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Mitch524

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About Mitch524

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  1. RMA have sent me a letter asking for me to contact them as they are willing to offer me a discounted settlement. What should I expect and if anything should I send them a figure I would be willing to pay to settle ?
  2. Hi Guys, I have had a dispute with Egg since November 2009. Received the following from them recently. Default Notice dated 2nd July and posted 2nd class. It has a settlement date of the 30th for arrears and overlimit amount at best I would have received letter on the 5th as the 2nd was a Friday. Am I right in thinking that they then haven't given me the full 28 days ? Now received termination dated 2nd August also sent 2nd class.
  3. Hi Guys, I have had a dispute with Egg since November 2009. Received the following from them recently. Default Notice dated 2nd July and posted 2nd class. It has a settlement date of the 30th for arrears and overlimit amount at best I would have received letter on the 5th as the 2nd was a Friday. Am I right in thinking that they then haven't given me the full 28 days ? Now received termination dated 2nd August also sent 2nd class.
  4. Default Notice dated 2nd July and posted 2nd class. It has a settlement date of the 30th for arrears and overlimit amount at best I would have received letter on the 5th as the 2nd was a Friday. Am I right in thinking that they then haven't given me the full 28 days ? Now received termination dated 2nd August also sent 2nd class.
  5. Cheers cerberusalert. On it today.
  6. An update to where I am with theses guys. Received a calling card from a DCA in Glasgow a bit close for comfort. However letter going out asking if they have the required documentation i.e Compliant CCA and a letter of assignment from MBNA. They will also receive a doorstep visit letter. Any thoughts ?
  7. An update to where I am with theses guys. Received a calling card from a DCA in Glasgow a bit close for comfort. However letter going out asking if they have the required documentation i.e Compliant CCA and a letter of assignment from MBNA. They will also receive a doorstep visit letter. Any thoughts ?
  8. Any advice on post #41 would be greatly appreciated thanks.
  9. Attached pdf is the latest from Egg. Previous to that I received a letter from them claiming that even though I sent a letter to them re doorstep visits they would still instruct these to take place. Am I right in saying they are wrong, below is the letter I sent them. Dear Sir/Madam Account number - The above stated account is currently in dispute and will continue to be in dispute until Egg and myself can agree to the terms that have been set out in the dispute. Until this agreement has been reached you and any representatives instructed by yourselves are acting unlawfully and this will be highlighted to the relevant bodies. Please be advised that I will only communicate with you in writing. I have noted your previous attempts to contact me by telephone over the last few months and these have been duly logged by time and date. On Friday 23rd April a Representative of yours called at my home without invitation or appointment. This was also before I actually received a letter from yourselves with details of this threat. Furthermore should it be your intention to arrange further “doorstep calls”, please be advised under OFT rules, you can only visit me at my home if you make an appointment and I have no intention of making an appointment with you. There is only an implied license under Scots Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc. Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you attempt to send a collector to my home, you will also be reported for harassment and I shall seek damages for a delict of trespass. You would also be liable for conspiring in a delict of trespass by acting is defiance of my instructions and sending someone to visit me nevertheless. Should it be necessary, I will obtain an interdict from the Court to prevent you carrying out your threat. Any further actions taken by Egg to collect the alleged debt whilst it is under dispute will be vigorously defended. I am also aware of the law regarding harassment of creditors under these circumstances and will use UK law to defend myself. I look forward to receiving a satisfactory response. Yours faithfully Egg Default 1.pdf Egg Default 2.pdf
  10. This came from Risk Management Alternatives today. Will send off Doorstep letter and letter asking if they have a valid CCA in order for them to carry out their threats as stated. RMA.pdf
  11. Hi Slick, I believe it's for the current arrears. "Please note a copy of your current Barclaycard Credit Agreement will be sent under separate Cover." This was on the last letter from Barclaycard dated 29th April I'm still waiting.
  12. This is what Calders sent. http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=18605&stc=1&d=1274874041 Calders 1.pdf
  13. Received letter from Calders today demanding payment in 7 days. Sent 2nd class and no due date recorded. Is this faulty ? Plus B/C can't pass this to Debt Recovery unless they have sent me a final response is this correct ?
  14. Should I send a similar reply to Dotty50's to Barclaycard ?
  15. Probably. Still need to SAR them. Can I challenge them on there near 6 month delay on replying to my request and still Dispute the account due to the information that I requested not being sent ?
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