Tesco/RBS/Shoosmiths response to a CCA request

[Gator]

Hi 

 

have been asked to create a new thread by DX100uk for this old Tesco debt 

The original thread for reference is:  Best actions on old debts - help please

Details from my original thread are below:

Plus as requested both Tesco's and Shoosmiths CCA response documents are also uploaded for DX100uk to hopefully check?

 

Thanks as always for you help!

Best regards

Gator

 

Tesco/ RBS (Loan) £2,140

Was forwarded onto Shoosmiths Solicitors for administration

Not showing on my credit reports (am actively looking through old paperwork for a default notice)

 

NEW Update: 30th July 2019

Both Tesco’s dated 28/6/19 and Shoosmiths 15/7/19 has now replied with a copy of the original signed Credit Agreement CCA 1974.

With a request from Shoosmiths asking that I contact them and discuss how to arrange to pay what is owed?

The Tesco and Shoosmiths documents sent can be uploaded if required.

Help appreciated on what action, I should take? make a new thread scan up the CCA return to one PDF file read upload

Tesco_CCA_response_docs.pdf

[dx100uk]

had to remove the shoos upload ref No on page 2

 

seems all ok to me bar the lack of a complete set of T&C's but that's no big deal for the OC to provide

 

IMHO i'd resume your £5PCM payment directly to Tesco's now using your banks interweb banking portal 

or even up it some? as you've just about wiped out 90% of your historic debts now?

[Gator]

Hi DX100uk

 

Thanks for your quick reply

And apologies for me leaving a reference number on the Shoosmiths pdf upload, my fault, should have noticed!

As per resuming a payment to Tesco’s will look to arrange shortly…

 

. Just a few questions please:

 

You advised doing this directly with Tesco’s, but as Shoosmiths are the administrators that Tesco’s have assigned, should I not contact them instead?

And especially as Shoosmiths had been the last agency I had being paying £5pcm to through StepChange (DMP), prior to my cancellation of  the account with SC, as of June '19?

 

Also if I am contacting either Tesco’s or Shoosmiths, would you consider it and if it’s financially possible for me, a good idea that I propose a reduced full and final payment offer, to close the account once and for all?

Possibly thinking an offer somewhere between say 20-45% of the owed amount?

 

All help with a way forward is greatly appreciated

Best regards
Gator

[dx100uk]

where a debt is still owned by the original creditor you always cutout and ignore powerless middle men

they really have zero powers.

 

as fore F&F

no harm in trying.

relate to the years you've been paying £5PCM and that this is a one time offer .

 

dx

 

[Gator]

Hi 

 

thanks  and understood

 

Will contact Tesco and see what response I get and update on my progress!

 

Best regards

 

Gator

 

 

 

[Gator]

Update on Tesco debt progress....

 

Hi

 

I sent a F&F offer of approximately 25% to Tesco on the 3rd Aug '19 and still have not had any reply  back from them as yet.

No contact was taken with Shoosmiths solicitors as advised, and  have had no response as yet from them also.

 

What, if anything should I do?

Plus should I now open a new thread for this debt?

 

All help appreciated as always

Best regards

 

Gator

 

 

[dx100uk]

let it run.

 

dx

 

[Gator]

Hi

once again!

 

Thanks will do as advised and let it run

 

keep you updated!

 

Best regards

[Gator]

NEW Update re Tesco debt

 

Hi I have recently had a letter dated the 28^th January from Shoosmiths Solicitor’s and in the document attached, it stated the following:

“We kindly advise that it is our client's instruction to reach a formal arrangement for the repayment of the outstanding balance. Our client has confirmed that it is willing to consider an offer of repayment in accordance with your circumstances.”

“Accordingly, to enable our client to review your proposals for repayment, we require the completion of an Income and Expenditure form, within the next 14 days.”

I had as previously mentioned in the earlier post #6 that I sent a F&F offer to pay 25% of debt to the Tesco Bank (Personal Finance), who are the owners of the debt, not Shoosmiths who state that Tesco’s is their client.

Unfortunately Tesco’s have not yet replied at all to my offer on the 3^rd Aug 2019 of me paying them 25% of  the debt amount as a F&F settlement and so am asking, what is the best action for me to take?

 

1/           Not respond at all to Shoosmiths, as per advice earlier, as they are not the owners of the debt! And I also believe that they have not spoken to Tesco at all, so they don’t know of my F&F offer and this letter is just an attempt to get me to start paying a payment of say £5 etc, as was the case when I was previously with Stepchange?
(I think I already know your answers is no to me giving them any response, as your previous advice mentioned, due to them having no powers)

2/           Maybe Contact Tesco to offer them once again the 25% amount of debt, as a F&F payment?

 

3/           Or maybe something else?

 

Hopefully I can be given some advice, re what is best to do
Thanks
regards
Gator

ShoosmithsLtr.pdf

[dx100uk]

safe to ignore

 

dx

 

[Gator]

Thank you! Appreciated

 

And will keep you posted, re any response from Tesco's to my F&F offer

 

regards

Gator