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seanj70

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About seanj70

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  1. do you have a reference to this? i can't find it anywhere sorry but my legal reading head isn't great - sure all this cr*p is intended to baffle us!!
  2. So, what should my next step be? Write to AK stating that Egg never told me they refused my claim, that they did not try to contact me to recover any more of the debt – further implying that the account was still in dispute, that they should not have sold the debt to AK whilst in dispute request proof of assignment from AK that even with these supplied terms the account is still in dispute because of the missing ‘cooling off period’? Should I mention why i’m disputing it in detail (cooling off period) or just give the generic ‘does not include all the prescri
  3. I thought this T&C didn't have to be the original see: http://www.consumeractiongroup.co.uk/forum/showthread.php?162851#post1747504
  4. they blacked it out, however I thought this part didn't have to be the original see: http://www.consumeractiongroup.co.uk/forum/showthread.php?162851#post1747504 it is pretty much, AK have added some interest since 'aquiring' the account. there was no PPI taken out - I always saw it as a rip off and never did No, nothing from Egg i think I will - presumably they will still deal with me even thou the account was 'sold' ?
  5. A while back I requested my CCA from Egg (via CapQuest) and eventually received the following: Egg CCA pt1 Egg CCA pt2 As this did not include a copy of the terms I wrote back claiming that it wasn’t properly executed with all the prescribed terms and didn’t hear anything for almost a year from either Egg or CapQuest. Then I received a call from Aktiv Kaptial who apparently purchased the debt from Egg. As I was not aware that my debt had been sold, whilst it was still in dispute with Egg / CapQuest, I requested a copy of my CCA from AK. AK said (verbally on th
  6. A while back I requested my CCA from Egg (via CapQuest) and eventually received the following: Egg CCA pt1 Egg CCA pt2 As this did not include a copy of the terms I wrote back claiming that it wasn’t properly executed with all the prescribed terms and didn’t hear anything for almost a year from either Egg or CapQuest. Then I received a call from Aktiv Kaptial who apparently purchased the debt from Egg. As I was not aware that my debt had been sold, whilst it was still in dispute with Egg / CapQuest, I requested a copy of my CCA from AK. AK said (verbally on the p
  7. so if the debt still existed, would it be written off after 6 years?
  8. ok, I finally got a copy of the CCA from Aktiv Kaptial and a covering letter that states that Egg rejected my claim that the agreement was unenforceable. I was never told by Egg that they reject my claim and I never received a copy of the terms, which this time have appeared. However, there is still no mention of my rights to cancel which i understand are part of the requirements? here are the docs i've now received from AK can i still dispute this with them and specify the missing 'rights to cancel' as my reasons? letter from AK Copy of Egg CCA part 1 Copy of Egg
  9. Sometime ago I queried my Egg loan that I was repaying via their Debt division Cap Quest. And after a long time waiting I did eventually receive a copy of a my CCA but it wasn't 'properly executed' with all the prescribed terms, so i replied stating such and didn't hear a dicky bird until last week (almost a year). The debt has now been purchased by Aktiv Kapital and I have requested a copy of the CCA again from them, but how do i stand now? AK have said (verbally on the phone) that the original agreement doesn't matter any more and they were desperate to get me to pay a toke
  10. but that OFT ruling states: it's that last bit i'm worried about (passing info to debt collector)
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