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Cmdenny

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About Cmdenny

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. I have made an order for directions asking for the following: -regarding their defense (no 12 on their defense) clarification of when egg closed the claimaints a/c dates of defaults placed by defendant on claimaints account - any witness statements I haven't committed to provide any info as I haven't got their letter about my a/c being closed (many many months ago) or Abbey Nat's declining my Bus A/c (written to Abbey for duplicate). I will deliver it by hand before work tomorrow.
  6. The problem is all about time now. I have to hand the forms into the court by tomorrow. I'm going to have to take the forms by hand tonight. I am prob going to ask for a further month and then work on the game plan from there.
  7. Hi Steven - Should I quit at this stage (Egg inaccurate default)? If I have no chance I may just not pay the £200 and not return the AQ? What do you think? My gut reaction is that Egg really don't know whats going on and the Judge will give me the benefit of the doubt. On a side note I am having trouble getting a copy of the letter that Abbey national sent to me informing me I was refused a Busines banking A/c (I have written to abbey requesting this). Does Egg not responding to DPA requests count for nothing in my case? Help - I have to return the forms for Monday!
  8. Thanks Steven - I will look into this when I finish work. I am a bit worried that maybe I should through in the towel instead of paying the requested £200? I can afford £200 but I still wouldn't want to throw it away. I was hoping that as Egg don't even know when they closed my a/c and have failed to repsond to DPAs they would wish to back down as they show themselves to be totally inept. Chris
  9. I am not really looking for much in the way of compensation - just covering of costs and my time. Financial compensation would be for having a business banking account at preferential rates declined and emotional distress of having a bad credit rating. Fundamentally they have made a mistake. Their defense follows: Defence (typed by hand from their correspondence) The claimant entered into an Egg Credit card agreement with the defendant in April 2003 it is admitted that charges were added to the claimants account during the course of the agreement. Each charge was
  10. Does anyone else agree with Mistermind that I should not bother carrying on? I am faced with paying a further £200. [i believe Small Claims Court have charged me the max should it be £5000] Does anyone think I can win? The Experian report should relate to the recent months, so I am not sure how Egg can do this? Have I any chance of getting Egg to retract this DN, and off winning in the small claims court?
  11. I have now progressed to the stage where I have to submit an Allocation questionnaire. Their defense is based on a standard reclaiming bank fees case - of which my case isn't. My case is that they have placed a default against my account inaccurately which has caused me damages. Interestingly on their defense they wrote "the account was shut on .. ... .." - So even in their defense they acknowledge they don't know when my account was shut. Egg have also failed to respond to a section 10 data request (recorded delivery) and also a Data protection request for a copy of a lette
  12. Hi - I have typed and printed 3 copies. I presume I post them to the local Court (Barnet) and leave the claim No blank. Presumably the Court Address is "In The" box at top left. I also don't know what to do for Fee - I have requested "not more than £5000"
  13. Thanks ever so much Steven - your a star. Would you definately recomend not using Money Claim? (I have used this for all past succesful claims - but that was pre OFT action) If I have to use a paper N1 where can I get the form from? And can I post this to court of do I have to present it in person to the nearest Court (40 mins on bus from work so prefer to post) Cheers for all your help.
  14. Hi Mistermind - I see them as totally in the wrong. Unlike Yasmin I don't have a "valid" Default due to missed payment (I think is Yasmins case due to penalty charges.). My Default is placed by Egg PURELY in error! NO Default has been made not COULD have been made. The account is Closed and they have placed a default in the last months for missed payment. As such I would say I have a good chance. Can anyone please suggest the text for the Money Claim/N1 ? Thanks C.
  15. Hi - The account has been closed longer than 17 months and I have an Experian report stating that a default has been placed in the last 3 months. Whats a "POC"? I am hoping that Egg will see they have made a blatant error and immediately concede. I have spend 8 weeks writting letters to them with no joy and know they wont do anything until they get the legal papers. Also I want a bit of compensation as the process has been a nightmare and I have suffered knock backs for opening a business account. If anyone has any text for an N1 that would be great. I presume from what every
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