Tesco/Intrum

[CathW]

Good morning fellow Caggers,

 

It has been a while since I have been on this site. Both my husband & I have a Tesco debit card which we are paying a small amount of monthly as agreed by Tesco.

 

We have been doing this for a number of years and then out of the blue we have both received a letter from Intrum UK Finance Ltd (Reigate) saying that they are now the legal owners of the debts and that we have to pay them from now on (the letter has a photo copy signature by Gavin Flynn Operations Director).

 

With the letter was a photo copy headed letter from Tesco Bank Recoveries saying that if we have a repayment plan in place then we can continue to pay but we now have to pay Intrum Uk Finance Ltd (this letter is unsigned).

 

Am I right in thinking that we ignore Intrum and continue to pay Tesco directly.

 

Thank you

[AndyOrch]

Is it a Notice of Assignment...as the debt been sold to Intrum Uk Finance Ltd ?

 

 

Andy

 

Thread moved to the appropriate forum...please continue to post here to your thread.

[CathW]

Thank you Andy for the reply and no it is not a Notice of Assignment just a normal letter and on the back of the letter is a direct debit mandate and if we filled it in then the payments would go to Intrum UK Limited.

 

Cath W

[AndyOrch]

Could you possibly scan the letter and redact and upload...sounds like a veiled attempt of NOA

[cruzhughes]

Girlfriend had one of these too. She Sent a CCA to intrum. Maybe you should do the same?

[AndyOrch]

Cath click this > Upload

[CathW]

Hi,
I have a Tesco card that I am paying off £1-50 per month by standing order to Tesco Classic which I have been paying since 22 Feb 2011.

 

Last year I received  letter from Intrum saying they are now the legal owners of the debt with a copy o a letter from Tesco (not signed) attached saying that they have transferred the debt to Intrum UK Finance Limited and I should now be paying them. I have not paid them anything and I am still paying Tesco.

 

I received a letter from Intrum dated 8 January 2020 saying Broken Repayment Plan with the reference number, Date Purchased, Account number and Balance.

 

Letter  dated 15 January with a Periodic Statement which list the date of the payments, description Payment to Client (Purchase) and then the credit of the payments

 

Letter dated 29 January Introducing our Legal Team (Lily Chan) saying that the collection team have passed it to the legal department as I haven't agreed a way to pay the money to them.

 

We are now in charge of getting a County Court Judgment issued to me to demand I pay the money back.

Get in touch within 10 days or we we'll (there word not mine) pass your account to our solicitors. 

They'll (again there word not mine) write to me explaining what I owe and giving me a last chance to pay. If I don't pay they may apply for a CCJ. The Court can demand that I also pay the solicitors costs and court fees, which they will add to the balance that I owe the.

It is not to late to pay them back, just call by 08/02/2020 we promise to listen and try to work out a payment plan I can afford.

My question is, can they apply for a CCJ as I am still paying Tesco £1-50 per month and have never missed a payment.
Thank you CathW

 

 

 

[dx100uk]

Yes

 

Send them a cca request?

 

Is this a letter of claim?

[BankFodder]

I have to say that if you had an instalment agreement with Tesco to pay £1.50 per month and you have kept your side of the agreement completely – then even though Tesco have sold the account to someone else, they will not be able to dislodge the agreement that you had with Tesco's. In other words my view is that any debt they sell to Tesco's comes encumbered with any agreement that Tesco's made before they sold it.

However you should certainly follow the advice above to send them a CCA request

[BankFodder]

Sorry, I may have misunderstood – they wcan't oblige you to pay more than £1.50 – but you may well have to pay to the assignees of the debt.

However, it scarcely believable that they would sue you simply to force you to pay them £1.50 per month.

[CathW]

Thank you dx100uk and BankFodder,

 

the reply to Dx100uk, yes I will send them a cca  and it is just a letter at the moment saying that if I don't reply to them and offer a payment to them, then they might issue a ccj against me

 

and the reply to BankFodder is that I will send a cca to Intrum and see what they come up with as in my opinion I have never signed anything saying that I owe Intrum any money, they have just paid the debt for me and I am continuing to pay Tesco directly 
Regards Burrowes 29 (ex CathW)