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Loan was with the AA.

 

It was taken out in 2005 I think. Without checking I'm not 100% sure.

 

Unsure about PPI but I have sent them a SAR to check.

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On a separate debt I have this morning received a letter from Intrum who Tesco assigned my outstanding debt to last month.   

They have phoned me once to which I told them not to contact me by phone again.   

 

Letter threatening legal action dated 14.03.19

today one saying they were "thinking of taking me to court" applying for a CCJ.  Ahem.

 

Tesco assigned this to them so they are legal owners.   

What to do now?   

 

I was paying Tesco a nominal £1 a month.   

Should I set up the same with this company?   

 

The debt they say is for £2812.34 but of course they've not paid that amount to Tesco.   

Any advice would be very welcome. 

Thanks!

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Same thing youve done with the others. Totally ignore until a PaP letter comes through the door. Then you send off the CCA request IF its a legit debt and isnt SB


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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The CCA request goes to the assignee IE Intrum..they are now the legal owners of the debt..not Tesco....pointless sending a CCA request to Tesco now.


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Dont waste money

cca cabot 1st class stamp

if you must sar the OC


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hehe just as bad as 1st credit..opps


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

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1 hour ago, Andyorch said:

The CCA request goes to the assignee IE Intrum..they are now the legal owners of the debt..not Tesco....pointless sending a CCA request to Tesco now.

Fine then they will consult with the oc. It is just a petty technicality.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Thank you guys for your replies.  Much appreciated.

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the owner must hold and provide it.

else no dice batman.

 

 


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

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Posted (edited)
8 hours ago, dx100uk said:

the owner must hold and provide it.

else no dice batman.

 

 

If your talking about the original agreement, then I am afraid you are incorrect.

Carey was quite clear in that the original executed agreement is not necessary in order to fulfil the requirements of section 180 of the act.(proction of copy agreements). One can be reconstructed using materials and information available, as long as it is accurate.

Edited by Dodgeball
spell

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Following Tesco assigning my debt to Intrum I have had letters from Intrum asking me to get in touch,

then saying they were thinking of taking me to court,

then an offer of a reduced settlement figure

 

yesterday at letter saying they are getting ready to send my account to their solicitors who may apply for a CCJ. 

 I have been told to ignore their letters by those who have replied on here but I cannot ignore this can I?   

 

Do I CCA them and if so what will it provide?   

That Tesco still own the debt? 

In which case why has it been assigned to Intrum?

 

Tesco have assigned to them,

I have the letter,

so any advice would be welcome as I certainly do not want to go down this route.   

 

 

 

 

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I have made this intrum Tesco AA loan its own thread.

 

id await and see if they do issue a PAP letter

then a CCA request will be part of your reply.

 

dx

 


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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

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Thanks - I did wonder if it needed a new thread.

 

So wait then.   I don't understand though how people are told on here not to pay debt collectors as they have no legal powers - yet they can seemingly apply for a CCJ?

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they don't have any legal powers

exactly the same as we don't.

 

all we can do is issue a court claim if we feel someone owes us money

that's all a DCA can do.


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Well a month has passed and I have had two letters from Intrum advising that if they don't hear back from me by two weeks ago they may pass to their legal team for a CCJ application.  The letter came from their legal team so not sure what they are doing.

 

I have not contacted them and have waited each day for the PAP letter to come but so far nothing.

 

I have had a card put through the door from DX Secure saying they have something that requires my signature.  I've asked who it is from and have been told "Crawfords".   I am none the wise so am wondering if anyone here is familiar with this company?     

 

Would a DCA sending out a PAP letter send it by signed for mail via a courier?

 

 

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No.....it would be sent normal post.

 

Didn't they threaten in their previous letter of April to pass it over to their " Legal Dept " ?

 

And now again another further 2 weeks which they " may " pass it over.

 

As for Crawfords the only thing I can find is Loss adjusters in insurance threads.

 

https://www.consumeractiongroup.co.uk/search/?q=Crawfords

 

Andy


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Thank you Andyorch for your reply.

 

Yes a lot of threatening going on lol!   

 

The sent one saying if I didn't contact them by such and such date they would pass to their "Legal Team".   

I didn't contact them

 

then received a letter from their legal team saying if I didn't contact them by 6 May they may pass to their solicitors which I thought odd as I would have thought the legal team were solicitors.

 

Nothing further since then. 

Every day when the post comes I am expecting something but so far nothing which is why I am wondering what said envelope needing signing for from Crawfords is about.   

I Googled them but couldn't see they were solicitors. 

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I have received a letter from Intrum dated 21 May advising

they have transferred my account to solicitors Judge & Priestly LLP. 

 

 Also have received a letter with PAP from Judge and Priestly. 

The PAP is the same format as I've seen here on CAG.   

 

 Do I fill in the relevant sections and return to the solicitors and send a CCA to Intrums?   

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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

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It's exactly the same form as they've sent.   They also sent an income and expenditure form which I'm not going to fill in.

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I've added an annexure on a separate sheet about why I am disputing the debt.  It's brief but concise.    They don't want War and Peace do they.

 

 

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don't give them too many clues...

its for them to workout ..


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

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Morning :)      Here I am again reporting I've had a response from Intrum saying

 

"As we are the creditor of the assigned debt, we may not be in possession and/or control of all the documentation/information you have requested, and may have to revert to the original to obtain the same.

 

Once we are in receipt of the relevant documentation we will respond to you and provide you with a further 30 days to either seek independent legal advice or contact to arrange settlement of the outstanding monies due and owing"

 

What now?   I really don't get this at all.

 

 

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