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adebo119

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About adebo119

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  1. I've just realised why Morgans may want my PPI docs - one of the letters I wrote them (which I copied from this site) mentions the fact that i required documents from them because I believe i was wrongfully sold the insurance from egg. Can they rightfully ask me for my PPI docs? I have actually written to egg to ask for these docs, but have not heard anything yet. please help! Thanks
  2. So sorry for the confusion! In Feb, I got a letter from Northampton court asking me to defend or admit the claim. I wrote to morgans asking for a signed copy of the agreement, a notice of assignment and a statement of accounts, as well as any other docs they may seek to rely on in court. In the court docs, I wrote that i tried to claim on my ppi, but was told I could not, unless i declared myself bankrupt. Morgans have eventually sent me all the documents except the statement of accounts, which they say they would send eventually. The signed agreement they sent has figures which do not t
  3. I haven't even claimed anything! This is what makes their request quite odd!
  4. Thank you, Bazaar. I will stick to this thread . I moved after I had gotten the loan, and I was pregnant and ill, so I lost all the paperwork amongst other things . However, I saw on moneysavingexpert.com a template that I could use to ask for details of the PPI I was sold, so I am thinking of writing to Egg to ask for the paperwork. I am thinking along the same lines as you, that they should provide me with paperwork, not the other way round..... They have now sent me a 'signed copy of the agreement' (a week late), but the figures on the statement don't appear to tally with my bank stat
  5. Update - Morgan sols have now sent me a letter 'pursuant to CPR r.18', requesting that I provide them with a copy of the PPI policy I had with Egg; a copy of the t's & C's realting to the PPI policy; a copy of the claim I made in accordance with the PPI policy; and a copy of the communications I had between myself and Egg in respect of my claim (they want a response in 28 days). I don't have ANY of the above documents... are they actually allowed to ask for these docs? And to what purpose? Any idea how I should reply them?
  6. Update - Morgan sols have now sent me a letter 'pursuant to CPR r.18', requesting that I provide them with a copy of the PPI policy I had with Egg; a copy of the t's & C's realting to the PPI policy; a copy of the claim I made in accordance with the PPI policy; and a copy of the communications I had between myself and Egg in respect of my claim (they want a response in 28 days). I don't have ANY of the above documents... are they actually allowed to ask for these docs? And to what purpose? Any idea how I should reply them?
  7. Thank you, Old Andrew 2007. I sent the cpr requests in Feb, and a reminder last week. Yes, after thinking about it, I agree it's too early to ask for a strikeout . I'll look at this link - anything to help, as all of this is totally new to me. Thanks again!
  8. Hi, today i need to send in my defence to the courts. I wrote to morgans sols asking for a signed copy of my agreement with the OC, which was due over a week ago. All they sent me was a supposed copy of the NOA from OC, and said when they got it, they would send it to me. Can I ask the court to strike this case out, or is it too early? My defence was going to be no NOA from OC, no DN, and no termination of account. At first I was partially admitting the claim, but disputing the amount, and offering to make a token payment monthly. What do you guys suggest? Thanks
  9. I have done a cpr 31 and 18 to Morgans. They replied - to the wrong address . The postman recognised my name and brought it to my door - and included a log of all calls made to my number and lots of blacked out pages which are supposed to be the sale agreement of the loan. They also included a 'NOA' supposedly from egg, which I doubt, as the font is not the same as egg, but rather the same as cabots! They have not sent me a signed copy of the agreement, but said they would when they could get it. I am tempted to say to the court that they have ignored my requests, as they sent it to the w
  10. After being summoned to court, I wrote to Morgans solicitors (cabot in-house solicitors) asking them to provide me with a: a copy of the agreement between myself and Egg, as this was not attached to the particulars of claim and b: the notice of assignment. I also asked wrote to ask for: ‘A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of
  11. Hi there; I hope I am doing this correctly, so please excuse any typos etc becos I am quite nervous. After being summoned to court, I wrote to Morgans solicitors (cabot in-house solicitors) asking them to provide me with a: a copy of the agreement between myself and Egg, as this was not attached to the particulars of claim and b: the notice of assignment. I also asked wrote to ask for: ‘A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened. True copies of any notice of assi
  12. I am very concerned because it is a lot of money - in excess of £16K! And I am not working right now... Do people really get stuff thrown out of court with amounts this large?!
  13. Thank you, 42man. Yes there was PPI on it, but when I called up and told them about my situation and being unable to pay anymore, they said unless I declared myself bankrupt, there was nothing they could do. As a matter of fact, i don't even remember getting a letter of default from egg. I will look at the links you have sent me. Thanks so much, God bless.
  14. Hi 42man, The particulars of the claim read: "The claimant is the assignee of a debt from Egg Banking plc loan ref XXX. Notice of assignment having been given to the defendant in writing. Despite demand for payment, £16xxx.xx reamins due. The claimant claims £16xxx.xx and interest under s.69 County Courts Act 1984 and costs". I have to respond to the claim very shortly; is it too late to ask for a CCA? I have lost the paperwork for the original loan Thanks so much for your help. Very grateful
  15. Hello; I am hoping I can get some good advice from you good people out there. In 2003, I took out a loan from Egg for £20000. I also took out insurance for the loan for £4450. I was paying back £457 a month every month until middle of 2005, when I had to stop working(I was a contractor) due to complications with my pregnancy. I called up the insurance people (can’t remember, but think it was in-house with egg), and explained that I was unable to keep making payments, but was told that unless I declared myself bankrupt, they were unable to help! Last year, Cabot wrote me, stating that they ha
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