S
SimonD
Guest
Hi
I had a Tesco credit card, with an outstanding balance of €4000.
I'll give a small bit of background first. I missed a payment on a Tesco credit card before Christmas 2011. I got a letter on Dec 31, saying I had to pay €400 within 21 days. On Jan 10 I called them, stating I had just paid €150, and would pay €250 on Jan 24. The girl said that was fine. Day after I made the Jan 24 payment, I got a letter stating my account had been cancelled. Letter had been sent on Jan 23!
I called the Tesco collections dept, who said my case would be transferred to the Complaints dept. At the end of January, I got the regular statement, which showed the €400 had been received.
I rang again, but Collections told me my case was now with Complaints, and they couldn't help me. Anyway, I received several letters from the Complaints Department, apologising for the delay, assuring my case would be resolved soon. But they never took my calls.
I didn't make any payment, as I didn't know what to pay and no one was able to deal with me.
Two weeks ago, I receive a letter from Triton Credit Services. My debt is now with them, asked me to call. Which I did. The guy at the other end of the phone was not nice at all, he wanted all my information, including my income, outgoing expenses etc. I told him I would not give the information, he said he would send out a form. I rang Tesco again, but they said I was no longer a customer, so they wouldn't deal with me.
Last week I received the Financial Statement form. The letter said "You must complete this form as fully as possible and include proof of your income and a pro-rata payment offer to this debt."
I also got a letter from Tesco Complaints, which said I had been misinformed by the girl on Jan10, and the card was rightfully cancelled as I didn't make the payment within the 21 days. The letter also stated they would take €100 off the debt to make up for the delay.
I'm not sure what to do next. I reckon I can pay Triton €80 a month. Do I just phone them and make that offer? Or should I go to MABS and get them to help me fill out the form? I'm not happy about giving Triton any of my personal information.
Also, should I make a complaint to the Financial Regulator about how I was treated by Tesco? It won't reduce my debt, but I do feel this issue could have been resolved without the Triton if Tesco had just dealt with me sooner.
All advice gratefully received.
I had a Tesco credit card, with an outstanding balance of €4000.
I'll give a small bit of background first. I missed a payment on a Tesco credit card before Christmas 2011. I got a letter on Dec 31, saying I had to pay €400 within 21 days. On Jan 10 I called them, stating I had just paid €150, and would pay €250 on Jan 24. The girl said that was fine. Day after I made the Jan 24 payment, I got a letter stating my account had been cancelled. Letter had been sent on Jan 23!
I called the Tesco collections dept, who said my case would be transferred to the Complaints dept. At the end of January, I got the regular statement, which showed the €400 had been received.
I rang again, but Collections told me my case was now with Complaints, and they couldn't help me. Anyway, I received several letters from the Complaints Department, apologising for the delay, assuring my case would be resolved soon. But they never took my calls.
I didn't make any payment, as I didn't know what to pay and no one was able to deal with me.
Two weeks ago, I receive a letter from Triton Credit Services. My debt is now with them, asked me to call. Which I did. The guy at the other end of the phone was not nice at all, he wanted all my information, including my income, outgoing expenses etc. I told him I would not give the information, he said he would send out a form. I rang Tesco again, but they said I was no longer a customer, so they wouldn't deal with me.
Last week I received the Financial Statement form. The letter said "You must complete this form as fully as possible and include proof of your income and a pro-rata payment offer to this debt."
I also got a letter from Tesco Complaints, which said I had been misinformed by the girl on Jan10, and the card was rightfully cancelled as I didn't make the payment within the 21 days. The letter also stated they would take €100 off the debt to make up for the delay.
I'm not sure what to do next. I reckon I can pay Triton €80 a month. Do I just phone them and make that offer? Or should I go to MABS and get them to help me fill out the form? I'm not happy about giving Triton any of my personal information.
Also, should I make a complaint to the Financial Regulator about how I was treated by Tesco? It won't reduce my debt, but I do feel this issue could have been resolved without the Triton if Tesco had just dealt with me sooner.
All advice gratefully received.