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Papa Lazarouis

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About Papa Lazarouis

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  1. Hi All I received a letter from Capquest the other week-they claimed to be acting on behalf of Tesco Personal Finance - with who I do have a long standing debt. (I used to paymonthly to Moorcroft but they wrote almost a year ago saying that they were no longer handling the case.) I wrote back to Capquest stating that I acknowledged no debt to Capquest and asked if they had purchased a debt from Tesco Personal Finance, and if they had how much did they pay for the debt? I then received a letter from HP Legal Solicitors claiming to be acting on behalf of Capquest - they laid out t
  2. Hi Thanks for the prompt response but I can't get the link to open and can't find it on the site:( Could you please repost. Kind Regards PL
  3. Hello All. My ex wife handed me 2 x letters last week from a company called Aktiv Kapital. She also informed me that they rang my old marital home asking for me, my ex informed them that I haven't lived there for 6 years. I have previously informed EGG of my current address, it appears that haven't passed this on to this new company. Having written to EGG putting the account into dispute last August (see earlier posts) I recieved the "we are looking into your complaint" response and heard nothing from EGG since. Aktiv wrote earlier this month and in their first letter say they
  4. Hi DD Many thanks I'll get some letters out to those concerned tomorrow. I'll keep this thread updated with any responses. Kind Regards PL x
  5. Good Morning. I have just received a letter from Arden Credit Management- they have given their address as PO Box 15276 Solihull B91 9PN - they say that they refer to Lombards letter to me dated just over 2 weeks ago and that they are pleased to advise that with effect from April my ongoing relationship will be with Arden Credit Management. Firstly I've not received anything from Lombard telling me of this. I have been sending a monthly cheque for the last few years to Regal CC who were acting on behalf of Lombard. Arden have included a SAE and a form, they state that if t
  6. Hello Apologies for my absence on this thread but there has been absolutely nothing to report since I received a letter from Egg dated 11th Sept 09 saying that they had received my complaint and were passing it onto one of their Customer Relations Advisers who would carry out an investigation. They say in the letter that if they are unable to resolve my complaint to my satisfaction within 8 weeks they will contact me again to explain the reasons why. At the end of 8weeks I can exercise my right to take my complaint to the financial ombudsman or sooner if I've received their final response,
  7. Morning Vint. No nothing from ARCs solicitor. The letter to them certainly seems to have worked. Many thanks for your continued support and advice. Regards PL
  8. Just had a letter redirected to me from Egg dated 11th September (they sent it to an address I left 5 yrs ago and this despite me informing them of my new address as recently as last month). The letter says that they are sorry that I've had reason to complain and the letter is acknowledgement of the complaint. The complaint has now been passed to one of their Customer Relations Advisers who will carry out an investigation and if necessary will contact me to discuss my complaint in more detail. Should we (EGG) be unable to resolve your complaint to my satisfaction within 8 weeks of re
  9. Morning Vint, letter from *17 sent recorded delivery this morning. I'll have a check out on this link now. Many Thanks Regards PL
  10. Update* Just received a letter from ARCs ' solicitor' T Munn saying that a County Court 'Claim' has been prepared against me. It includes the full cost of the debt and an additional £190 court fees + £100 solicitors fees. I'll send them the letter you kindly drafted the other day for me. Regards PL
  11. Morning Vint, Letter sent recorded delivery to EGG this morning. I'll update when I get a response. Many thanks for your help. Regards PL
  12. Thanks for the prompt reply Vint. EGG probably sent me a default letter a few years ago, unfortunately all my correspondence is in my ex marital home and ex isn't too keen on giving me anything (other than a good earbashing when she feels like it) I sent the CCA request to EGG who asked for clarification of my address as they had no record of it, despite me sending monthly payments via Moorcroft from that address for years. Moorcroft had been collecting on the account but in Dec last year stated that they were handing the account back to EGG, as I received the letter in Jan and had
  13. Hi Basa, I am becoming more confused by the minute as I read the thread. If the agreement is unenforceable what exactly does that mean? I can see that ARC are going to become a real pain if I don't have a response to them but I'm conscious of getting my response right. EGG have ignored my letter - I presume they have passed / sold the debt to ARC who have set a tiomelimit of the 23rd for full payment (over £11k). I don't want to appear dim but I'm generaly puzzled by what happens next and where do I stand / go from here. Regards PL p.s. my brain hurts
  14. I'll try again adding the scan in readable size EGG CCA Dated May 2003.pdf
  15. Hi, Apologies for not replying sooner as I've been away from a pc. I have received a letter dated 13th Aug from ARC who have attached a copy of my CCA from EGG. Egg have not responded to my original letter however ARC have put in their covering letter that 'the copy of my signed CCA from their client (EGG) shows you agreed to the Terms & Conditions of the agreement (which can be viewed at www.egg.com). As we have now supplied you with this documentation we require full payment within the next 10days. Your payment should be sent directly to this office , please ensure payment is m
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