Advice with Tesco debt

cymro77

Hi all some quick advice needed please. I used to have debts of over 35000 but after selling my share in a house paid off all but 12000. I paid off 1 creditor in full as they were being the most unhelpful.

After this I had 8000 left with Tesco and was able to restart paying the loan back at the normal monthly payments of £142 per month. I had missed 3 months payuments when I was having the most trouble so not a massive amount of missed payments. I yesterday received a letter from them asking me to resubmit my SOA to show that this was still an appropriate repayment plan for the loan. I have sent this yesterday.

I phoned them and they said because of the 3 months missed payments the loan was passed to a different department to sort out but he seemed happy that as I had made loads of monthly payments without a problem since the 3 months I should be able to carry on paying the £142 a month.

Do people think ill have a problem with them as I like to have peace of mind. I only missed 3 months payments and the amount im paying is the agreed amount as of the start of the loan.

Many thanks in advance.

jonjamie1970

The missed payments will be on your credit file for a while and may effect your ability to gain credit in the future. However for peace of mind I would be asking for a letter of somesort to declare you are all up to date, if your not then perhaps you could overpay a bit to get back to where you should be, perhaps its still in collections ?