Jump to content


  • Tweets

  • Posts

    • There you go then. Why don't you gamble on a turbo from a scrappy or ebay? I got lucky once with an ecu that lasted the life of the car and only cost me £80.
    • With Debt and court cases. Its who blinks first who loses a lot of the time. It is a judge lottery and it is also a pain in the backside.  Lowell temp fate with the debts they buy all the time. There isnt really much you can do apart from follow the processes. Think about it - If you hadnt of come here then you woudlnt have learnt what you know now.    They have to work for their money on the off chance they MAY win... Ive seen weird decisions in court - When all the odds when in the Creditors favour - They still either pulled out or even lost the case... Faulty DN, Missing Docs... The list goes on. 
    • I stated they might loose, a chance they may take , if they do then they loose fees etc, every case is different = there are no wills/wont"s,   many a case they loose or pull out of at the last minute before they loose their fees etc  there is no guarantee in any case,  by the way A Tomlin Order can be arranged up to the last minute if they have not discontinued the case (they tend to leave last minute for you to collapse and they get their holiday or xmas party fund = (The debt purchasers dirty trade, read threads you are not alone, and you may see others stories where they have beaten them/
    • I think they'll do anything to hold their party together.  That's the reason Cameron gave in to a referendum in the first place.  This whole sorry shambles is the result of the Tory party looking inwards and not giving a damn about the country.
    • Morning all,    Have finally received my DQ from the court, dated ages ago but have been working away awhile.    Anyway, I've only got a paper copy, but if I've still not received a copy of the agreement/contract from Lowells' proving any terms that they're claiming I'm bound to. Should I still tick yes to mediation, knowing full well that it won't succeed without this being seen in good time to prepare an argument beyond the obvious?    Thanks in advance - I'll fill it in as indicated on the rest of the site, but am just aware that it's a waste of the courts/mediators time...   Thanks   A
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
Kipse

Intrum UK Finance and Tesco Credit Card

Recommended Posts

Hi All

 

  • Tesco Credit Card taken out in 2004 and got into difficulties 2007/08
  • Been gradually repaying debt since then
  • Last 4 years been paying £50/month
  • Current balance circa £2,500
  • Went through I&E with Tesco in January and agreed £50/month for next 12 months
  • Tesco letter and Intrum letter came together in one envelope from Intrum last week
  • Per Noddle, Intrum have done a search

Tesco letter says: "If you have an active repayment plan in place, and your circumstances haven't changed, you can continue to pay off your balance as you are now, but paying Intrum UK Finance Limited instead of us. You will need to take action and update you payment details to redirect your payments to Intrum UK Finance Limited."

 

Intrum letter says: "We understand that you've already agreed a repayment plan with Tesco Personal Finance Plc. We want you to continue this agreement with us so we ask you contact us in the next 30 days to make arrangements to do this. If it's affordable we're happy to accept the same arrangement you had with Tesco Personal Finance Plc."

 

What propose doing is pay £50/month to Intrum for next 4 years until debt is paid off.

What I don't propose doing is communicate with Intrum.

Question - can Intrum force me to go through I&E or any other form of communication with them?

 

I'd appreciate any advice on how I should proceed.

Share this post


Link to post
Share on other sites

so they've flogged the debt onto intrum [ 1st credit]

 

might bean idea to send intrum a CCA request.

 

have you all the statements?


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

Question.......you HAVE reclaimed all fees and charges from Tesco yes?

 

Intrum can be ignored, and paying £50 a month on a non priority debt, whilst admirable, isn't neccessary, £1 a month is all I'd be paying, especially as this account seems to be doing the rounds and evry tom dick and harry is having their pound of flesh out of you!


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?

 

 

 

Share this post


Link to post
Share on other sites

I don't have all the statements. I have most of them from 2010 but only a few before that. I'll send a CCA request.

Tesco stopped charging interest when the account terminated in 2008. I never had PPI or anything like that on the account.

Share this post


Link to post
Share on other sites

sar tescos


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

As expected, continual harassment from Intrum with phone messages left virtually every day. After their first letter "We may take legal action if you don't get in touch", their second letter says the following:

 

We're thinking of taking you to court

We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a County Court Judgment, which could make it harder for you to borrow money in the future. They may also add court fees of £105.00 and solicitors costs of £80.00 to your balance.

 

It doesn't need to come to that

70% of customers in your position pay us without going to court. Get in touch within 10 days to repay the full amount, or set up regular payments you can afford.

 

Get in touch in the next 10 days

Get in touch to pay in full or set up regular payments you can afford. You can either:

  • Log on to myaccount.intrum.co.uk to do it online
  • Call us on 01737 235244 to talk through your options

etc

 

I intend to write to them to state that I set up a repayment plan with Tesco in December 2014 and have been making regular repayments ever since and that Intrum have taken account of the 2 payments I've made to them (since the stated balance has reduced by those payments).  Therefore I have already set up regular payments.  I will also request that they cease their phone calls and threatening letters.

 

My question is, are Intrum actually able to apply for a County Court Judgment when regular payments under an existing arrangement continue to be made?

 

 

 

Share this post


Link to post
Share on other sites

If they did it would be rather embarrassing given that your making payments.


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 OTHERS

 

 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

Share this post


Link to post
Share on other sites

so they've complied with your CCA request then?

if not and its gone passed 12+2 working days...why are you paying them at all??


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
Please fill in your quit date here

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...