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About SillyEgg1

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  1. Hi Slick, Yes BC have had my address as I have been in my property for a long time. The defaults are for the same amounts and the same date. One by Barclaycard and one by a DCA. Mercers had it for a while then passed to another DCA, then nothing for a year or so. They finally answered my CCA request, and sent a copy of agreement signed over ten years ago, with current T & C's . On this basis I held the account still in dispute as they did not fully comply with CCA request.
  2. Hi, I took a loan with (Un)Welcome Finance in 2006. In order to do their prelim checks (which they did after giving me the money) they called my referees and told them information that is data protected. I disputed the account and then agreed to payments of £20.00 per month until dispute resolved. Dispute never resolved. I then requested a copy of CCA. No CCA for over a year, so I stopped paying. I have heard nothing from these fools since I was forced to attend the shoddy offices in 2006 to sign the original paperwork. A man in their offices simply asked me to pay £20 per month unt
  3. In 2009 I requested a CCA from Barclaycard and SAR. No response. I put the account in dispute until I received relevant terms and conditions applicable to me at time I signed Barclaycard in 1998. They kept sending me current terms and conditions. At this point I no longer had use of the card and had not made payment for some years. in 2010 unknown to me Barclarcard has entered a default for the same credit card twice. What should I do? Do I dispute the default? Any advice appreciated.
  4. Hi Fredrickson are chasing for payment of a rather old Egg loan. My credit file shows more than one default for the same debt. In 2009 I disputed the debt on the basis of unenforceability. The refused to send the SAR and finally sent it about 2 years later. In the interim I was chased by the usual DCA's and sent them all the 'account in dispute' letter. About 18 months ago, Freds sent me their first letter asking for payment. I then sent them the account in dispute letter and prove assignment as I had with the others before them. They responded with a letter full of waffle and I ig
  5. Hi, I checked my credit file today with a Multi- Agency Credit Reference agency. I saw a lot of defaults, many of them in duplicate! The questions I have are as follows: Do I say nothing and wait a few months until defaults drop off? (due to drop of at some point in 2012) Is it true that after 6 years the default drops off, paid or unpaid and cannot be chased? Was planning on hanging on in there until the 6 year statute bar applies? Any thoughts Background-The debts in question: Egg- requested CCA a million times and they did not reply for 2 years! Admitte
  6. Well I have checked my credit file today also and note that Egg have marked my file twice for the same debt as have two others. You cannot default and be settled on the same day so one, if not both dates are incorrect. Write to Egg and ask them to remove.
  7. Hi, i have a loan with Welcome. Requested CCA on numerous occasions No response. Advised them as defaulted on request that i'd cease payments. Dodgy default. Dodgy loan agreement. No word from Welcome. Now DLC chasing. Have sent 'refrain from chase' letter. What is best way to get them to court? Anyone else experience similar?
  8. Militant Consumer has won against Egg- unenforceable agreements. What is the way forward?
  9. Hi, I applied for a copy of CCA. Received out of time, but a copy nontheless. My CCA request was sent to Nottingham HQ address. Received a telephone call from a pratt stating I had to talk to him over the phone and that I must send all future letters to a different address...Are these just silly tactics, or should I continue to liase with neww address? I have sent a response letter to the new address that isn't HQ, but I have never received anything with this new address on it. Pratt just calls me instead. A soon as I sent a disputed account letter, I was sent a default letter. I ca
  10. Hi, I am new to the forum and have read a lot of the posts re Egg Loans (esp consolidated C/cards with loan) and I find myself in the same positon as Militantconsumer's friend. I have gathered all the info I have re my Egg loan and lo and behold, I have not had a statement of account and believe my loan is also unenforceable. I am going to send off a SAR to see exactly what they have. I will upload the CCA when they send me the copy they have on their files. Do I take it that if they fail to provide me with a copy of the original CCA that the contract becomes unenforceable? In
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