Good luck, try to be positive, confident and dont let them bully or confuse you.

Happy Days

That little cheques was mine, dont listen to their waffle, they brought the action, messed up and now want you not to have costs. Imagine if boot was on other foot, they wouldn't say goodbye to their costs. Go to court, you've done the preparation work and let them withdraw at court. Good luck. Restons were emailing me late into the night before the trial to get me to settle.

Not a sausage !!!

Has the 28 day limit been removed? and wasn't it 30 days anyway?

I'm in exactly same boat but not had that last letter yet. They have to comply. The account is now is dispute.

hi, If you start your own thread you'll get the advice. I would send a dispute letter to moorcroft as they not produced docs, and they cannot sell or pass debt on whilst in dispute. CCA whoever is demanding the money and then when they dont produce cca dispute letter,

After CCA request got another text asking me to contact them. No chance !!!

Not a dickie bird, but that doesnt mean its gone away !!!! They would of flogged it to some low life.

Are you sure CCA enforcable, what about Default notice? The bottom feeders will try and get as much out of you as they can. I'm not saying dont pay but if you feel morally obliged to pay make sure its an amount that you can afford EACH and EVERY month or you primary bills take precedent. Be careful when dealing with them, everything in writing only !!!!

I'm in similar position. I am going to fight this all the way. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/231809-apex-egg-fairbyblue.html

Contacted Egg and went through security, first thing he said was how much am i paying today. i said hold on a minute i have letter from apex saying they 'own the debt' he then refused to discuss my account and why egg sold it when it was up to date !!! he stonewalled me so after me calling him a commission- based telephone monkey, i hung up.

Booklover, trust me its not as simple as that if you do go to court as you end up CCJ, charging orders and the like, you do not want to go trust me !!! (although i did have a good result) Fight the bottom feeders all the way, they will want more and more, much more that you can afford. CCA them, get the notice of assignemnt, the lot, keep envelopes, everything in writing only. Have a read of this on how underhand they are. http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/170484-fairbyblue-mbna-restons-court.html

yep, postal order and sign nothing.

Dunno what that achieve, looks like apex think you owe them money so lets hope they have the right paper work to prove it. Personally I wont be writing to Egg, I will be saving my stamps for apex. Why do you think they sold it?

not had anything from Egg saying flogging debt, except for the letters today. I never missed payment as it was Direct debit. And egg were one of the better ones when it all went pearshaped finacially. Apex will have to abide the law and lets see what happens.

click on the blue link SAR and it takes you to the template.

Defo from same computer, too similar, the Egg letter looks like a photocopied letterhead, note there is no name at egg to contact !!!! Have you CCA'd them? and while we at it a SAR? I will be firing on all cylinders for this one after a recent success on here thanks to a few kind people. Have a click around and see what you are dealing with!!! These are bottom feeders and the managing director has more CCJs that I will ever have Credit Today online

Here we go again. Had card for ages, missus went bananas on it and then did the decent thing and left !!! Had agreement with Egg for about 2 years at nominal amount £3 per month of debt about 2k. All going along swimmingly. Then get text on 9/11 telling me to contact Apex (I didnt) and then get the following letters in the SAME envelope !!!!! A few things that jump out is that the date set up for both are in same format 9-November-2009. (chances of that ?) Same font and size Cant see who signed it from Egg The egg logo is just in black not green The phone number is 0871 which is a premium rate. Plus the dates in the letters are wrong, apex says they had it from 9 september becoming active 6 november and 'Egg' notice of assignment who no doubt says 6 Novemeber So methinks a CCA to Apex but do i still pay my £3 to Egg? Would of been nice to get assignment from Egg in different envelope with some contact details on!!!

Looks like they are going to get a few CCA's:). I'm up to date with egg for nominal amount, got text 9/11 no letter yet.

Same here !!!. Here we go again !!!!

now this is getting to be a pain. Phone goes on works mobile (which should be off their system about 3 years ago) MBNA "Hello its Amy from MBNA can i speak to fairbyblue" FB "Dont know who your talking about" MBNA "Its a personal matter can you tell mr fairbyblue to contact MBNA" FB "I'm not him and dont know him so why are you ringing" MBNA "Ok do you want me to take your number off the file then" FB "Too right and dont phone me again"

The fight goes on. Restons are trying their hand. Keep going I waivered but due to the people on here i carried on and won (See cheque above which i converted into lager) Ups and downs. They wanted to get SJ and didnt. So therfore you one up and the game is on. !!!!!!!!!!

Cheers. They are officially 'a pain in the ar$e'

Good luck:D