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CITIZEN.XYZ

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  1. Oh thanks dx100uk - that's great. Thanks for all of your help.
  2. Hi dx100uk (again) Thanks for the reply. If you're right, then that is an absolute load off my mind. I will send the SAR to EGG (I am struggling to find their current registered office because they have morphed identity so may times, but that's my problem). When I have read all the info gleaned from this site pertaining to it, I will send. At some point in the future I will come back and tell you guys what the outcome was. Cheers for now Eternally grateful CITIZEN.XYZ
  3. Hi again First let me say that at the time all this was happening, I was in a bit of a daze with all the other issues I had going on in my life. However, I do seem to recall that the judge said something about interest being added to the balance and added that it would be capped at some legally binding maximum (whatever was applicable at the time he said that). I didn't quite get what he meant at the time, but assumed that all would become clearer when I had some sort of official summary of the case come to me through the post. But that never did happen (the summary, I mean). In my mind, it was put on the back burner because I had a lot of other problems to cope with at that time. So, in a way, I am guessing... but the judge did mention interest. That's all I know... all I am worried about is that if I ever come (or have to) sell the house in the future, that after my crippling mortgage has been deducted, then a huge surprise in the form of a ridiculous EGG debt that has grown into a monster I'm sure you get the scenario.
  4. Thanks. Shall I just keep quiet about the interest then? Or will all become apparent when EGG respond to the SAR?
  5. Thank you dx100uk You have clarified a hell of a lot for me. I will of course be making a donation to the site to show my appreciation. There is only one thing troubling me now - that is interest being added to the debt balance. Is there any way of checking this or even freezing it? I seem to recall the judge saying they were allowed to charge interest but in accordance with some rule (I cannot recall what it was though).
  6. Thanks for such a rapid response. The whole notion of SAR is a new one on me - I am still trying to digest it from the links you gave. I get that it is some sort of legally upheld data request that I would be making on them, but what EGG address do you suggest? The head office or their registered office? Even so, are you saying that there is a chance I can get the charge removed altogether? And if so, do I ask the Land Registry to remove it? Sorry for being so dumb
  7. Hi again dx100uk I had composed this for you before I read your latest reply. But I will send it anyway, because it might make more sense to your logical mind... I have gathered together a few more facts and also straightened out what advice I am in need of… It goes without saying that during the run up to the repayment defaults, I was keeping creditors informed and making written offers of reduced repayments. In the main, all were ignored. Now specifically relating to EGG Bank (Visa credit card), my initial anger was by the fact that a court decision was made in Bradford (an enormous distance from my residence) without my attendance and without my knowledge of any summons to attend a court. I knew nothing. Later, this resulted in me having to attend a court closer to my home to witness the Interim Charging Order being made final. I say witness, because my side of events was not really listened to any meaningful way. Even though EGG Bank (whom was apparently being represented by Bryan Carter Solicitors) did not attend. And yes, the case was listed as Egg Banking plc vs. me. The Judge accepted the terms of payment of £10 p.c.m with a review in 6 months. I was told to arrange the payment, and then do nothing and it would be the responsibility of Egg Banking plc to instigate a review in 6 months. This was in 2011. I did think at the time that it was unfair on my wife having a charge put on the house when she is a joint owner of, whilst the credit card in question was mine. At time of all these events, I admit that I was in a bit of a daze and quite frankly felt like a broken man. In retrospect, I cannot recall having received any official documentation regarding this Charging Order. This is why I cannot answer your question about what it says on it. All I know is that I made arrangements with Bryan Carter Solicitors to make repayments to them via a standing order. I maintained it for several years, and then had to cancel it through hardship. Now to the present day, I have become worried about what has happened to this during the hiatus. I checked with the Land Registry and the only reference to the charge on my home is: (17.03.2011) RESTRICTION: No disposition of the registered estate, other than a disposition by the proprietor of any registered charge registered before the entry of this restriction, is to be registered without a certificate signed by the applicant for registration or their conveyancer that written notice of the disposition was given to Egg Banking Plc (Co. Regn. No. 2999842) at Floor 9, Tolworth Tower, Ewell Road, Surbiton KT6 7EL, being the person with the benefit of an interim charging order on the beneficial interest of “MY NAME HERE” made by the Bradford County Court on 7 March 2011 (Court reference ********). I am trying to pick up the pieces and resume repayments. I can argue the toss at a later stage of the validity of this engineered situation and its validity, all I want is to reinstate repayments at this juncture. First I need to know: 1) Who do I approach to reinstate the repayments? 2) What has happened to the repayments I have already made to Bryan Carter Solicitors? 3) How do I get a statement of the debt and from whom? (i.e. how much was the debt? After the repayments I have made, how much has it been reduced by? How much interest has been added on in the interim?) I hope all this makes the situation a bit clearer. Any advice is welcomed. Although I will be taking your previous reply on-board (just read it)
  8. Dear dx100uk Many thanks for still taking an interest. I apologise for my less than rapid responses (I have been tied up at work)... In answer to your question - No the house is jointly owned between my wife and I. I really need to clarify my exact position to you (which I will try and do in a response later tonight) - I don't think that I have made a very good debut opening post (it does seem a bit disjointed). I will try and rectify that later with clearer information. I do appreciate you taking an interest, as I am really befuddled with the entire mess I have got in.
  9. Hi dx100uk Thanks for replying so soon. You raise some interesting points that I had not thought of. I will do some research into my files, although I cannot recall ever getting an actual copy of the charge (or any result from the court). I will check and get back to you though... I'm a bit confused about the "address comment" - I have lived at my address for 35 years now. What did you mean? I will have to check out what documentation I have got. I know I never had the original court summons to attend Bradford though! I will come back with more info.
  10. Forgive my Sherlock Holmes type topic header… I am in desperate need of some advice from you good people in this forum, as I have now hit a metaphorical brick wall. Some years ago I had an EGG credit card. The card had been used and in operation for about five and half years, during this time there had been no missed repayments. Then during mid 2009, the minimum repayments were inexplicably increased by around 50%. At the time it seemed that they were almost trying to engineer a default. I am self-employed and business wasn’t doing so well, so in May 2009 I wrote to EGG and explained this and made reduced repayment proposals to service the debt. I had no responses. After many unsuccessful attempts to contact them and elicit a response, I defaulted on the debt. In December of 2009 I received a letter from Fredrickson claiming that I had failed to make a repayment proposal (although I had done so on many occasions, plus sent them all by recorded post). Then, all went quiet for a long period of time… The first I knew of any sort of problem was when I received a CCJ "Judgment By Default" through the post in 2011. I was totally unaware that there had been a court summons issued to attend Bradford County Court. Not knowing about this, coupled with the fact that Bradford is nowhere near where I live, I missed it all. I then took it to my local court whereby Bryan Carter Solicitors became involved (representing Egg). The judge made the Interim Charging Order final and accepted my proposed terms of payment. Curiously, Bryan Carter Solicitors did not show up at the court, which did annoy the judge, but the rule of losing your case by non-attendance didn’t seem to apply to them – which in itself is bizarre and unfair. The upshot of all this is that I made arrangements to make repayments every calendar month to Bryan Carter Solicitors and this remained in place. I continued to pay this for the next two and a half years. After this time, my self-employed business hit further hard times and I had to cancel the repayments. This was a decision I did not take lightly, but I simply had to stop due to hardship. I informed Bryan Carter, but no response was received. Life carried on and I was (and still am) rebuilding my self-employed business. Recently, I decided that I wanted to resume the repayment plan and reinstate the standing order. On August 10 of this year, I sent a recorded “signed for” letter to Bryan Carter Solicitors requesting them for a statement of the account and asking if their standing order details are still valid. I even asked if they were still overseeing the Egg debt. I heard nothing back from my letter, despite knowing that it had been signed for on 14 August. I then came across articles on the Internet stating that Bryan Carter Solicitors had been dissolved. I am now very concerned for many reasons: During the time of I have been making repayments to Bryan Carter, I have never received a statement (or acknowledgement of monies received) What has been happening to my money? Who has got it? I am still confused how an unsecured credit card debt can find its way to morphing into a charge against my property, but it has happened. Having said that – how do I go about repaying this debt back (and to whom?) or getting rid of the charge against my property? Whom do I have to contact to get things moving again? Somehow, I feel that the finance industry has pulled a few stokes here and reverted to type. I just do not know which way to turn. The original credit card debt was around £8,000. It somehow reached over £9,000 during the court debacle – God knows what has being going on with this debt amount behind the scenes during this hiatus. This is why I need… HELP!!! CITIZEN XYZ
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