Intrum

veteranmark

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

If you can't afford it then you ignore it.

Let us know if you get a letter before action (it-s unlikely)

McKneff

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