter I have from them offers a discount if I pay up and in the box they state Tesco as the client.

 

I block and ignore all calls and text now, I have too or I start going down the depression hole, the entrance is to close for comfort at the moment.

 

Can I just keep ignoring them?

What do you think the next step should be?

I know if I do fall down it will take some time before I will be in a position to handle it.

Edited by dx100uk
Spacing

had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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Then send tesco an sar if you dont have access to the statements

Can you confirm who freds state are their client on their letter and what date it was please


please don't hit Quote...just type we know what we said earlier..

 

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i thought it best to show the only letter i have had

fred 1014.pdf


had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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can you go get your credit file and see whos shown as the owner of this debt.

I have my suspicions its not been sold and freds are merely chasing for Tesco's.

 

and the fact theres a discount smacks Tesco know theres something wrong with the balance. [penalty fees? PPI?]


please don't hit Quote...just type we know what we said earlier..

 

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it shows as Tesco debt on both clearscore and Noodle on clearscore its on the closed section on noodle it shows as default from 2016 to july 2018 each month they show it


had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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Ok so tesco then

You can totally ignore freds or anyone until/unless tesco sell it on and you get a notice of assignment


please don't hit Quote...just type we know what we said earlier..

 

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ive made you a new thread on the MBNA write off in the MBNA forum as its important to publicise it

https://www.consumeractiongroup.co.uk/forum/showthread.php?489428-Hope-when-mental-illness-strikes-MBNA-wrote-off-�13K-Card-Debt&489428-Hope-when-mental-illness-strikes-MBNA-wrote-off-�13K-Card-Debt=&p=5141630#post5141630

 

I've renames this thread to your tesco card so keep posting here about that


please don't hit Quote...just type we know what we said earlier..

 

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ok thanks


had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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