I'm not sure what the definition of terminated is or whether mine was, it was being handled by CCCS originally some 8 years ago, the following link explains in a bit more detail the history. http://www.consumeractiongroup.co.uk/forum/general-debt-issues/231883-egg-debt-has-been.html#post2569781

I have received another letter today which says We regret that you have chosen not to contact Apex credit management despite our previous communication endeavouring to assist you in coming to a satisfactory arrangement to settle this account. Given your refusal to discuss this matter over the telephone and or make appropriate payments, we have now decided to assess your account for suitability to be passed to our 'doorstep' collection agent who may visit your home to discuss repayment of the debt.

Thanks for your reply, do you think I need to send them a letter to say the account is in dispute?

I received a letter today that says, TAKE NOTICE - Unless you make payment on this debt within 10 days Legal Action may be taken against you or the property. Information about POTENTIAL Legal Action County Court Judgement - We may apply to the courts for a CCJ against you. Once this is obtained it will remain on your personal credit file for 6 years and declares that you are liable to pay the outstanding debt. Warrant of Execution - A Court Enforcement Officer (Bailiff) wili be assigned to attend your address and remove goods from your property to the value of the outstanding debt. Attachment of Earnings - A Court Order wili aliow us to apply direct to your employer and take money from your salary before it is paid to you. Charging Order - The total outstanding debt wili be secured against your property. Please take note that all of the above legal action will result in additional costs and fees being levied to your account. If you are unable to pay your account in full please contact us immediately on 0871 244 2812 I am not sure what to do now, I have requested a CCA and have posted the response letters to this earlier in the thread, I am not making any payments and I have not sent an account in dispute letter, I don't even know where I would get one or what to write!! Getting to the point where I might pay one of those Companies to do all of this for me. :o( Your help would be most appreciated. Thanks

Can anyone help??

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Hi, APEX have now contacted me again and I need some help what to do next, letters are attached. Also for info I had agreed with EGG that my interest would be frozen, the screen dump shows that it had not and they have actually still been charging me! also the balance on the APEX letter is £800 more than the balance on the screen dump which I stopped paying 4 months ago. Getting really stressed out about this now and would really appreciate some help. Thanks.

Do you have any of the letter templates? I would like to do the same with my egg loan which had over £1600 in interest charges whilst I was paying a good amount each month through a dmp £47 per month for over 4 years, whats the best way to go about it? I'm happy to keep paying I pay £56 a month now but want the balance to reflect the true debt without this interest.

Sorry to be dumb but can somebody please tell me what the standard cca request is?

Approx 8 years ago i had a large number of debts with different debtors, and started a DMP with CCCS, CCCS calculated the money i could afford to repay my debt and this was equally distributed to the debtors, at this point CCCS informed me that the interest had been frozen and i was paying a fixed sum to them for approx 4 years and received a monthly statements showing me balnce decreasing each month, after this 4 years had passed my balance was less than £20,000 and i remortgaged my house to to raise the £20,000 but when i phoned the debtors many of them had not frozen the interest and i then owed more than the original balance shown on my CCCS statements. I have paid some of them off but my Egg CC and Loan as an example are more now than they were before I started the DMP, can I do anything about this? Any help would be greatly apprieicated

Thanks that's useful, can you please confirm what the standard s78(1) request is? is there a template I could use? I'm going to go ahead and do the same.

Where is the thread, I would like to read that.

Thank you for your reply, can I ask which letters you sent to Apex and Egg? Do you have a template or is the one in my post above OK? Thanks in advance

Thanks for your replies however reading more on this site has got me confused. The is a thread that says not to send off for a CCA via the section 78 route but to do it to the Civil Procedure Rules ( Pre action protocols and Part 31.16) but as I am not sending it to Egg I dont know what to write. I had found a section 78 letter that included the following "If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties." do I need to include something like this in the letter below which is the Civil Procedure Rules ( Pre action protocols and Part 31.16) letter. Any help would be greatly apprieciated, i am completely lost. Dear Sirs Account number I write with regards to the above account with your organisation. I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed.Additionally i require the underwriting sheet or other document showing any commissions paid to you by the broker or by you to the broker (If you have any other reasons why you need the agreement such as misselling of PPI Add it here) obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement. I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document. I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides I look forward to your reply and wouyld ask for a response by 4pm on XXXX Date ( Give 21 days to respond) Regards xxxxxxxxxxx

Please help me, my Egg CC debt has been sold to Apex Credit Management and I want to send them a letter requesting the original signed agreement, can I use this letter? I was going to send a section 78 letter but saw this thread, the letter i was going to send however did say "If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties." do I need to include something like this in this letter as it is not the original company that I had the agreement with? Any help would be greatly apprieciated, i am completely new to this. Dear Sirs Account number I write with regards to the above account with your organisation. I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed.Additionally i require the underwriting sheet or other document showing any commissions paid to you by the broker or by you to the broker (If you have any other reasons why you need the agreement such as misselling of PPI Add it here) obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement. I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document. I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides I look forward to your reply and wouyld ask for a response by 4pm on XXXX Date ( Give 21 days to respond) Regards xxxxxxxxxxx

I have read all of this thread with interest and wish you luck with your case, I was really disappointed when I I got to the end of the post, even worse than when series 5 of LOST finished and I knew i had to wait months for it to start again, as I said I wish you luck and only hope I can be as organised with my cases as you seem to be.

Hi, this is a long story so i appoligise in advance. Approx 8 years ago i had a large number of debts with different debtors, and started a DMP with CCCS, CCCS calculated the money i could afford to repay my debt and this was equally distributed to the debtors, at this point CCCS informed me that the interest had been frozen and i was paying a fixed sum to them for approx 4 years and received a monthly statements showing me balnce decreasing each month, after this 4 years had passed my balance was less than £20,000 and i remortgaged my house to to raise the £20,000 but when i phoned the debtors many of them had not frozen the interest and i then owed more than the original balance shown on my CCCS statements. I managed to negoiate with some of them to accept a payment in full and final payment, excuse me if this isn't the correct term, and was left with an egg loan, an egg credit card and a NatWest credit card. I have been paying these direct to the companies and have not used CCCS, i was not happy with them as you can imagine. NatWest have been fine, i sent them a break down of my expenditure etc, agreed a fixed fee and have been paying that for approx 3 years, i have not been chased and recieve a statement each month showing my payment and my balance decreasing. egg on the other hand have not been so good to deal with, they did agree to freeze the interest when I contacted them direct but told me that they could not remove the interest charge over the previous 4 years or so, then about 12 months they sold my debt to a debt collection agency, when i phoned them to ask why they told me i had not sent an update of my expenditure so they had sold the debt, they agreed to take it back and honer the agreement if I increased my monthly payment, so i agreed to pay an additional £10 per month. This week i have received a letter from apex credit management which reads as follows. Dear Egg banking plc Account number: -------- Balance:£3,945.05 With reference to your above mentioned account with Egg, please accept this letter as official notification that Apex Credit Management Ltd has purchased your account and all rights, interest and claims in respect of all amounts outstanding on this account as of 9th September 2009 have been assigned to Apex Collections Limited. Your account became active with Apex Credit Management ltd on 6 November 2009 and therefore all future discussions regarding the repayment of this debt must be directly with Apex Credit Management Ltd. Apex Credit Management Ltd is now the data controller of your personal data contained within the records of this account. Your personal data will be used for the purposes of collecting the outstanding balance from you and may also be combined with other data which may be obtained from third parties where we need to verify or supplement such data. We are aware that you already have an existing arrangement with Egg, it is therefore imperative that you contact one of our telephone negotiators, on 0871 224 2812 to update your details in order for us to set up a new arrangement with ourselves. Alternatively you may administer your account online at https://myapexcm.co.uk/ using your Apex reference number. Thank you in anticipation of your assistance. Yours Sincerely, Rob Franklin Collections Manager. I am really dispondent now, i hate the whole having to justify my expenditure and just want it all to go away, I was paying every month without fail but that was not good enough. :o( Can anyone please help? I have read that the debt may unforcable because it was taken out before a certain date, I really dont have a clue what to do and although I have seen some templates on here i'm not sure which ones are applicable to my situation. any help would be greatly appriecated. thank you in advance.

Thank you Jet83, does anyone know where I stand with the interest that was accruing when I was told by CCCS that it had been frozen?? I have found out today that my Egg loan balance is £7,634.76 so want to send them the same letter? Also the Natwest CC balance is £3,200. Therefore when I thought £20k would clear it all accoring to CCCS I still have £14k of debt. :o(

I received the same text and letters also. I started a post before coming across this one http://www.consumeractiongroup.co.uk/forum/general-debt-issues/231883-egg-debt-has-been.html#post2569781 :0(

Hi, this is a long story so i appoligise in advance. Approx 8 years ago i had a large number of debts with different debtors, and started a DMP with CCCS, CCCS calculated the money i could afford to repay my debt and this was equally distributed to the debtors, at this point CCCS informed me that the interest had been frozen and i was paying a fixed sum to them for approx 4 years and received a monthly statements showing me balnce decreasing each month, after this 4 years had passed my balance was less than £20,000 and i remortgaged my house to to raise the £20,000 but when i phoned the debtors many of them had not frozen the interest and i then owed more than the original balance shown on my CCCS statements. I managed to negoiate with some of them to accept a payment in full and final payment, excuse me if this isn't the correct term, and was left with an egg loan, an egg credit card and a natwest credit card. I have been paying these direct to the companies and have not used CCCS, i was not happy with them as you can imagine. Natwest have been fine, i sent them a break down of my expenditure etc, agreed a fixed fee and have been paying that for approx 3 years, i have not been chased and recieve a statement each month showing my payment and my balance decreasing. egg on the other hand have not been so good to deal with, they did agree to freeze the interest when I contacted them direct but told me that they could not remove the interest charge over the previous 4 years or so, then about 12 months they sold my debt to a debt collection agency, when i phoned them to ask why they told me i had not sent an update of my expenditure so they had sold the debt, they agreed to take it back and honer the agreement if I increased my monthly payment, so i agreed to pay an additional £10 per month. This week i have received a letter from apex credit management which reads as follows. Dear Egg banking plc Account number: -------- Balance:£3,945.05 With reference to your above mentioned account with Egg, please accept this letter as official notification that Apex Credit Management Ltd has purchased your account and all rights, interest and claims in respect of all amounts outstanding on this account as of 9th September 2009 have been assigned to Apex Collections Limited. Your account became active with Apex Credit Management ltd on 6 November 2009 and therefore all future discussions regarding the repayment of this debt must be directly with Apex Credit Management Ltd. Apex Credit Management Ltd is now the data controller of your personal data contained within the records of this account. Your personal data will be used for the purposes of collecting the outstanding balance from you and may also be combined with other data which may be obtained from third parties where we need to verify or supplement such data. We are aware that you already have an existing arrangement with Egg, it is therefore imperative that you contact one of our telephone negotiators, on 0871 224 2812 to update your details in order for us to set up a new arrangement with ourselves. Alternatively you may administer your account online at https://myapexcm.co.uk/ using your Apex reference number. Thank you in anticipation of your assistance. Yours Sincerely, Rob Franklin Collections Manager. I am really dispondent now, i hate the whole having to justify my expenditure and just want it all to go away, I was paying every month without fail but that was not good enough. :o( Can anyone please help? I have read that the debt may unforcable because it was taken out before a certain date, I really dont have a clue what to do and although I have seen some templates on here i'm not sure which ones are applicable to my situation. any help would be greatly appriecated. thank you in advance.