also should I add, never make any repayment plan with a DCA. Your dispute is with Egg and they must supply the 3 documents that make the contract enforceable. Egg cannot pass on your details to a third party without your consent. It may say they can on your agreement with them but as this agreement is not a valid contract it is null and void! namely Validation of the Debt (i.e the actual accounting) Verification of their claim against you (sworn affidavit or even a signed invoice) a copy of the contract binding both parties Egg must supply these or the debt cannot be proved. Remember, you, as a natural person are different to the 'NAME' that appears in block capitals on your credit card (what you 'lawfully owe' Vs what you 'LEGALLY OWE' - fiction vs persons) can be confusing but if you need any further clarification, let me know. Best to do some research - Credit Consumer Act 1974, Credit Consumer (agreements) Regulations 1983 are 2 of the most important. Terms you need to research - unjust enrichment misrepresentation lack of disclosure

Hi Firstly Crapquest are not nice people, in fact, anyone who profits from someone else's misery ar ejust snakes. Just my opinion. However, You do not have to correspond with them. You just tell them that you have been advised that third parties have no legal standing and you will not deal with them, only the bank concerned. Do not keep answering letters of no consequence. Secondly, under the Consumer Credit Act 1974, they are not allowed to pursue or enforce an alleged debt while it is in dispute. Egg and themselves are vicariously liable for their actions in this case. If you have written, recorded and they have signed, they have received your dispute letter and you are in dispute. Stand firm on this, they will only use scare tactics. should they ignore you, and they do, sure you will find a template here to tell them to bog off. Here is one i've used and it usually stops them in their tracks: DCA Address Dear Sir Thank you for your recent correspondence. I have been advised that third parties have no legal standing in this matter and therefore I will not deal with third parties, I will only deal with the bank concerned. Furthermore, I do not give you permission to interfere with my commercial affairs and so must decline any further communication. WITHOUT PREJUDICE, Your name (small case and don't sign) If not then use this and this tends to do the trick : Firstly, I have written to xxxxxxxx with regard to the above account and am awaiting reply. Secondly, may I remind you that I informed you in my last letters dated xxxxxx, I have been advised that third parties have no legal standing in this matter and therefore I will not deal with third parties, I will only deal with the bank concerned. I DID NOT and DO NOT give you permission to deal with my commercial affairs and so will decline any further communication. I should also warn you that any further contact including, but not limited to, letters, phone calls, or personal visits from you or any third parties will be treated as harassment and extortion and will be dealt with accordingly. DO NOT CONTACT ME AGAIN Yours faithfully WITHOUT PREJUDICE Your name Hope this helps