Help! StepChange vs. CCS vs. Tesco Mobile
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Zanzibar28
Posts: 7 Forumite
Hello! I’m hoping someone can point me in the right direction here because I’m having a bit of a nightmare with CCS and Tesco Mobile.
I had a TM debt which went into my DMP with StepChange. StepChange were sending the payment to CCS and have given me proof to show the cheques were cashed and not returned.
CCS say they’ve been sending the cheques directly to Tesco and Tesco say they haven’t received any payment since February this year despite StepChange confirming they paid CCS and CCS saying they paid Tesco.
As far as Tesco is concerned, I owe over £200 and they say I have to pay that and sort out the missing money with CCS. CCS have been very unhelpful every time I’ve spoken to them but have provided receipts showing they received regular payments from StepChange and are adamant they passed them on.
So two questions:
1) How can I escalate this and find my missing money?
2) My credit file states that I’ve missed payments between February and now but I haven’t. Can I get this amended as I can prove I have made payments? The only payment I have technically missed is November because I was trying to pay the debt off in full (a balance of approx £12) but Tesco had to investigate it and took ages getting back to me and then couldn’t give me the correct figure because of CCS’s error so it wasn’t my fault that I couldn’t pay when I was offering to?
I’m being passed from pillar to post and not getting anywhere so any advice would be greatly appreciated.
I had a TM debt which went into my DMP with StepChange. StepChange were sending the payment to CCS and have given me proof to show the cheques were cashed and not returned.
CCS say they’ve been sending the cheques directly to Tesco and Tesco say they haven’t received any payment since February this year despite StepChange confirming they paid CCS and CCS saying they paid Tesco.
As far as Tesco is concerned, I owe over £200 and they say I have to pay that and sort out the missing money with CCS. CCS have been very unhelpful every time I’ve spoken to them but have provided receipts showing they received regular payments from StepChange and are adamant they passed them on.
So two questions:
1) How can I escalate this and find my missing money?
2) My credit file states that I’ve missed payments between February and now but I haven’t. Can I get this amended as I can prove I have made payments? The only payment I have technically missed is November because I was trying to pay the debt off in full (a balance of approx £12) but Tesco had to investigate it and took ages getting back to me and then couldn’t give me the correct figure because of CCS’s error so it wasn’t my fault that I couldn’t pay when I was offering to?
I’m being passed from pillar to post and not getting anywhere so any advice would be greatly appreciated.
0
Comments
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Written complaint to Tesco, also copy to CCS.
They have 8 weeks in order to respond to your complaint, after that you have the option to escalate to the FOS.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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