Jump to content


Angel Steele

Intrum UK Finance - tesco credit card

Recommended Posts

Morning all

 

I unfortunately defaulted on a Tesco Credit Card in 2011. I continued to pay Tesco a small amount each month and the Default came off my Credit Report after the six year period in 2017.

 

Yesterday I received a letter from Tesco advising they had sold the debt to Intrum Finance. Oddly enough it was in the same envelope as the letter from Intrum advising they now had ownership of the debt and in one paragraph they said "the Credit Reference Agencies will soon update their records to say you owe money to us, not Tesco Personal Finance".

 

As it is over six years since the Default with Tesco does the fact that they have bought the debt now mean there will be a further Default on my Credit Report lodged by them?

Share this post


Link to post
Share on other sites

No it should not appear on your CRA,the 6 year period is up.However keep a close eye on your CRA Intrum would not be the first to try and register a new default.

For info LINK try this quite often

FS

Share this post


Link to post
Share on other sites

If they did try to register it as a new Default how would I go about getting the Default removed? It is somewhat worrying that this is even possible.

Share this post


Link to post
Share on other sites

you would query it , should be a button to dispute on the entry, they probably just sent standard template one fit all type, so just keep an eye on entries probably not see it from now on, how are you going to deal with the DCA?

 

Both same envelope is standard procedure these days and accepted thru authorisation between companies so no argument there


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

Send them a cca request now the debt has been sold


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

Share this post


Link to post
Share on other sites

Thanks for replies so far. Letter from Tesco says they have assigned it to Intrum.

 

I have been paying Tesco a small amount each month so will continue to pay Intrum the same. Their letter was more advisory than anything else. It gave their bank account details - I usually paid Tesco by electronic transfer each month.

 

Why would I need to send a CCA Request - to see if they have bought the debt or are just acting on behalf of Tesco you mean?

Share this post


Link to post
Share on other sites

Its sold

You have a notice of assignment

Cca them


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

Share this post


Link to post
Share on other sites

I am sure you have covered this,did you have PPI with the account.

CCA will throw up any ???? with the account, for example have they all the correct documentation for starters.Opinions vary on this but I would send the CCA request to Intrum,they will probably reply they will have to go back to Tesco,they have a time limitation to reply often referred to as 12+2 days to reply

 

FS

Share this post


Link to post
Share on other sites

When did you take out the card, that might have a bearing on how you deal with this if it was before 2007.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Share this post


Link to post
Share on other sites

Hope its ok to jump in here. I have had the same letter. Checked my noddle and saw that Intrum had done a search.

 

My card was taken out between 1999-2001 i think. It was defaulted in 2004.

 

Brassnecked, whats the difference if it was taken out before 2007 ?.

Share this post


Link to post
Share on other sites

please start a new thread

this one is for advising AS


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

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...