bump Any help on the way to tackle the ccj granted forthwith and ppi issue greatly appreciated - how do i proceed to set aside and/or redeterimination!

I am being chased by DLC over Egg Credit Card Debts and have been advised to cca Egg. Have sent EGG cca today but should i also SAR them? In the meantime DLC keep ringing and asking for payments and i and e form and threatenibg other methods of contact should i not reply to their phone calls, which i'm worried may be doorstep collector etc - what should i say to DLC when they ring again tonight? Urgent advice as to what i should or shouldn't say tonight required!!

Hi I have split up my situation in to 3 threads and urgently need advice re the nationwide ccj forthwith that has beeen granted and for which i had ppi. Am nervously anticipating bailiffs and or further action so really need to know what legal steps i take to dispute the amount/ppi have the ccj sert aside or arrange a review of the forthwith amount. The ccj was issued by default. I am pretty sure from memory - tho it was 10 years ago, that i did not request ppi, but that it was sold over the phone at a later date. I can not find all the letters so can not say for sure if i received all in the correct action. Urgent advice needed on how to proceed or what to send to the courts please Many Thanks

Hi, Is it ok to add my EGG/DLC situation to this thead? My position is that i have just sent cca letter to EGG, and DLC are calling to try and arrange payments - what do i tell DLC? Secondly - should i also SAR EGG ? Many thanks

Can anyone give me some advice on the ppi re the recent forthwith ccj or the dlc call i will be receiving re. the egg cards? - Getting desperate!

Can anyone give any advice on the forthwith ccj granted to Nationwide - and the situation with ppi - what should i be doing to achieve the setaside/redetermination etc? I will be receiving a call from dlc this week re the egg agreements - what do i say to them on the basis that i have made a cca request? - they are obviously going to be pushing for some form a of payment and i am anticipating they will initiate court proceedings if i don't make an arrangement? I am still not clear wether they or egg own the debt - can i just ask them outright - and if it is still egg - refer them to the cca request. Any help greatly appreciated Thanks

Thanks for the replies: Diamondgirl: Have completed the BoS acknowledgement online today How would i know if the dca, dlc, have bought the debt - do i simply ask them? Babybear: The ccj is dated 15/12/2009 and is from Cardiff County Court Thanks for your continued help all!

Thanks, i look forward to hearing from someone on the ppi side as having just received the ccj this is causing the most worry now. Do i have to respond requesting the set aside on this basis within a certain time? Re. the egg card, made a payment last week to keep dlc happy. Should i send the cca to the dca, dlc, or to egg directly? (or both?) From memory i havent made a payment to BoS for about 3 months now. Many thanks

I'm afraid i have made no requests yet, presumably i should do so now for all? (Despite the fact that the ccj forthwith is already registered by nationwide?) I'll fill in the online court reply today re. BoS Many thanks for the quick response

First post on here and desperate to know how best to start tackling the following - i'm afraid i have been guilty of burying my head in the sand but things are spiraling out of control - total debts of 40k and this is the situation with each: 1. Nationwide Credit Card: ccj forthwith granted for full amount of 11k on Eversheds demanding full payment. How do i proceed here, the agreement is over 10 years old, and i paid ppi all that time - should i challenge enforceability, ask for ppi premiums to be deducted, ask for time to pay, try to set-aside, ask for re-determination etc - i'm sure a charging order is likely to follow? 2. Egg Card: 2 cards totalling 15k, both several years old - being chased by dlc who have given me until 09/01 before they take further action - presumably filing for ccj. Should i challenge enforceability etc 3. Bank Of Scotland: Court papers recieved dated 11/12, amount 15k - need to respond by tomorrow - this is re. a personal loan agreement - do i ask for 28 days and defend, admit and ask for time to pay? Desperate for advice - i'm afraid it is a familiar story, lost my job late 2008, out of work for a time, new job pays much less than previous, i'm at my wits end here, but willing to do whatever it takes so any advice on the priority and actions i should take greatly received!