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Tesco Credit Card now Intrum UK Ltd


banksdomyheadin
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Hi All,

Got defaulted on a Tesco CC many years ago.

Have been paying them £5 a month for around 11 years, still owe £6K.

Had Intrum take over this year calling me all the time.

 

kept paying Tesco but in February this year sent Intrum a request for my original CCA, letter attached.

 

Received a reply back from them on October 3rd, see attached.

Just want advice on how to reply to them as they have just sent me a completely new set of Tesco T & C's, telling me I had 2 weeks to respond or accept these?

 

Intrum reply.pdf

 

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What date did you enter into the agreement ?

 

Andy

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removed the CCA template as it was docx and we can see all your pers details under properties

we dont need to see our templates anyway 

we know what they look like.

 

have they sent the signed agreement

if not ignore them.

 

shame you've been blindly paying this for 11yrs.

all you've done is run the statute barred date to infinity.

 

dx

 

 

 

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... 

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Sorry about that dx100uk, I didn't realise.

 

Andyorch - I cannot remember or have a copy of the £5 a month repayment agreement.

 

I have just gone through letters and found the default notice from 2007.

 

I have had a series of letters over the last 3 years saying I needed to fill in an I & E form as £5 is not enough and they will CCJ me if I don't.

I have complained -I have had apologies.

 

The default or any other records have not been on any of my credit files for the last 3 years at least.

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Quote

Andyorch - I cannot remember or have a copy of the £5 a month repayment agreement.

 

:???:  What date did you take out the credit agreement..pre or post April 2007...if you defaulted in 2007 I assume pre April 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 OTHERS

 

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

 

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Thanks well retain that letter safe were they admit the original is no longer available.....if they ever attempt litigation they will require the original to enforce the agreement ...the above will suffice for the purposes of section 78 request...but not for enforcement.

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

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  • 3 weeks later...

Hi All,

I have had three letters since saying get in touch,

 

fourth letter arrived today saying.....

We may take legal action if you don't get in touch.

 

We'd really like to help you pay back the money you owe us.

But if we don't hear from you,

we can't help you.

 

And we may take legal action that could affect your credit score.

 

I thought if an account, whether sold on or not once defaulted cannot be defaulted again.

I thought also they cannot put adverse information on my credit file as this has all past six years?

I am stupidly still paying £5 a month but they want and I & E filling in.

What do I do next ?

 

Just ignore them?

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why are you blindly still paying them?

 

no nothing can return on your CRA file ever.

 

dx

 

 

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... 

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I thought I had to keep paying the £5 a month after the default.

I know Tesco have now sold the debt to these Parasites

but what next

 

do I just ignore everything they send,

do I stop the £5 a month to Tesco,

what can happen if anything legally?

 

I have a few like this all years old, all defaulted years ago, no longer on our credit files...?

 

The only one that ever went to Court was my LLoyds TSB CC, which the Judge agreed we pay £41 a month.

The rest have never gone to court but all defaulted.

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if the CCA has been deemed un-en or they say they dont have it....you stop paying defaulted or not.

 

only if you ever get a letter of claim or a claimform should you ever bother with this debt ever again .

 

as for the others

start some threads.

 

ever sent them a CCA request.

defaulted or not has no relevance on any legal remit that you must pay a debt

its the CCA that's the important doc...no CCA = NO PAY.

 

dx

 

 

 

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... 

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  • 3 weeks later...

They can try...but they will need to disclose the agreement once you set a side their SD.....anyway they are only " thinking " not actually stating they will.....deperate for you to contact them.

 

Andy

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

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  • 2 months later...

Hi All,

I have been receiving letters off Intrum every two weeks threatening me with Bankruptcy but nothing official yet.

 

Today I viewed my CreditKarma account and note they have made a hard search here on January 29th,

how are they allowed to do that ?

Is it allowed?

Do they see everything I see?

What will they use this for please?

 

It states in the hard search, debt collection and Intrum Uk Limited (Sr, Tac,Ct,Tsc)

Edited by banksdomyheadin
spelling error
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yes

 

They see only the summary line of any account(s) there, They can only see everything on the accounts they own if they still show

 

not a lot, probably trying to see if there any large balance in any account be them credit or debit. however as they hold no agreement stuff and all they can do without finding one.

 

 

 

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... 

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Share on other sites

thank you,

the Tesco debt went off my credit files years and years ago, does that affect my credit rating?

 

Also sorry to be a pain, what do you think their next move will be, will they head for the bankruptcy route.

If so my defence will be no signed CCA agreement or evidence with Tesco anyway?

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if it doesn't show it can't effect your file.

 

they won't do anything without enforceable paperwork...

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... 

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Share on other sites

yet another begging letter.

please give us something before we have to discontinue the claim...……..

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... 

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Share on other sites

approx 5-15p=£1

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... 

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  • 1 year later...

open

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... 

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Thanks again for re-opening.

 

I slipped up years ago with this Tesco credit card. I have continued to send £5 a month to Tesco even when Intrum took over 2 years ago, I have continued the £5 a month to Tesco. I have never sent anything to Intrum despite their requests.

 

Have received this letter now though stating they have cancelled my payment plan with them (never had one set up with Intrum) and I need to get in touch.

 

Please see previous letter as well from 2 years ago where they state they do not have a copy of my CCA. intrumoffer.pdf

am I best doing here now is the advice I am looking for please?

Intrum reply.pdf

new intrum 210721.pdf

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