It's a bit picky of them but the scare stories about providing a signature are overdone. Just sign and return. Don't pay anything. See what comes back.
I would expect Tesco to come up with the goods, though. Are you looking for a settlement deal?
i am yes .. thought it was worth an ask on the off chance it wasn't available
It's your right under the Consumer Credit Act - always worth doing before negotiations.
I have made an amendment of the ND to send to the DCAs who haven't provided a CCA:
Dear Sir/Madam
Account No: XXX
I am writing about the money which you are
claiming on the above account following your letter on 26th March. I
have been advised to stop repayments as you are unable to provide a
valid credit agreement.
However, I would like to offer a full and
final settlement offer of 5% as a gesture of good will. A family member
has made a one time offer to gift me the money to pay off the debt once
and for all.
I want to offer this as a full and final
settlement of the account. I am making this offer on the clear
understanding that, if you accept it, neither you nor any associate
company will take any other action to collect or enforce this debt in
any way and that I will be released from any liability.
If you accept this offer, please confirm
that you will mark my credit reference agency file to show that the
above account has been paid and closed.
I can pay the amount I have offered within
2 days of receiving your written agreement of this offer. This offer is
valid for 10 working days.
Please give me details of how I can pay.
I look forward to hearing from you.
Yours faithfully
What do you think? Anything missing? I'm not sure if "If
you accept this offer, please confirm that you will mark my credit
reference agency file to show that the above account has been paid and
closed." is necessary as she has already defaulted.
I got the following bullet points to add to the letter from the internet, does anyone have any thoughts on this? is it a good idea to include or will it hinder the negotiations?
To confirm, I am offering XXX to settle so long as you can
agree to, and ensure that, the following actions will be carried out;
* The Status of the account will change from “Defaulted” to
“Settled”
* The Current Balance will appear as £0.00
* The Default / Delinquent Balance will be set to £0.00
* This will apply to all 3 Credit Reference Agencies, namely
Experian, Equifax & Call Credit
Replies
I got the following bullet points to add to the letter from the internet, does anyone have any thoughts on this? is it a good idea to include or will it hinder the negotiations?
To confirm, I am offering XXX to settle so long as you can agree to, and ensure that, the following actions will be carried out;
* The Status of the account will change from “Defaulted” to “Settled”
* The Current Balance will appear as £0.00
* The Default / Delinquent Balance will be set to £0.00
* This will apply to all 3 Credit Reference Agencies, namely Experian, Equifax & Call Credit
find my smile again
:money:
https://www.nationaldebtline.org/fact-sheet-library/full-and-final-settlement-offers-ew/