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Reepo

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Everything posted by Reepo

  1. Thanks for the very detailed reply Hippo , more than appreciated . I think I will wait for the 12 days to finish then send "in dispute" letter to the DCA as much as a delaying tactic than any , I have no doubts I will be sending a SAR to egg in the very near future as had a PPI issue with them a few years ago before I knew about places like CAG , they fobbed me off and just said the matter was finished with. I now know all that all of my 5 CCA requests have been delivered so might be a busy few weeks coming up . Hasn't stopped Aktiv Kapital phoning my mobile 22 times and RobinWay 9 times in 4
  2. Received first reply out of 5 hopefuls and it happened to be from ARC re: Egg CC , from what i can find other in other threads its there standard letter basically saying contact Egg for a CCA not us , they returned £1 P/O aswell In the CCA it clearly says " 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
  3. Received first reply out of 5 hopefuls and it happened to be from ARC re: Egg CC , from what i can find other in other threads its there standard letter basically saying contact Egg for a CCA not us , they returned £1 P/O aswell In the CCA it clearly says " 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 agre
  4. Subbing - Just had my P/O back from ARC aswell , is it an Egg CC ?
  5. Best nights sleep for ages and havent even got started, I guess asking for help really is the first stage. Searched like crazy this morning and found that the P/O should be payable to the DCA for now. Can't find anything regarding where to address it from so will just put "C/O" the address the DCA's all write to Off to Post Office to really start the process and start my 12+2 wait , will post again then , more reading time I guess Thx CAG
  6. Apologies for rating my thread , only joined today . Can a Mod remove if possible Have letters,envelopes and P/O's ready to go , would be grateful for guidance on my two questions above Thx in advance
  7. Thx for warm wlecome and fast response , picked up 5 PO's earlier in anticipation , 2 quick questions if possible . 1.Shall i send C/O address they write to or from the property I actually own as everything is sent to parents address from all DCA's? 2.Are the P/O made payable to the DCA? Thx in advance
  8. Finally took the plunge to join and ask for guidance after many days of reading that have opened my eyes wider than ever before but at times also left me confused. Never been one to ask for help but I guess everyone admits defeat sometime in there life. Arough outline of my situation : Fell into financial difficulty about 3 years ago after a couple of clients knocked me for large sums of money and being a self employed (sole trader) construction worker , thats game over for many. Have struggled and fought my way to where I am today which is as follows Credit Card MBNA/Virgin £12k
  9. Finally plucked up the courage to join and try to get some things sorted , although I have been reading for many days . All my issues are with DCA's so I'm off to post there and hope for a little guidance on where to begin. Cant believe the companies who have been haunting me are mentioned so many times. A truely amazing site and possibly a life saver Regards :D:D
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