Jump to content


  • Tweets

  • Posts

    • Hello All   Update   As per post #83, I had mentioned that for some unusual  reason, there had been two deadlines from the court for responding, namely the 18th of January 2021 and 1st of Feb 2021.   With everyones great help I filed in the response by the18th of Jan 2021. I think I was bit concerned that the claimant, Mike Ashley may use the second deadline as a chance to add a supplementary statement in response to my defence.    Well, Mike Ashely has in fact does exactly this. He has responded and filed a supplementary witness statement and has responded to all the defence points. He has addressed most the issues I had raised in my defence.     His Supplementary WS is dated 30 January 2021 and his solicitors emailed it to me on the 17th of February 2021.   Not sure what to do, but he seems to have amended everything which i could have used as a loophole leaving me with the thought of , should we have waited till the 2nd deadline ie 1ist Feb2021 and submitted the defence rather than the 18th January 2021. this would have deprived him of the chance to response with a supplementary WS. Thats what really had a worried me and I raised it a few times on this platform.     Not sure now because he has kind of amended a few things, removed the incorrect exhibit ( where the signages had belonged to a different site, and called it a clerical error).   Will post his redacted supplementary WS later as at work now.   Thanks all
    • An eye-opening new report from the payment processor Worldpay found so-called 'mobile wallet' payments were used for just under a third of all online transactions in 2020. View the full article
    • Adding to all the other difficulties (address for service, proving an agreement, obtaining enforcement even if you succeeded) that have been raised: Has the obligation to repay yet arisen?   You say the agreement was repayment once the divorce settlement occurred, but then point out settlement has yet to occur!.
    • The Chancellor should use next week's Budget to simplify the Isa system and scrap the trend of having one for 'almost every day of the week', savings industry experts have said. View the full article
    • Work from home is "an aberration" that will be corrected as soon as possible says Goldman Sachs chief. View the full article
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Intrum UK Finance and Tesco Credit Card


Please note that this topic has not had any new posts for the last 690 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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!

 

 

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.

Link to post
Share on other sites

sar tescos

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • 1 month later...

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?

 

 

 

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 The National Consumer Service

 

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

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...