@rbs_mediateam me and a tesco card debt

[dummyneedshelp]

rbs and tesco defaulted me in 2004.

They still give me minor grief occasionally.

I have asked them to write off the debts, but they wont play and still want there £1 a month.

[BRIGADIER2JCS]

Ok I think you need to step back from these fears.

If the Tesco Debt was defaulted in 2004 and you have NOT made any payment or acknowledged the debt in 6 clear years it is statute barred and unenforceable in court!!

 

You must send the following to Tesco Bank to be rid of this for good if you don't then they can keep pestering you.

 

 

To The Compliance Manager

Tesco Bank.

 

 

Ref: Account number xxxxxxxxxxxxxxxxx

 

 

Sir/ Madam,

 

 

I refer to contact made regarding account number xxxxxxxxxx in the name of (your name) please note I do not acknowledge any debt to Tesco.

 

I have reviewed my credit history and have concluded that any alleged debt is statute barred, therefore I will not be making any payment.

 

I am aware of the OFT Guidance on Debt collection and the sections regarding the pursuit of statute barred debt.

 

Tesco will now cease to process all data relating to me and remove it from its records.

 

This is my final response.

 

Send by recorded / signed for delivery.

 

This will mean NO more letters from Tesco!!

[dummyneedshelp]

No they are not stute barred, I have been paying them £5 every month for donkeys years.

I decided this year to try and sort my life out a bit, and try and get rid of these really old debts that were stressing me out.

 

I thought after all these years they might play nice and write them off.

 

They know my circumstances havent changed, i have been on the sick since 2005.

 

Obviously that changed this year when ATOS decided i should go on jobsekers, and the council started charging council tax.

I just couldnt afford to pay them any more.

No one is going to employ me, with my mental and physical problems.

 

But i still have to apply for jobs or they will stop my benefits.

Then i really would be in trouble.

[BRIGADIER2JCS]

There is really no point in us advising if you don't give us ALL the information, it does mean that you wont get advice to suit your situation.!!

 

You need to find out how much you have paid off this debt and what is still outstanding before anyone can advise you properly.

 

DEBT DOES NOT GET WRITTEN OFF, sold off over and over again YES!

[dummyneedshelp]

I am really sorry. what information have i not given. I said in the earlier post. Part of the reason i worry is, RBS and tesco defaulted me in 2004. They still give me minor grief occasionally. I have asked them to write off the debts, but they wont play and still want there £1 a month.I thought it was understood i have been paying them. I an not very good at explaining things sometimes and can only apologise if you feel i have misled you.

[dx100uk]

new thread created for this one

 

are you still paying rbs directly?

 

have you ever sent them a cca request & an sar?

 

might be useful.

 

prob PPI/PENALTY charges to get back I bet

 

dx

[dummyneedshelp]

I think i have always gone through the credit card operations in southend for both tesco and rbs since they defaulted me.

 

Tesco sent me a letter in 2012 with a new account number to pay to, and a new address in glasgow.

I have for many years, paid them through my bank by manual monthly payments which i did online.

 

Tesco have normally sent me monthly statements.

Rbs started sending me monthly statements again this year, for the first time in several years.

 

The last statement i can find previously from them was in 2008.

Maybe i binned them, but i doubt it as i have plenty of letters from both of them dating back to 2004 including the defaults.

 

Rbs did send a stupid letter to my address in 2008 asking if i still lived there.

I was paying them every month, so dont know why they did that.

 

Brunel franklin did a credit agreement assessment and ppi in 2009 for rbs.

 

Though they never sent me a copy of the original agreement with the pile of paperwork.

 

Just a letter saying, it has been found your potential case does not meet all the strict criteria to enable us to continue with your claim.

 

Then asked for £300 to go for unfair charges and ppi which i declined.

 

Rbs sent me a letter in 2009 saying i never took out ppi on the card.

 

I have never myself sent them a cca request or SAR.

[dx100uk]

then I would do as post 6

 

you need the info.

 

dx

[dummyneedshelp]

ok thanks i will send a SAR to both of them this week. Do i need to send a cca or will the SAR include it

[dx100uk]

sorry is not the Tesco card and rbs the same debt?

 

dx