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.
OH sent cca request to Egg received their response today (two weeks outside the 12 + 2 days).
Firstly it was addressed to Mrs Beachy but letter started Dear Mr Beachy, next is the account number on the letter does not relate to any paperwork we have from Egg.
Then they say that OH didnt enclose the £1 fee and to forward it on by return, a £1 postal order payable to Egg was stapled to the cca request and was sent recorded delivery.
If the above wasnt enough there were about 10 pages of terms and conditions headed Credit Agreement, no dates or account number or signutures or place to sign, in addition on about page 5 it states about Approved limit as opposed to credit limit which PT refers to in his thread.
In a seperate letter also received today was a stroppy letter saying that they have not been 'successful' in getting a telephone response from OH and unless OH contacts them by phone legal action may be taken.
If this wasnt enough OH had a third letter containing statement of payments made over the past six months, OH is in an agreed p/plan and they agreed to freeze interest and charges however looking at the statements they have continued to charge interest each month.
seems like the lovely staff over at Egg PLC have been busy - agreements flying out all over the place!
Mr Meerkat received his agreement yesterday and it appears to be very similar to Mrs Beachy's, only 'Approved Limit' mentioned.
Also Mr Meerkat's mummy got an Egg agreement with her signature exactly like that, however the date she apparently signed it on was last year and not in 2005 when she applied for the card.
Yeap everything fine over here, hope all is well with you & yours - starting to wonder where everyone was
Looking around the Egg forum Egg seem to be hopelessly disorganised regarding paperwork.
A Cagger gave me an address to write to to check if the postal orders had been cashed, I cant see how they can deny receiving them when they were stapled to the letters! Popped into our local PO yesterday afternoon (now on first name terms with them) apparently if you take a postal order receipt to the PO they can check there & then as to whether it has been cashed.
The SAR (when it arrives) should make fascinating reading!
Beachy's OH v Egg Card
received their response today (two weeks outside the 12 + 2 days).
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