losingwilltolive
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Posts posted by losingwilltolive
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Hi 42Mann,
Many thanks- basically i can just about read it and so i think i would be clutching at straws if i said i couldn't make it out- excepting the personal details it is the same as in the post:
http://www.consumeractiongroup.co.uk/forum/egg/166209-egg-cca-enforceable.html?highlight=egg
I now need to know what i should do next - they had initially given me 7 days to respond- i have 4/5 days left-
Do i ignore their time limits
do i now have to begrudingly try & negotiate the debt repayment with them??
Please could anyone advice
Thanks
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i can just about read it but.... taking out personal details it's exactly the same as the one in following link by another poster:
http://www.consumeractiongroup.co.uk/forum/egg/166209-egg-cca-enforceable.html?highlight=egg
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HI ODC,
Thanks for the trouble you have gone to & sorry for my ignorance but i'm still not sure what i do next-- do i send them another letter?
thanks
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hi ODC-
Please could you urgently-- the attached ( 3 pages) is all that came after i requested the CCA--
Apart from SAR what, if anything should i do now???
Excuse my naiveity but as the 3 pages sent were all signed i thought that's that and they have provided a proper CCA- i have no idea what they should be sending to my request
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Hope i've attached it correctly and deleted all personal items-
If anymore advice then greatly appreciated and also if anyone has answers/advice to my queries in previous post
thanks
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ok-- so far many thanks to SH & ODC- all views/opinions are welcome and certainly appreciated-
The SAR will go off 2moro- i will use the template here asking for everything
I certainly do dispute the amount that CAPQUEST are claiming , they may not view it as serious as it may not be big enough but i do-
As i have moved addresses in last 2/3 years - i have no idea whether they ever sent defaults, assignments etc- i can honestly say that i have never received anything for quite a few years-
for the SAR- i know for a fact that i have had many telephone calls with EGG in the past-- if they do not provide transcripts of this ,then do i have any other options??
initially i was believing myself that it was statute barred ( the SAR request will now show everything)- but i have to say that the more i have gone back and thinking about it- the last payment i made to them must have been mid/late 2003!! and not earlier as i had thought-
So i'll have to rely on other defences for any petition they throw at me--
As i have stated ,at the end of the day as Bankruptcy is not an option, i may end up having no choice but to arrange to pay most of this back-
One thing i have learned is that people like CAPQUEST play on percentages- they buy large debt for a fraction and then hopw they find some mug ( i.e. myself) who'll end up paying most of it so in their eyes its all been worth while and they will carry on and on--
If i could have beat them at this game it would have certainly made me a lot happier- I am not blameless as at the end of the day i incurred a debt and through buisness failure/ job changes ended up defaulting- but then for 3/4 years i hear nothing at all then all of a sudden they attack!!
All advice i have so far received is very much appreciated
Thanks
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Many Thanks-
Will keep all informed and will scan & upload agreement.
Will also send SAR-
If Capquest/Egg did send default notices/notices of assignment etc then no idea which address as i'd already moved.
Looking at statements,the last payment made was unfortunately in Early 2004- so not statute barred..
Although the SAR will go off - can this still be disputed prior to them issuing a Stat Demand- Although i do agree monies are owed it is not near the £20K claimed-so should i also inform Capquest that i do not agree with the figure claimed or shall i make no contact with them for a while
Thanks
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sorry to Bump-- but quite desperate now as they had only given me 7 days to respond.If anyone at all has any further advice re: my last 2 postings,i'd be grateful.
if this now means that i have to negotiate with them i'll need some advice on that also
thanks
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will try to post it up here( although last time i tried something like this it didn't work),in the meantime having got over this nightmare of receiving this i can now be more precise with details-i will also give below a very good idea of what's been received.
firstly, and my error-( card applied for in Dec 1999- but agreement signed JAN 2000)
the agreement is 3 pages:-
1st page starts 'credit agreement regulated by the consumer credit act 1974'
the 5 sub-headings on this 1st page are then :
About You:(personal details)
About EGG: ( postal address of egg)
About your EGG card: LIMITS ( 2 lines of description)
Interest & Credit Charges (15 lines approx)
Repayments ( brief descrption of how they will collect monthly)
2nd page : starts: Important-you should read this carefully-Your rights
this is approx 1/2 page A4 with signatires /date of both myself & on behalf of Egg
3rd Page : Instruction to your bank or Building society to pay by direct debit
As per my earlier post - i feel that i have again ended up in a real mess and one which is very serious as 'statuory demand/ banruptcy' -will lead to automatic loss of job-
They( capquest) have given me 7 days to respond.
Please can anyone advice/help- as i guess i'll need to compromise with them?? not really sure at all and am in a complete faze- it is certainly going to be another very bad xmas
Thank you
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UPDATE- and not a good one-CAQPQUESThave produced a CCA ( 2 pages) dated in DEC 99
I am now eriously concerned as i can't pay anywhere near the £20K claimed.
For reasons outlined in earlier post,a statutory demand leading to Bankruptcy is very bad ,only because of my work- Bankruptcy is not an option as will result in my position being terminated...
Please can anyone advice as i cannot go down the statutory demand rpute for fear of being declared bankrupt-
Do i now have to negotiate with these people? they have given me 7 days to respond or face escalated legal action
This is really worrying me and any help appreciated
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Thanks- In answer to the questions:
verbally i did tell them that i wasn't happy that all they seemed to be interested in was securing any old price just to secure their commision
the tie-in period came to an end after 16weeks and then i terminated-but sold house a week after with private negotiation between me & buyer...
so legally ,i am screwed as their contract stipulated that if house sold after contract to someone they had previously introduced then liable for fee...problem is we don't have it!!
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agents have just left message -stating that if i don't call then they will employ debt collectors to collect this!!
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Tha'd be great- i will have to put up some sort of a defence as do not have any money to pay them and also it does seem a lot to pay out for hardly any service in return
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Hi,
Basically they are saying that as it was technically a buyer they had previously introduced they are now after their full 1.75%+VAT commission
No 'official ' claim made yet
sorry to be a little thick but not sure what POC means
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Hello,
As some you are aware repo order granted on my house in May-- anyway avoided actual eviction by mananging to get rid of property ( well under value)-
However- I have to confess to doing something a little naughty-
The Estate agent did very little( my opinion)- he only seemed interested in me lowering price further--
In the end i privately negotiated with someone the agent had introduced 6 weeks before-
This obviously saved me a few thousand in fees and as i'd heavily lost out on forced sale anyway i wasn't bothered at all about bypassing the agent.
However,it is not a matter oftime before i get a summons from the estate agent as they have been calling me non-stop-At the end of the day their very poor.non-existent service is probably not a good enough reason for me bypassing them but i cannot now pay them anything so will have to defend any action-
If anyone has been in similar situation it'd be good to get a heads up on things to come
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Many thanks- they accepted letter on 7th Nov- so the 12 working days expired on 25th Nov
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could anyone just advice the 12+2 days---is it then 14 working days the day i posted( 5th Nov) or does the 14 days start the day after posting(6th Nov)- only asking as i need to put a date of when Capquest defaulted on my CCA request
Thanks
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Hi Slick- Yes it was Gary's post-- as it also clearly explains many of the stages- thanks for the prompt otherwise i'd have asked a thousand questions by now!!!
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Just to say --that one of the threads is indeed great as it is similar to my case---infact the only thing i'm not really sure about is for the affidavit on form 6.5-do i need an appointment in court , not sure who can witness this etc
any help much appreciated
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Hi,
Yes- just been going through the related threads and doing some copying & pasting-- thanks
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Hi,
tonight i' working on filling out the forms 6.4 & 6.5 to set aside the statutory demand that arrived form capquest by first class post last week- for a debt/reference that i have no idea about..
I have to admit that the forms have confused me and i am not sure how to answer many of the questions:
e.g. on form 6.5 - Q2- is it asking for only 1 of the 8 reasons on form or can i choose a few?
do i also claim any costs on this form?
sworn at ??? is this my court?? do i need to make an appointment?
form 6.4 a to e?
sorry to be so thick here but any help is appreciated
thanks
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Many Thanks SH- will keep you guys posted-
On a sample letter from 42Man- where i have to put the date of when the 12+2 expired is it 14 days after I posted the request? I posted request bty recorded delivery on 5th November
Thanks
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As still not received any response from Capquest- should i now send out that other letter informing them that they have not complied
thanks
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Hi Slick.
yes - will do. I am not sure of the account number but i do have kensigntons address
Capquest/ Letter Re: Purchased Debt
in Debt Collection Agencies
Posted
Yes - I have SAR them (EGG) yesterday-
Not sure how to go about trying to negotiate with them-some of the amount is already dispute-
42Man- do you have a letter that covers both discussing a repayment plan with them but at the same time making it 100% clear that some of the amount claimed is in dispute.
Furthermore- i know of all the letters reqiuesting statements,CCA,SAR etc-but is there a letter that simply 'disputes the amount claimed only'
Thanks again
PS/ It's a real pain that i now find that i will end up having to work along side these people in order to come to an arrangement