As I understand it Lex, a stack of credit card agreements agreements have been off loaded to Apex even though reduced payment plans were in place. I haven't contacted Apex although they do ring regularly...the numbers are available on this site and all begin with 01789. I actually have my original agreement and it clearly states "approved limit." Have no intention of paying Apex and await my second letter, as per Beachcomber's post, when I shall send them a "prove it" letter and also advise them to cease calling. There is a case next March, in Cardiff Mercantile court which PT is involved with. This will debate the very issue of the "approved limit" and, if it goes the consumers way, Apex are going to be left holding a lot of lemons!! One other thing to look out for is the DN. Mine was issued as soon as I made the first reduced payment and makes no mention of terminating the agreement. As far as I can tell, Apex do not have a licence for consumer credit which means that either the assignments are equitable, in which case Egg still have an interest, or, if they are absolute then the agreements must have been terminated. Hope this helps a little!!

To be honest Elg, I wrote to Collect a while back and told them to bog off and haven't heard from them since. I think ignoring them for now is not such a bad idea. I was just making the point that, if and when you do write to them, then perhaps you should emphasise a few words of your own choosing also!!

Are you absolutely sure you didn't receive one Andy?? EGG's policy was to issue these BEFORE agreeing to any repayment plan. As I've already stated on a similar thread, my default was 3 years ago and it makes no mention of terminating the agreement. Furthermore, Apex's licence does not seem to include consumer credit. Thus, in my opinion, either Apex are acting on behalf of EGG and the assignments are equitable or for an absolute assignment EGG would need to have terminated the agreements. If it is the latter then I think EGG may be in trouble with their paperwork, yet again, as certainly my default makes absolutely no mention of the agreement being terminated.

Elg...just write back and say...

That's ok hun...I got the number from Melbel's post (same situation as us) and thought it best to share. I've just been updating my home phones...I add it as IGNORE A/B/C etc...the kids know not to answer it then...not that they're ever off the phone when they're in mind you!! Yes, letter 8 is the CCA one which PGH has kindly referred you to. Get a Postal Order (will cost you £1.50) and write on the back that this is not to be used for any other purpose other than your CCA request. Don't sign the letter but print your name. Send it recorded and make sure you photocopy everything you send, including the front and back of the postal order. I think Apex are going to be very busy for a while so I wouldn't worry too much!! :grin:

You've got to smile at the level of their incompetence though Ghost!!

Yes Nikki...it does!! 8-) Firstly you want it to be before April 2007 due to legislative changes which give Judges discretion to determine whether or not an agreement is enforceable. Secondly, I'm not sure when Egg realised the error of their ways and corrected their agreements to include "credit limit" as opposed to "limit" and/or "approved limit," so the earlier the better! I think you should be ok with 2003 but you'll need to wait for your CCA to come back to be absolutely sure. Best of luck and don;t worry in the meantime!!

Guys, I may just be getting a little over excited here, but has anyone managed to find a copy of their consumer credit licence online?? I tapped in their company registration number of 03967099 but nothing came back?? EDIT...ok, the search engine doesn't like the zero at the beginning of the number!! They are licensed for: Credit brokerage Debt Adjusting/Couselling Deb Collecting So, as Consumer Credit is not there, this means that either Egg has terminated the agreements and they are no longer live or Apex are acting on behalf of EGG as an equitable and not absolute assignment. The latter would surprise me as I presumed that Egg was offloading these accounts due to financial difficulties and the known flaw in the agreements. Also, my default was issued 3 years ago and no mention was made of terminating the agreement then.

Take a look here Little Me regarding Egg agreements... http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413 Apex may use this number, or similar variants to call... 01789 775899

Ok, there are a lot of new threads about Egg/Apex and think you should take a look at this thread... http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413 Apex may use this number, or similar variants to call... 01789 775899

Check out this link for Egg Credit Card Agreements... http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413 Apex may use this number, or similar variants to call... 01789 775899

Ok, there are a lot of dodgy Egg agreements out there which don't use the word "credit limit" but "limit" and "approved limit" PT has a court case in March 2010 which is based on this argument so I personally wouldn't fret until then. Look here... http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413

Don't worry Nikki...loads of people have received these, myself included. Follow PGH's suggestion and don't worry. Out of interest, when did you take this agreement out...was it prior to April 2007? Take a look at this thread... http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413 Apex may use this number, or similar variants to call... 01789 775899

I'll just ignore them for a while I think PGH and will be wary of any unrecognised incoming calls. Think I'll then send them a prove it letter first to see what they come back with and then hit them with a CCA request. Am resigned to them adding another default, for the same debt, to my collection though...

No text with me...although that probably went to my old works phone!! I actually have my original agreement...one of the few I did keep, and it refers to "limits" and "approved limits." Think PT's case regarding this is in Cardiff in March 2010 so think that will be pretty critical for us all. Perhaps that's why they're offloading them now! Link to PT's thread for info... http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413 Apex may use this number, or similar variants to call... 01789 775899

I've had the same thing happen with my Egg credit card. It has been sold to Apex. Enclosed in the same envelope, and on the same shiny paper was a letter from Egg saying the same thing!! They want me to contact then to arrange payment...as if!! Oh well, this was one which I was keeping on the back burner as I was only paying a nominal sum but, let the battle commence!!

Ok, Rebel has provided you with a link which should help ValleyBoy. The amount you will get will probably depend upon the degree of culpability which the organisation feels it has together with the strength of your argument. Typically you would negotiate based on salary months with 3 being an absolute minimum (in my opinion). I know someone who was sacked who subsequently received 3 months salary and a reference as part of a Compromise Agreement. The other thing to remember is that as this will be paid as compensation (not wages) for "loss of office" (eg losing your job) you don't pay tax on the first £30k. Hope this helps. However, I would use this as a fall back as, in this climate, I feel having a job is the better option. Good luck as always.

If you are paid on an hourly rate then I imagine that you should be getting paid, yes. Is there someone above her that you can complain to about this?

Legally yes, but morally and ethically it's wrong. Was this agreement pre-2007?? If so, it may Egg trying off-load these agreements as they know they are faulty because they do not contain the term "credit limit" only "approved limit." (Actually, not sure about loans...but certainly this term was used with credit card agreements.) I'm only paying them a nominal sum at the moment, by agreement, and thought they'd been pretty quiet for a while. Perhaps they've done the same to me!! Which DCA is it? Haven't you received any communciation from either party?

I wouldn't worry about this just yet as you are pre-empting their decision. This is not clear cut and your Employer is not without fault. If they do dismiss you then they will not want you going to an Employment Tribunal. At this point, your Union could negotiate what is called a Compromise Agreement and hopefully, compensation. As part of this package you should ask for a reference to be mutually agreed. The down side is that you will be unemployed and, given the current economic climate, it is likely to be difficult for you to find another job. Hence, I would be hitting them hard with all the evidence you have at the present time. Best of luck

Ok, I think this could go either way as there are clearly trust issues. Nonetheless, I believe that there were extenuating circumstances on your part and you need to remind your Employer that they have a duty of care to you. Hopefully, it will be on record somewhere that you did ask to be moved away from this guy and your request was refused? Insisting you continue working with him when there were clearly issues is also a breach of duty, as it placed you under undue stress, expecially if these concerns were not thoroughly investigated. On a personal level, I made a whistle blowing statement and my confidence was breached. Hence, I was the one who ended up having to leave albeit with compensation. So, don't go thinking that this is some wonderful mechanism for reporting all evils because it is not. Your Employer should have reasonable systems and audits in place to detect this sort of behaviour. There is also the issue of how well the company's policies were conveyed to staff, especially those not office based.

Well at least you've shut them up for a while Monx...bet they didn't expect that response!!

Yep, that's what I said. You cannot include payments to them in your priority budget. You include them as a creditor and pro-rata payments accordingly.

That's interesting Elg...so no defaults or anything?? Is there another account there that perhaps you don't recognise?

I'm not sure that's quite the case unless the OP has proof of posting. DVLA normally state that the owner is responsible until their records are updated. However, the bill of sale should help the OP. I know the law changed which is why it is so important to ensure that the changes are registered with DVLA asap.