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Tesco Visa no CCA £9K written off!


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I wrote to Tesco Visa on the 12th February 2007 and requested the credit agreement in accordance with the Consumer Credit Act 1974.

 

They replied on the 3rd April 2007, first letter back, nothing in between.

 

"As I am unable to provide you with a copy agreement at the date the card agreement was made and a copy of the current terms of the card agreement, as an exceptional matter and in line with the Consumer Credit Act requirements, the current balance of £9K has been discharged and is no longer obligatory."

 

Signed by Senior CRA Officer

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fantastic news !!!!!!

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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[email protected]@dy hell!!

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Dont suppose he will be getting any clubcard vouchers in May then ?:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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That's excellent news.

 

One question though, is this write off following a default on the balance outstanding as well as penalty charges following closure of the credit card ?

 

If so, this may set a precedent for any debt where the original signed agreement cannot be provided ( or am I just being thick here ? ).

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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That's amazing --- well done!!!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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The account had (has) been defaulted and I am set up with Payplan to clear my debts to this and others.

 

In fairness to them, they have never involved a DCA, have not hassled me with phone calls and they froze interest as soon as I told them I was talking to Payplan. So of all my creditors they easily been the best to deal with. Even to the point of holding up there hand and saying we have no agreement (not here is any old application with a signature). Like I said one letter requesting CCA and then they write back as my first post above.

 

What I found most interesting was "in line with the Consumer Credit Act requirements, the current balance of £9K has been discharged and is no longer obligatory."

 

Payplan emailed me back yesterday and said they will contact RBOS to confirm they have zero balance.

 

I have written to Tesco to say no agreement therefore no Data protection therefore remove all Credit Reference Agency info.

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Hi

 

Congratulations - what a result!!

 

That letter should be laminated and stored with your most prized possessions - it's worth 9K! :D

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Wow thats great stuff! I wish all my debts were with Tesco! :D

 

On a similar note I found it rather interesting:

 

Beating Banks With Bad Credit Agreements? - 30/03/2007

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hi

 

Congratulations - what a result!!

 

That letter should be laminated and stored with your most prized possessions - it's worth 9K! :D

 

Regards, Pam

 

 

Good LORD!! Well done you! That's great news.....

 

I have a v. old Tesco card.....CCA here we come!

 

How old was this account?

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Wow thats great stuff! I wish all my debts were with Tesco! :D

 

On a similar note I found it rather interesting:

 

Beating Banks With Bad Credit Agreements? - 30/03/2007

 

Davey! I can see you use Motley Fool too, a v. useful site!!

 

Will be over to your thread shortly.....

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Well done mate, that was an excellent result... clearly puts my £6k in the shade...

 

I decided not to pursue charges etc after Tam advised me to cut and run.

Like Pam? said you should frame the letter, I have mine :D

 

Z

[sIGPIC][/sIGPIC]

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Hello srmjmm10,

 

 

Absolutely brilliant stuff! Have yourself a very big drink!

 

Hopefully there is a lesson to learn for all the other banks and DCA's on being upfront and honest!

 

On second thought...........!

 

 

Jeff.

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From the SAR information I received it says the account was opened Oct 1999.

 

 

Really? Well after mine then! How interesting!

 

Well done, really, it is nice to see the banks lose for a change and I say that with not an ounce of malice!;-)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Have now started researching the question of "restitution".

 

As they have no agreement could I claim back everything paid?

 

At the very least are they entitled to profit can I reclaim the interest?

 

It appears a few people have looked at this but can not find anyone who has been successful so far.

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Davey! I can see you use Motley Fool too, a v. useful site!!

 

Will be over to your thread shortly.....

 

I'm a 'Fool' too! :D

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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That's excellent news.

 

One question though, is this write off following a default on the balance outstanding as well as penalty charges following closure of the credit card ?

 

If so, this may set a precedent for any debt where the original signed agreement cannot be provided ( or am I just being thick here ? ).

 

The rules already provide for this under the consumer credit act 1974.

The 2006 ammendments however give judges the discretion to enforce it.(as of April 1)2007

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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