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guitarlady

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Everything posted by guitarlady

  1. Thanks anyway. I appreciate all the help and support I've had on here over the years. I thought I was doing the right thing - I made genuine offers to Egg for F and F and hoped that I could get it passed back from the DCA (Apex) on the basis that they had been unable to provide a CCA and shouldn't have passed my account out. I'll wait and see what happens and post an update if anything changes. It'll still be statute barred by Feb 2020. I can wait. Thanks again for the help.
  2. Will do. Thanks. It's Feb 2015. Found my file with my notes and bank printout. The token payment was returned to my bank in Feb 2015. It's not 5 years yet. Is there anything else I can do other than a recorded letter with "written correspondence only" to remind them. Cabot did send someone to the door (8am) despite me writing to say "written correspondence only". I refused to discuss anything or confirm my identity.
  3. Update: The Canada Square phone number - they don't take calls - you've to write. The automated options presented appear to be focussed on claims and PPI complaints. I held on and spoke to a general operator and now have the info for making an Egg query. I apologise for asking this again, but are you absolutely sure that me writing to them, with an account number to find out when the last payment was made, will not start the 5 year clock going again. I was making two different token payments -one for a card, one for a loan. This is the loan one. The card toke
  4. Two things - firstly, who would I contact? The Egg I dealt with no longer exists. I've been online before trying to figure out who to contact. Barclaycard seem to have acquired Egg credit cards and Yorkshire (?) the banking arm. PPI claims are to some subsection of Citibank with an address in Canada Square. An important thing here is the "in dispute status" - they cannot pass the account out or sell it on. If they ceased to exist as an organisation and they can't pass out an In Dispute account - who do I contact. If I contact someone other th
  5. Hello and thanks for moving the thread. I cannot remember when the last payment was made - it was years ago and it will have been to Egg (and it will have been a token payment). Egg refused a full and final settlement offer (maybe twice) and I did a CCA request. It's absolutely ages ago but I do remember they missed the deadlline and when I wrote again to tell them the account was now in dispute, they told me on the phone - not in writing - that they didn't have the documentation required and asked what I was planning to do. I said I'd continue making a token payment but that
  6. Hello GDPR I've a letter form Global Debt Rocovery Ltd. They've written: "Client Cabot (Egg Banking Plc)" and given an account number? I've consistently told Cabot I've no relationship with them. If Egg want to get in contact, fine, but anything will be from a decade ago (maybe more). Do Egg even exist as a company any more? Years ago I told Cabot to tell Egg to get in touch if they wanted to discuss something with me. They don't respond in any meaningful way (Cabot), they're impossible to deal with - it's computer generated stuff. I wr
  7. Letter sent recorded delivery to RMA. Letter back to say they're investigating (not sure what exactly they're looking into). Letter arrived from Moorcroft. Phone calls have started - ignoring them. I'll give them a few days then send them the written correspondence only letter. Update. Same cycle of weekly letters from Apex. Going to wait a few months then try a Full and Final offer provided they can show paperwork - going to reduce my Egg payment to £1/month. Egg are ignoring my letters asking why it's been sold on when in dispute.
  8. @Hopster - why was your one in dispute (without posting anything that can reveal who you are to any Apex reps reading this) - and did you write to whomever told you they'd purchased it and pointed out the status? I did - and phoned the Ombudsman who was very helpful. I was told they shouldn't be sold on though it happens. I asked if I could complain on those grounds - they said yes but there was no legal action I could take and nothing to stop a third party asking me to give them money - it's up to me whether I pay them or not. They did say that paying might be construed as acknowledgi
  9. Getting regular letters from Apex - every two to three weeks - but nothing new. I'm in some computer generated cycle. I'm still paying monthly (voluntary payment) into an Egg account. Haven't heard from Egg in years. Haven't bothered sending a CCA request to Apex. Egg didn't comply all those years ago and they were the original creditor. Amount is going down on the Apex letters. Are they acting for Egg? I'm presuming that I mustn't ever pay Apex anything or acknowlegde their right to collect. makes it easy to argue that the account isn't theirs - Egg failed CCA request, IN DIS
  10. Update. Single threatening letter from Barclaycard. Usual stuff - Mercers will be in contact and will issue a blah blah blah ... nothing from Mercers. Sent response recorded delivery asking for clarification - they've booted me straight to RMA. That was quick. Waiting to see what they do. Ignoring the calls from their 0177 number and sent a letter asking for written correspondence only. RMA have said in their letter that Barclaycard will not accept any correspondence from me. Update. Nothing new. Weekly letters from Apex since last post in may. Same old, same old.
  11. Update. My voluntary monthly payment (to Egg relating to an old credit card) has been returned to my account. I have continued making a monthly payment to Egg though the account is "in dispute" via a failed CCA request a number of years back. Barclaycard have sent a few computer generated letters with the details of where I've to send my payments. I spoke to the Financial Ombudsman Service a few years ago about an "in dispute" account being passed or sold on to a third party. I was told that companies aren't supposed to do this but they do it anyway. I asked if I could trigger any le
  12. Very interesting. If Egg don't exist any more - who are my payments going to? How do you know that Egg doesn't exist? What's your basis for saying that? Re: barclaycard being "fair" - five years ago the national press described a "culture of dishonesty" that permeates the company from top to bottom. Did you CCA Egg and find your paperwork was in order? http://new.egg.com/visitor/0,,3_11060--View_819,00.html Link above shows Egg still online - so ....?
  13. Update. Generic letter received - change your payments to this accout instead. Stop paying Egg. You may incur late charges if you don't." My position is still that the account is "In Dispute" - inadequate response to CCA request to Egg years ago. Just waiting to see what they send next - if anything. This is the first correspondence from Barclaycard in ages. They just ignored my F & F letter (Egg copied to Barclaycard).
  14. Update - still getting the cycle of letters from Apex. It repeats every few months: (1) "phone us" (2) "we haven't received your monthly payment" (3) "we're passing your case to our legal team" then back to (1) Had the legal team one multiple times - then back to (1). The offer for just under 10% for full and final (was clear it was being offered to Egg - copied to Apex) has been ignored - that was a while ago. I suspect the Apex position gets weaker every month. No CCA paperwork from Egg (a few years ago now) - that 10% may start looking good if I stop my standing orde
  15. Ah well - just keep offering the full and final. Have you another creditor? You could offer it to Apex one last time with a time limit and warn them you'll use it to make an offer it to the other creditor if they say no. Just a thought - though £30 a month seems a good amount. If I was Apex I'd take it and stop bothering you.
  16. CCA - Consumer Credit Agreement. Look it up on here or the site of the Office Of Fair Trading. I had a lot of creditors to deal with when I first had financial difficulties. I initially went to the CCCS - the Consumer Credit Counselling Service. Big help. They encouraged me to be open with everyone and (given my circumstances) - make a token payment to each of £1 while getting some cash together to make full and final offers. They warned me about Egg. I didn't find out about my CCA rights until I joined the forum here. A few credit card creditors were refusing F & F settlements
  17. Thanks for the info. My Egg account has been in dispute for years. I'll be stopping my Egg payments altogether if they turn down the F & F. If I've understood this starts the "statute barred" five year clock here in Scotland. I've no decrees against me - and will contest any court action. A decree, a payment or correspondence acknowledging the debt interferes with the five year limit. If I start making payments to Apex it could be argued that it acknowledges a debt. I'd be concerned that a CCA request would do the same. Are you making the £30 a month payment to Apex or still to
  18. Same here with the phone thing. Last one was sent recorded delivery - still got calls. Made a F & F too. Waiting to hear their response. Still paying Egg at this stage. Will update here with anything major. What's the termination route?
  19. Update. Apex sent their "notification of assignment" forms again. Should have come from Egg - also nothing on there that looks like Egg documents - and no proper name/contact at Egg to let me easily query this or point out the IN DISPUTE status. Told Apex I wouldn't be making payments to them but offered an amount (that I can afford now) for Full And Final in respect of that Egg account. Will post % if they accept. Intending to stop voluntary monthly payments to Egg if they refuse. Will keep offering F & F amount - will increase it if I can. If it gets to the statute barred time I'm d
  20. Update. Going to do nothing to see what Barclaycard do. Intending to refuse to change payments to their account - and will make a F & F offer. If I'm on their radar and they start chasing - otherwise I'm just going to keep paying Egg what I can.
  21. Bit confused. Do I stop monthly payments to Egg immediately or do I have to wait until Egg say it's ok? I don't want to put in the exact amount in case someone at Barclaycard (or Apex) can identify me - but I've been upping it when I can. It's been over £50 a month for quite a while now - split between an Egg loan and an Egg credit card. These are monthly (voluntary) payments to Egg - I have not received any communication from them in a few years. I recently sent a recorded delivery query to Egg regarding Apex who contacted me out of the blue to claim they have bought any financial liabil
  22. Thank you for that. Egg already failed the CCA request test. As I understood it that means they are not allowed to pass the account on to anyone else - at least not while the account in IN DISPUTE. I thought they had to go to court once they missed the first CCA deadline to have the IN DISPUTE status lifted. Now given that my intention is to make an offer for full and final - are you still advising a CCA request to Barclaycard? Does this not in some way confirm that I have agreed to Egg passing out my account while it was still IN DISPUTE? Thanks again for the response and for any he
  23. Hello all. Seems there are plenty of us on here. I've an Apex/Egg thread on the Dealing With Debt In Scotland forum. Egg loan They repeatedly refused F & F offers They failed the CCA test Tried F & F again (no) Been Making voluntary monthly payments Apex wrote to say that my Egg debt was with them. Looked like a fake and I wrote and told them. Have refused to change my voluntary payment to their account. They keep phoning despite repeated written requests for "written correspondence only." About to try another F & F offer - asked for advice (is it for Egg o
  24. Hello again. Update. In a position to offer just under 10% or for full and final. Egg haven't responded to anything I've sent - even the recorded delivery ones. Apex still phoning me at home despite recorded delivery letter requesting (again) that all correspondence should be in writing. I've told Egg that I will deal with Apex as their representative - but not on any other basis. The account is in dispute - still no CCA from Egg - years ago now. Any advice as to how best to proceed would be very gratefully received. Do I sent the offer to Egg and a copy to Apex? Once again, tha
  25. Thanks Delilah. Apex's position is that they have "purchased" the debt. I wrote and asked them if they are simply acting as agents for Egg. I actually would have been ok to deal with them on that basis. Apex wouldn't clarify this despite further requests from me. I've never received a notification of assignment from Egg. When I wrote and told Apex this they said I received a letter in their first contact pack. I got something but it looked like nothing I've ever had from Egg, wasn't signed in a way I could read (and no printed name underneath). No account details. I'll wait and see i
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