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    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
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    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Egg credit card agreement terminated


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Hi All,

This is fascinating reading and I'm so glad I've read this thread and hopefully it will be useful.

I was one of the 161,000 terminated by Egg last year (not in default), I recently requested a CCA from them (which is now late), but after reading this thread I thought about sending this letter:

 

Dear Sir/Madam,

Following a recent review of my finances, I noticed that I was still paying a monthly direct debit to Egg plc to an account that was ended, voluntarily by Egg plc, some 35 days after I received a letter, from Egg, dated 31st January 2008. Since Egg had not served me with a Default Notice under S87(1) of CCA 1974 I conclude that Egg chose to forfeit any liabilities by me to this agreement.

Having studied the CCA 1974 I can find no reference that validates section 20.2 of the agreement’s terms and conditions as the account was not in default.

I must therefore request that you refund my payments made to this account since March 2008 - £1207.54 in total. I must also insist that you cease providing information to credit reference agencies regarding this terminated account.

 

I look forward to hearing from you.

 

 

Yours faithfully

I'd appreciate any comments on the wording.

 

Thanks in advance

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Hi Folks , been reading for countless hours this entire thread . I have had similar problems which i'm seeking advice as to how to combat please have a peek at my thread if anyone can advise :

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196118-egg-bryan-carter.html

 

However the reason for the post is that there may be people out there with this EGG problem that should check their credit file immediately as like myself you may have had a DEFAULT NOTICE lodged with the CRA's and not even be aware it exists !!

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Hi All,

This is fascinating reading and I'm so glad I've read this thread and hopefully it will be useful.

I was one of the 161,000 terminated by Egg last year (not in default), I recently requested a CCA from them (which is now late), but after reading this thread I thought about sending this letter:

 

Dear Sir/Madam,

Following a recent review of my finances, I noticed that I was still paying a monthly direct debit to Egg plc to an account that was ended, voluntarily by Egg plc, some 35 days after I received a letter, from Egg, dated 31st January 2008. Since Egg had not served me with a Default Notice under S87(1) of CCA 1974 I conclude that Egg chose to forfeit any liabilities by me to this agreement.

Having studied the CCA 1974 I can find no reference that validates section 20.2 of the agreement’s terms and conditions as the account was not in default.

I must therefore request that you refund my payments made to this account since March 2008 - £1207.54 in total. I must also insist that you cease providing information to credit reference agencies regarding this terminated account.

 

I look forward to hearing from you.

 

 

Yours faithfully

I'd appreciate any comments on the wording.

 

Thanks in advance

 

I agree with lollipop

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That IS a damn good letter.

 

I send something similar but I've already challenged them to show which section (CCA197) permits termination without a default and stopped paying 'cos of the 'approved limit' etc.

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Hi 2 All fellow EGG Lovers

They say PATIENCE IS A VIRTUE !!

This forum exudes confidence to us "minnions" who have stood up to

the BIG BAD EGG and I for one will hopefully be eternally grateful for it.

Having personally headed down this NON-PAYMENT route with

IMMENENT DEFAULT of my " ended " account on the horizon.

I have gathered from here that Egg are in NO HURRY to take anybody

to COURT over their NON-PAYMENT stance with regard to our

" ended " accounts, as an unfavourable decision on their part

will probably collapse their bank.

We all want Egg to force their " hand " which they obviously

are not to keen to do. In my opinion the part reason for this

is that the majority of the 160,ooo are STILL PAYING their DD,

either unaware of this stance, or personal uncertainty of the outcome.

A point I would like to raise is that every week on TV there is a

growing " minor Celebrity " called MARTIN LEWIS who CHAMPIONS the

" Common Mans " fight against BANK CHARGES and injustices.

Would a bombardment of requests from this forums good people to GMTV,

in the hope of raising the profile of our plight to a National audience,

bring the bouncing Mr Lewis to respond on TV.

Could you imagine the reaction if only HALF of the bereft 160,000

were to question their " ended " agreement with EGG !

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They're probably trying to reinstate your account, you'll receive a new card in the post shortly!

 

I logged into my account recently just to check how much I'd accidentally paid them since they ended our agreement and it seems my credit limit has increased!

 

You couldn't make it up.

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They sold mine on instead of trying to collect it themselves - maybe because they know it is made up of at least 30% charges!

TheKat1979 - Taking Control!

 

Taking on -

Barclaycard via HFO - daft application form sent

Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

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I think it has been made clear elsewhere on here that most Egg agreements are unenforceable.

 

It seems that if you received the termination letter, that you agreement is without a doubt unenforceable. Well, I say seems, I actually now know this is the case: as do Egg.

 

Challenges should be made to Egg immediately.

Not saying to stop paying in the meantime, or any other action.

 

Just take them to court over enforceability of contract.

 

You will win.

 

There are plenty companies who will also do this on your behalf for a few hundred £. To some this may be worth it. They will win for you and mean that Egg cannot pursue the debt any further (note this is different from writing off the debt, but essentially the same thing).

 

Go for it!

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What has happened to your big class action, Eddie?

 

The one that we were going to read about in the media?

I didn't say we were going to launch a class action.

We have a group who have stopepd paying and contested that there is no contract in place.

 

Egg have gone very quiet.

We have since found that the majority of Egg's CCAs are unenforceable, and furthermore that Egg know this (Citi did an analysis as part of their due diligence).

 

And yes, our media contact is documenting as we go along.

 

It does appear that the CCA route is the best route as opposed to the contact route. Not necessarily that there is no merit in the contract route. Rather that the CCA route is proven and easier.

 

Hope that answers your questions.

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I didn't say we were going to launch a class action.

We have a group who have stopepd paying and contested that there is no contract in place.

 

Egg have gone very quiet.

We have since found that the majority of Egg's CCAs are unenforceable, and furthermore that Egg know this (Citi did an analysis as part of their due diligence).

 

And yes, our media contact is documenting as we go along.

 

It does appear that the CCA route is the best route as opposed to the contact route. Not necessarily that there is no merit in the contract route. Rather that the CCA route is proven and easier.

 

Hope that answers your questions.

 

Thanks for that Eddie, that's very interesting.

 

Did the due diligence show that the loans were unenforceable as well?

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Thanks for that Eddie, that's very interesting.

 

Did the due diligence show that the loans were unenforceable as well?

 

Sorry militant, I don't know the answer to that.

I haven't seen concrete proof about the CCAs, but it is from a reliable source, and seems to be backed-up in the courts.

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No, but Egg have actd unlawfully. They are not allowed by law to take collection action with out sending a DN and allowing you the chnace torectify the situation.

 

 

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