I'm after a bit more advice please guys. ARC have referred things on to a solicitor - Trevor Munn - now. I have received the following letter: On the instructions of our client, ARC (Europe) Ltd (acting on behalf of Egg Banking PLC) documentation will now be prepared for the issue of a Claim against you in the Northampton County Court for recovery of the above debt. We have been instructed to prepare a County Court Claim in ten days from the date of this letter unless we receive either payment in full or a substantial payment and a firm commitment to clear the remaining balance. If it is necessaray to take this step you may be liable for court costs of £165.00. If the Claim is issued and he debt still remains unpaid, Egg Banking PLC will then seek to obtain judgement against you, which will then be registered as a County Court Judgement. The letter then goes on to ask for payment today, and requesting I phone the legal help line of ARC and ask for their litigation manager. As previously mentioned I sent a request for a CCA to DLC on 2 occasions and as they failed to provide one, I sent an "Account In Dispute" letter. I had no reply to this either. DLC stated they were now collecting the debt and as they were the ones doing the collecting, this lovely form advised me to contact them instead of Egg, as Egg had passed the debt on. I have never received a CCA from DLC and didn't approach Egg direct. Is this solicitor's letter just a veiled threat? Should I reply to the solicitor and enclose copies of all the correspondence so far? I certainly don't fancy speaking to them on the phone, I'd rather have everything in writing. To add to my worries, I'm being made redundant later this year. The worry and stress levels are going through the roof at the moment, so I look forward to any further advice to help ease my frazzled mind... thank you.

Thank you again cerberusalert. I've sent the letter today, so wait for their reply with baited breath!

I may go down that route then, thank you. Do I just ignore the letter or should I reply in some way?

Thank you for your support. I have received another letter from ARC today saying that they have checked with Egg and have confirmed that DLC advised me that my request for a CCA needs to be sent to Egg directly. When I requested the CCA it was DLC that were dealing with my repayment arrangement and on advice from this forum, as they were collecting the debt, I asked DLC for the CCA. It is correct that they did tell me to contact Egg direct, but as they were collecting the debt I sent the "Account in Dispute" letter to them. My card with Egg was taken out in approx late 2004... I'm not sure of the exact date but I know I definitely had it in early 2005. Does this make a difference then? I see you mention you are awaiting the results of an on-going case. Should I just ignore this latest ARC letter even though they still threaten further collection proceedings at the end of it, and that even if I apply to Egg directly for a CCA it won't delay their intended legal action?

Hi. I wonder if someone could direct me as to what to do next please. Egg forwarded collection of my debt on to DLC. I had already been to the CAB and agreed to nominal repayments and I kept to these terms. When DLC came to review my repayments they refused to continue the arrangment and said they would get a charging order on my house! I asked DLC to provide a CCA Agreement as they were the ones threatening this action, and they were unable to produce this or reply to my correspondence, saying the debt was with Egg so I should ask them for the CCA. On the advice from this forum I ceased payment and issued a dispute letter last November. I've heard nothing since... until today! I now have a letter from ARC (Europe) Ltd Credit Management (never heard of them) and they are saying the account has been passed to them by Egg (I thought it was DLC who were dealing with the account) for collection, and unless I pay up they will instruct their solicitors to prepare court proceedings against me. What should I do next please? Thank you in advance for any advice.

Hi again. I sent the dispute letter, but got this letter today by way of reply (hope you can read it)... It is almost identical to the letter I received when I first requested a copy of the CCA, and before I sent the dispute letter!! I have now cancelled the standing order to them as recommended earlier, so do I just "wait and see" now, or do I reply to them again? If so what letter should I use next? Thank you in advance, you're so helpful.

Sorry to be a pain, but I can't find the link for the dispute letter Could someone point me in the right direction? Thanks again.

I'm after some more advice please. I have send a CCA request to DLC (but not to Egg yet, will do that if you advise me to). DLC have sent a letter back stating they are only the Collections Agency dealing with Egg and that I have to make the request to the original client (they have given me the address of Egg Data Request Team). They have also returned the postal order to me, asking to send another one in the name of Egg, and that Egg should respond within 12 days. Where do I stand now? It was DLC that was threatening the Charging Order but I don't know who I should be dealing with now!

Thank you for your replies, my mind is now more at ease, and the letter requesting a CCA is printing as I type. I will also contact the OFT about them asking for my wageslips. It's a lot of hassle, but so is having them on my back every week lately!! Thank you.

Hi. I'm after some advice on what my next course of action should be regarding an Egg credit card debt of just under £5000. For the past 18 months they have been happy to accept nominal payments of £1 per month due to a sharp decline in my income, but have now referred the debt to DLC who asked for my last 3 months wageslips. These I provided last week, and today I received a letter saying they are not prepared to accept £1 per month as it would take too long to clear the debt and they will be seeking a charging order on my house, even though it is clear from my income I cannot afford more than the agreed nominal amount. The letter did state however, that they would not pursue sale of the house! I have no CCJs, have not asked if Egg can provide a copy of my signed agreement yet, and so far, with the help of the CAB, the only hassle I've had is the occasional review (where there has been no change in circumstances) followed by acceptance of my £1 per month. I know this arrangement probably can't go on forever, but can they just say they will put a charging order on my interest in the house (jointly owned) without any CCJ or default on payment arrangement? Am I best to let it go to Court? Do I ask for a copy of the signed agreement (and if so, what do I do next)? Are the Court likely to put a charging order on my house when my income and expenditure clearly shows I have nothing left to pay creditors now? My first thought was to ask for a copy of the signed agreement. I'm getting a bit confused as to who to deal with now though... Egg or DLC? This forum is fantastic for putting your mind at ease and giving great advice, but I'm having a little trouble finding answers to some of my questions... I don't think I'm looking in the right places! Thank you to anyone that can help and who takes the time to answer.