I took out a loan with Tesco in 2017, paying monthly payments as you do. in May 2018 my marriage broke down, i ended up homeless and I had a breakdown. Consequently I ended up in the care of NHS Veterans Wales and diagnosed with anxiety, depression and PTSD.  I stopped payments of all debts and reached out to CAB who informed all my creditors of my situation, medical proof etc.  I dropped off the radar for a year while i was being treated for PTSD, CAB closed my account. Tesco sold my account to Intrum, i presume as i was told by CAB details of my illness. Anyway, Ive not paid anything towards by debts because of my situation.  for the last year I've been sent a 3 monthly letter from Intrum offering a 80% discount on the total Tesco debt.  I can't afford it, so what do I do?  My other creditors haven't contacted me, they do have my address as Ive always kept it up to date on my credit file.   


  • fatbelly
    fatbelly Posts: 20,209
    Name Dropper First Anniversary First Post Cashback Cashier
    If you can't afford it then you ignore it.

    Let us know if you get a letter before action (it-s unlikely)
  • McKneff
    McKneff Posts: 38,807
    Name Dropper First Anniversary First Post
    Just ignore it. At the 6 year mark of not paying anything,  it becomes statute barred and they cannot chase you for it. 

    Google Statute barred, it explains better than I can
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
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