Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
+ Reply to Thread
Results 1 to 3 of 3
  1. 26th February 2009 14:00 #1
    lavar56 lavar56 is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         lavar56 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2006
    Posts
    5

    Default Does this apply to defaults?

    Hello all. I've been reading this Eggicon section for several hours and am a bit confused as to whether this issue with not having the 'prescribed terms' on the CCA could help me free myself of a default from Egg?

    Some background; I had an Egg credit card (from Oct 2003) which I believe has a potentially unenforacable CCA. Unfortunately I defaulted on this card in July 2007 when I was a naive student! The debt was passed to Eversheds and I have since settled this in full.

    However the default is making my mortgageicon options very difficult and am desperate to get it removed if I can. Am I correct in assuming that if my CCA with Egg does not have the correct prescribed terms (credit limit/apporved limit) then the CCA is unenforacable therefore they should stop sending the credit reference agencies details of my default (as I assume you can not default something that is unenforcable?). Is this the case?

    As I said I have no outstanding debt with them but would dearly love to remove the default notice. Is there a recommendation for a letter or text I could use/edit to send to Egg?

    Many thanks in advance for all your help and support. I've read so much today I think i'm starting to confuse myself so your advice is much appreciated.

    Reply With Quote Reply With Quote
  2. 26th February 2009 22:37 #2
    Mistermind Mistermind is offline
    Classic Account Holder
    Help the CAG!!
    Make a contribution         Mistermind Informative Mistermind Informative Mistermind Informative Mistermind Informative Mistermind Informative Mistermind's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2006
    Posts
    1,434

    Default Re: Does this apply to defaults?

    3 cases of successful DN rollback were reported. One took 18 months of continuous effort, one took 30 months. The third was achieved quickly. In a situation where Eggicon looked in some danger of not being paid at all, the claimant paid up in full. From relief and gratitude Egg manager volunteered to rescind the DN.

    If you have paid Egg in full it looks like you no longer have a bargaining chip.

    Egg DNs successfully rolled back "




    Reply With Quote Reply With Quote
  3. 27th February 2009 11:43 #3
    Enron Enron is offline
    Classic Account Holder
    Help the CAG!!
    Make a contribution         Enron Highly informative Enron Highly informative Enron Highly informative Enron Highly informative Enron Highly informative Enron Highly informative Enron's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    Posts
    2,519

    Default Re: Does this apply to defaults?

    Be aware that a Citi employee is viewing your thread, so dont post any details you are not comfortable in being open.

    Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.
    Reply With Quote Reply With Quote
« Previous Thread | Next Thread »

Browsealoud Video Tour



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE