Oh well looks like its time to make an offer!Thanks everybody for your very usefull information.The thing that frustrates me more than anything is it has taken me over two and a half years to get hold of a copy of the agreement! Why could Egg not have done this in the first place it would have saved so much time and hassle.Thanks again

Not quite sure what i'm looking for??Any help appreciated

Yes it had my sinature on it.I don't remember doing but it was nearly 12 years ago.

Anybody able to tell where i stand with these? Are they enforceable??I have also received another letter from carters offering me a last chance to settle out of court they have also included a consent order.I have attached both below..http://i390.photobucket.com/albums/oo347/nilrs/letters/bcsett1.jpg ..http://i390.photobucket.com/albums/oo347/nilrs/letters/bcsett2.jpg .They have given me sevn days to reply so if any of you can help or advise please do.Thanks in advance

This is the second page . http://i390.photobucket.com/albums/oo347/nilrs/letters/agreement2.jpg

I have now received copies of the agrrement from carters.http://i390.photobucket.com/albums/oo347/nilrs/letters/agreement1.jpg

Ill try again in a minute

I have now received copies of the agrrement from carters.links below:http://i390.photobucket.com/albums/oo347/nilrs/letters/agreement1.jpghttp://i390.photobucket.com/albums/oo347/nilrs/letters/agreement2.jpgAnybody able to tell where i stand with these? Are they enforceable??I have also received another letter for carters offering me a last chance to settle out of court they have also included a consent order.I have attached both below.http://i390.photobucket.com/albums/oo347/nilrs/letters/bcsett1.jpghttp://i390.photobucket.com/albums/oo347/nilrs/letters/bcsett2.jpgThey have given me sevn days to reply so if any of you can help or advise please do.Thanks in advance

I have now received 2 letters. one from the court the other from Bryan Carters. Bryan reads: Thank you for you letter dated the 5th of April the contents have been noted. We confirm the statements and the default notice information has been sent to you but our client is still trying to obtain the copy of the agreement for you from Egg Banking Plc. We do require a further 14 day extension in order to obtain this document. We look forward to hearing from you in due course. Yours sincerely BC Court reads: I acknowledge receipt of your defence. A copy is being served on the claimant (or the claimant's solicitor). The claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally, the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen. Where he wishes to proceed, the claimant must contact the court within 28 days after receiving a copy of your defence. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order lifting the stay. My question is what is my next step after the fourteen days has expired?? The card was taken out in 1999 over the phone and as far as i can remember i never siigned anything. Any help appreciated.

Account was opened in 1999. I spoke to the court and told them that carters wanted the extension and asked them what happens with regards to the case. They informed me that only carters could put it on hold and I should speak to them about it. Is there any template letters on here I could use to send to carters explaining that they have not sent the requested documents?

I know it sounds like a stupid question but what will my defence be based on? Do I need to let carters know that I will be defending? Never been in this situation and it's a bit worrying. Thanks

Hi I have received a reply for Bryan Carters it reads We refer to the above matter. Please find enclosed copies of : Notice of default screen print Default notice template statements These documents relate to your account which clarifies your liability in this matter. Please forward your payment proposals to our offices within the next ten days, failing which we will pursue through the court for the full outstading balance plus further costs. The default notice they have sent me has no details on it. (no figures, no name or address or account number etc etc. It is just a blank default notice. Not quite sure what the screen dumps are about. They appear to have the date on them when they issued a default notice. I have no copy of a credit agreement from them. They have sent me various statements from 2009. One statement they have sent me from Jan 2010 has a closing balance of £0.00. There is a charge off account, refund of interest and closing balance £0.00. Not quite sure what this means? Any help from where i go next would really be appreciated. Thanks

What is the best way of doing this?? Thanks

I have received a letter today from Bryan Carter. It reads: Thank you for your recent letter the contents has been noted. We confirm we have requested the necessary documentation from our client and hope to revert to you shortly. We do require a further 28 day extension in order to obtain and file these documents. We look forward to hearing from you in due course. Yours sincerely BRYAN CARTER Can anybody please advise me what i do next. Do I have to let the court know that they require the extension or will they do that? Sorry but this is all new ground to me. Many thanks in advance. Nilrs