I have paid the money I owe as I don't want to end up paying more court fees when this is contested in court with the possibility i may lose. Do I have the option to recoup some money from Egg for the points raised above? There was payment protection according to my statements on my Egg credit card statements they sent me. It was a joint decision to pay as my wife is not happy with the situation and does not like to have to worry about court action with a baby to look after. Now we have to pay back family instead of Arrow and not have to worry about CCj and possible charging order.

If I pay off the full amount in the next couple of days will I still get a CCJ? It is nice how I was advised not to pay anything by members here saying I am a long way from court action however now i am having to borrow money off family to avoid CCj.

I received 380 pages worth of documents from Egg last week from my SAR request however came home to a claim form from Northampton County Court. What do I do now? Can I still pay small amounts a month and avoid a CCj or is this a CCj already? Looks like their threats weren't empty and i feel like im in a whole heap of poo.

okay, I will upload the SAR when it arrives. Hope I dont get taken to court in the meantime. Thanks for your promt replies.

The were supposed to issue court proceedings on the 6th of September. The only thing that stopped them was my offer of £10 a month which they said they will accept for 6 months. I just dont want to go to court and get a CCJ

SAR was sent off just under a week ago. Since 2005 I have been paying off £10 a month then £15 and then £20 for the past couple of years. I know the interest was frozen back in 2005 as I had the CAB help me do that. It is nearly the 1st of the month and Restons expect £10 off me. What should I do now? The SAR has not come back yet? Thanks

Sorry I thought I had to remove all numbers. Arrow are claiming I owe just over 4200 and I did read the original cca and did not find any signs of ppi. What do I say to restons solicitors? do I have no choice but to enter a repayment plan? Thanks

had no choice but to refinance to buy myself some time so I can pay the loan whilst looking for a part time job.

I have sard egg but they have returned the letter as my address has changed thus I need to resend with proof of new address.

Please find PDF attached as advised. Please instruct how to act as my deadline of 1st of october for payment submission to Restons is looming. Thank you

Ho might I do that? take a photo and attach?

I have a copy of the original CCA sent to me from Arrow global. Please help with how to respond now. Arrow global have stated they will only send me the CCA but all future correspondence should be sent to Restons.

I have found the original loan agreement now. The application was over the phone and I do remember agreeing to protection if I lost my job and couldn't keep up repayments as the money was leaving my account each month sometimes before my relatives DD would reach my account. I was 19 at the time and a full time student in part time work. thought it prudent to get the insurance incase either of us could not pay. I also had an Egg credit card but do not remember if I had PPi on that. Can anyone confirm whether this is the right address to SAR Egg please? Egg Customer Relations Office Canada Square Operations PO Box 4903 Worthing BR99 3AR Thank you

At the moment Restons have sent back my postal order and letter for CCA request saying they dont have it and I should contact the original creditor. I have now drafted my SAR to send to Egg and CCA request to Arrow. I will be in touch as soon as they respond. Thank you all for putting my mind at ease

Unfortunately I had not realised talking to Restons and Arrow would work against me. Can you please explain how? I am a little bit puzzled. The loan was taken out back in 2004 I think and passed around a variety of DCA. I fear if I stop or do not pay by october first they will take me to court and seek charging order. I cant afford to lose my home with a 6 week old baby here now. Thanks