court judgements by egg and capital one

[mrsmair]

Firstly may i say this website is a breath of fresh air so thanks to all that run it

I had two credit cards one with egg for £1200 and one with capital one for £200
having gone through redundancy lots of late charges were applied to both cards ending with two ccjs one from egg for £1700 and one from capital one for £515 i think only 50 is court costs the rest are admin charges etc .

How do i deal with this do i write directly to the credit card companies or do i write to the debt company and solicitor dealing with these , also if the charges are criminal can i get the judgement set aside and where could i find info on tackling this

thanks and good luck to all , weeks of reading i think before attempting anything

[caro]

Hi and welcome. Plenty of reading is quite right. The charges are not criminal, ie illegal, but they are unlawful under civil law. Read the FAQ's, forum libraries and threads. Also use the search facility for less straightforward issues, so you can find threads with how other people have done things.

[DazNorthants]

Actually they might be criminal - It is an offence to obtain money by deception. If it could be proved that they knew or believed that the charges were not lawful and the hid the truth then that sounds like deception. Don't facing taking that one myself. I would wonder how the police would investigate it?

[buster642]

Originally Posted by mrsmair

Firstly may i say this website is a breath of fresh air so thanks to all that run it

I had two credit cards one with egg for £1200 and one with capital one for £200
having gone through redundancy lots of late charges were applied to both cards ending with two ccjs one from egg for £1700 and one from capital one for £515 i think only 50 is court costs the rest are admin charges etc .

How do i deal with this do i write directly to the credit card companies or do i write to the debt company and solicitor dealing with these , also if the charges are criminal can i get the judgement set aside and where could i find info on tackling this

thanks and good luck to all , weeks of reading i think before attempting anything

One thing to be very careful of is that Egg have a clause in their agreement that states they can continue to charge interest even after judgement.

This is a very nasty clause because a second debt can acrue that you are not aware of until years later, but is perfectly legal.

Check out the threads about Paragon, who are masters at this trick.