Tesco loan - not acknowledging nominal payment made

[JamesC]

PERSONAL UNSECURED LOAN
COMMENCED NOV 2010
BALANCE £1695
LAST FULL PAYMENT FEB 2015
AGREED INTERIM NOMINAL PAYMENTS £1pm FOR NOV, DEC 2015, JAN 2016.
PAYMENT OF £3 MADE IN NOV 2015 to cover 3x £1 PAYMENTS
ACCOUNT DEFAULTED MAY 2015


12 May 2015` Default notice received
25 July 2015 Another default notice received with new date!!
27 May 2015 Requested 30 days hold on account, freeze interest
9 Sept 2015 Offered nominal payment of £1pm for Oct, Nov and Dec
16 Sept 2015 Received letter from Tesco accepting 3x £1 offer
Oct 2015 Cheque sent and cashed for £3 to cover 3x £1. Cleared bank account.
9 Dec 2015 letter to tesco offering further six months at £1pm
11 Dec 2015 Letter from tesco received (written 7 Dec) "we've yet to receive your payment of £1. this means the conditions of your current repayment plan have not been met and the arrangement is now broken"
11 Dec 2015 letter sent to tesco - reiterating that £3 has been paid and cleared, insisting they retract accusations of non payment and non-compliance with agreement and provide written acknowledgement of payment of £3
14 DEc 2015 Reminder that account remains unpaid and that unless I ma able to agree acceptable payment plan, will be passed to DCA, blah, blah.


Please advise how I should proceed with this, as they are failing to acknowledge that payment has actually been made in accordance with interim agreement.

Am I correct in assuming that this brings the account in DISPUTE and while in dispute they cannot pass to DCA.

How should I respond?

[Debt Camel]

Re: Tesco loan - not acknowledging nominal payment made

1) Set up a standing order to pay £1 per month. You may be badly confusing their poor little system by trying to make several payments at the same time.

2) ask for a statement showing all payments to the account. See if the £3 is visible on there.
If it is, send the statement back to them highlighting that payment.
If it isn't, put in a complaint that they haven't recorded the £3 cheque that you sent them, giving date and cheque number. It may be that the letter with the cheque didn't have sufficient details for them to be able to match it up with your account.