Tesco Bank - Credit Card Late & Over Limit Charges

[dx100uk]

so the bal is all charges..wow.

totally unenforceable, but ofcourse she wouldn't see the money

they'll just remove it from the balance

 

is the card defaulted on her file?

 

[dx100uk]

well regardless ......the balance is all charges so..

not sure where the template has gone.

 

 

 

[dx100uk]

 

[dx100uk]

attach your spreadsheet here 1st

[dx100uk]

dont use resolver its useless

 

stick to the tried and test methods that give you a legally traceable papertrail.

 

i'm not sure where you ever got the idea that ringing them anyway would ever provide a resolution..

 

send everything in his name.

you don't need to be his appointed representative.

they have no idea he is not instigating this as long as he signs things.

 

 

[dx100uk]

the penalties are still unlawful though. and those are now the remaining balance

 

a credit or debit card with £1 or more on it on any petrol pump will allow more than that £1 to be spent .

 

 

[dx100uk]

should be no 

thsts interesting.

 

if the limit balance was not there the transaction should not go thru.

 

dx

 

[dx100uk]

the fca did not ever say that £12 was an acceptable level for any penalty charge.

something being in T&C's does not make it legally enforceable , just like PPI and the previous round of bank charges reclaiming in the 2000's that created CAG.

 

 

 

[dx100uk]

the fos rarely side with consumers upon charges reclaiming.

 

dx

[dx100uk]

why?

 

dx

[dx100uk]

so what if they don't agree?

 

can't see why you are recommending paying a debt solely made of penalty charges??

the OC won't ever goto court, they never do...

 

they'll default the debt (if it's not already subject to a defaulted date noted on  her credit file?) and sell it on as a lemon debt to a debt buying DCA

and when that happens there still exists a serious dispute ...

 

and a dca would be really stupid to goto court re the above.

9/10 they drop these debts like a hot coal.

[dx100uk]

SAR them anyway.

 

just remember - it's a toxic debt made solely of unlawful penalty charges so she shouldn't pay anything anyway...

 

about time you told her to STOP using the phone.

writing ONLY put the phone down.

 

dx

 

 

[dx100uk]

 

dont worry about it.

 

dx

[dx100uk]

yep did warn of this before.

 

let it run

they'll sell it on.