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 ?

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.

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.

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.

Cheers cerberusalert. On it today.

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 ?

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 ?

Any advice on post #41 would be greatly appreciated thanks.

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

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

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.

This is what Calders sent. http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=18605&stc=1&d=1274874041 Calders 1.pdf

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 ?

Should I send a similar reply to Dotty50's to Barclaycard ?

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 ?

Default notices sent from Credit Card Agencies. The letter from Egg doesn't state anywhere about termination. SFU any suggestions to put Egg on the back foot re the letter I received on 25th Febuary as detailed in previous post. Thanks.

Sent CCA request on 6th November 2009 and followed up wit Dispute Letter on 27th November 2009. From previous post it shows how Barclays have dealt with the request. Received letter from them dated 29th April as follows. Reference : Section 78 of the Consumer Credit Act 1974 I write further to your letter requesting a copy of your executed agreement for the above account. The information we must provide to you under the terms of section 78 is prescribed by the Consumer Credit Act 1974 and by the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. Under Section 78, we must supply you with a copy of your executed agreement and a statement of account which is practicable to refer. The current credit limit on your account is £******** The current balance on your account today is £******* The next minimum payment of £********* is due on 14/05/10. Please note a copy of your current Barclaycard Credit Agreement will be sent under separate Cover. You will be receiving your next statement shortly which will provide you with full details of your account. With reference to the Civil Procedure Rules (the "CPR"). We have provided you with sufficient information to allow you to understand our position. The CPR does not confer an automatic entitlement to documents before proceedings start. CPR 31.16 provides that a party may apply to the court for pre-action disclosure in certain limited circumstances, which do not apply here. The application must be supported by evidence - and the usual order is for the applicant to pay the costs of the application, including the respondent's costs, together with the respondent's costs of complying with any order that is made as a result (CPR 48.1 (2)). While there is no formal obligation on our part to provide documentation in answer to Validation of Debt correspondence, we have undertaken steps to provide you with the contractual terms under which you financial obligations arise and a statement of account. I an fully satisfied that the sum outstanding by you remains legally due and payable. You should continue to repay the outstanding balance owed on your account in accordance with the terms of your credit agreement. If you do not, we may register a default against you with credit reference agencies, although we will formally notify you before doing so. This complies with our obligation to you under section 78 of the Consumer Credit Act 1974. With them now acknowledging the fact that they received this request does this now show that they have been acting unlawfully by continuing to charge interest on the account and passing this to Mercers ? Other than the cover letter all I was provided with was three sheets of T&C's with no signatures of mine or theirs. Thoughts anyone ?

The most recent letter received from Egg states that they have withdrawn my card. This is strange as when they were going to hike up the interest I was given the option of having the use of the card withdrawn which I accepted and this was done back in November 2009 just prior to me sending off the CCA request.

Thanks again SFU for your help looking through your threads it looks as if your agreement is the exact same as mine and I suppose many others. I have let things slip re the offensive against Egg therefore the situation re doorstep visit. The last letter I sent them was the account in dispute letter on the grounds of "Approved Limit". Due to the current situation I'm now going to renew my efforts and go after these guys. Due to your experience could you point me in the direction of next course of action and possibly a letter template to send them in response to their claim that they are within their rights to use the "Approved Limit" wording in their agreements. Thanks Again.

SFU re above I found it through your thread thanks.

What page ?

SFU could you point me in the right direction re best letter to send to Egg to put a stop to door step visits. Thanks.

Received doorstep visit from an Egg (Resolvecall) representative today. When asked if I was who they were looking for I asked them who wanted to know. They said 'me' so I asked them what it was for and they told me Egg had sent them. I then told them that they were at the wrong house and shut the door. They just left. Wasn't prepared for that today at all but managed to fob them off without much fuss. Now need to get doorstep visit letters printed and ready. This comes on the back of a letter from Egg the other day telling me my Egg card had been withdrawn and to cut up non-expired cards and return them. Just received the post and got a letter that explains the doorstep visit. A bit of locking the door after the horse has bolted. Should I send Resolvecall the doors step visit letter along with a copy of the account in dispute letter ? Any input is greatly appreciated.

So in effect they can hassle me at work and there ain't much I can do about it ? CDCO9100058

thanks cerberusalert, Is there a course of action to take to get this to stop ? Do I contact fos or oft or both ? Thanks.