Can they now issue ccj?

thechippy

To add,

Should you want as much info as possible (so you can see statements, added interest etc), instead of sending a CCA request, send a SAR (subject access request). They are then obliged to send EVERYTHING they have on you, which would include a copy of the agreement.

This will cost £10 and they have 40 days to comply.

thechippy

nottoolate wrote: »

charges added by who?

----Probably unlawful charges added by RW.

nottoolate

thechippy wrote: »

Should you want as much info as possible (so you can see statements, added interest etc), instead of sending a CCA request, send a SAR (subject access request). They are then obliged to send EVERYTHING they have on you, which would include a copy of the agreement.

This will cost £10 and they have 40 days to comply.

i wouldnt send instead. would be as well if you need to.

cca request at least gives you the protection of the debt being unenforceable under s78 until they comply. a sar may ultimately show up whether there is an enforceable agreement or not. but the s78 request gives you some short term protection on top.

also a sar may need to go to the original creditor. eg if the charges were added by them or only they hold a copy agreement. a sar to a debt collector only covers the records the debt collector has on file. if they dont have records of charges added by the oc or an agreement at that point then they dont have to supply those on the sar. the original credit has no such excuse.

eyeopener2

You could find yourself in a powerful position with RW. If they have nothing you could, if you wanted, tell 'em to get stuffed and not pay them another bean, or they may start offering low full and final settlements which mean you have them on the ropes.

Do as the other posters have said, be a bit proactive, ask for the CCA and also the SAR. Theis gives you all the information you need to tell them you will pay what YOU want to pay and not what they want you to pay.

All depends what comes back from RW and Tesco.

If Tesco have washed their hands of it then my guess would be that RW have nothing. They rarely have any documentation.

Good luck but don't take no for an answer. If you want to pay £25, you pay £25.

And they are low life scum. Always remember that.

E2

chanz4

nottoolate wrote: »

the card is over 6 years old and its now 2012.

so must have been taken out in 2006 or even prior to that

duh :doh:



you believe wrong.

http://www.consumeractiongroup.co.uk/forum/showthread.php?16168-tesco-credit-card

tesco cc in 2006

http://www.thisismoney.co.uk/money/saving/article-2097082/Tesco-assault-banking-market-hold-delays-launch-current-accounts.html

Tesco Bank has already attracted 6.5million customers since its launch in 2007 with its insurance, credit card and savings products. It will launch a mortgage product within the next few months. A cash Isa will also hit the shelves, but not in time to beat the 6 April tax-year deadline, according to The Times.

eyeopener2

Tesco personal finance launched in 1997.......if I remember rightly it was a joint venture with RBS. Tesco bank came later.

Just thought you should know.

jason1231972

Sorry to hijack/sidetrack, but I wanted to check on something. I'm trying to help a third party with their debts, and this thread is kind of relevant to some of their situation.

Could Robinson Way (or any DCA) ever actually explore the CCJ route, full stop? I know DCAs threaten these kind of things, but I've always been under the impression that only the original creditor, and not a DCA to whom the debt has been passed, can initiate court proceedings. Is this a misconception on my part??

nottoolate

chanz4 wrote: »

irrelevant twaddle blah blah blah

there were tesco cards issues long long long before that.

as the link to the cag poster shows. as this thread shows, as at 6+ years old this card must be 2006 bor earlier at the very least

if your going to troll, at least do some proper research right. :rotfl:

eyeopener2

jason1231972 wrote: »

Sorry to hijack/sidetrack, but I wanted to check on something. I'm trying to help a third party with their debts, and this thread is kind of relevant to some of their situation.

Could Robinson Way (or any DCA) ever actually explore the CCJ route, full stop? I know DCAs threaten these kind of things, but I've always been under the impression that only the original creditor, and not a DCA to whom the debt has been passed, can initiate court proceedings. Is this a misconception on my part??

The DCA may have bought the debt so they can initiate court proceedings. Doesn't mean they will get a CCJ though.

They can threaten but you have to defend yourself from attack and make them look stupid. Look at CAG, AAD, Legal Be and various other sites

Bubbles12

You all do much for your help and advice

I will get a letter in the post ASAP and keep you updated

Thanks again