Scampjet: Moorcroft and egg

[jumpjet]

Hi all,

 

I have been Initially paying Egg via my DMP and then Moorcroft. Sometime ago, I wrote to egg to reclaim charges of £225 and basically they refused and only offered £16. I did not persue this the court as the initial outlay has been more that I could afford. At the time I reieved my S.A.R - (Subject Access Request) details they did not supply all statements as they could not be found. Nor did they let me know if there had been any charges on those statements.

 

Moorcroft sent me a letter to tell me I has not kept up the payments as agreed and that Because I was ingoring them they had referred the account to thier home collections division.

 

We have always answered their letters, and although the payments are not what they would like, they have been recieving them monthly.

 

I wrote to them and included a CCA request.

 

This is their reply:

 

 

 

It would seem that I am supposed to forwarn them of my intentions!

img014.pdf

[sillygirl1]

That letter should go to Trading Standards, they are not supposed to intimidate you in that way - how do you know at this early stage what you might do 3 - 6 months down the line.

 

Report them and see what happens.

[jumpjet]

The CCA was due today but I got this instead. I am wondering why they would ask this. Surely by sending this instead of the Agreement they have put themselves in default!

[Sidewinder]

Standard stalling tactics (and yet another standard letter) from this company. You have CCA'd them and don't have to provide any further information whatsoever. If you feel so inclined, then perhaps write to them and inform them that a collections agent may only call at your home by appointment and that you have no intention of making one, particularly whilst the debt is disputed pending production of the CCA (reminder - don't sign the letter though!). The clock is running and you just need to sit back and wait for them to fail to provide the agreement.

[jumpjet]

I have recieved an agreement from Egg Re: PPI.

 

They say the application Review page is the agreement I filled in when I applied online and cannot be changed by Egg. they also say that the agreement they have send is and acceptance of this.

 

Would somebody be able to tell me if they are correct.

 

There is no mention of ppi on the agreement. And does the application Review page actually form part of it.

 

thanks in advance.

img008.pdf

img009.pdf

[jumpjet]

bump

[The GodMother]

what has a PPI agreement got to do with a CCA request.

 

Img 8 looks enforcable to me as it has repayment terms and an APR rate. I am guessing you have edited out your signature from imaga 9. Hate to say it but it does look enforcable.

 

IMHO you should check with PT2537 or Curlyben tho as they are experts not me.

[Curlyben]

Oh the whole Egg agreements ARE compliant and as such enforceable.

[The GodMother]

ty for the confirmation CB. I thought that anyway.

[jumpjet]

Thanks Curlyben.

 

I wrote to egg as a continuence of a charges claim I made some time ago. They offered £16 and my charges sheet £265 on it made up of known charges from statements etc but I did not recall agreeing to PPI which is why I asked for an agreement. What I don,t know is whether the agreement includes the PPI or whether this should have been mentioned within it.The only mention of PPI is a section of the screen shot they sent me entititled Application Review. Is this the online application I would have filled in?