Lexis200 V Egg (cca)

[beachcomber60]

Hi all,

 

About to start my own thread on behalf of OH. Seems to be going the same way as Lexis.

 

Egg sent cca request defaulted on timescale by two weeks, reply arrived today just T&C's although they said in there letter that the cca was included, also stated that we did not send the £1 fee and to forward the fee by return - we did send it by postal order which was payable to Egg and stapled to the letter.

 

In a seperate letter we had the same letter as Lexis ref: unable to contact by phone ring us or we may take legal action.

 

Seem very disorganised dont they!

 

Beachy

[beachcomber60]

Your not alone Lexis, OH account has been sold off to Apex.

 

Didnt reply to their 'welcome' letter either (had bigger fish to deal with), however, Apex have written again to remind OH to ring them as OH had a payment arrangement in place which Apex would like to 'honour' (no payments have been made to Egg since the 'cca' showed 'approved' limit plus the other missing/incorrect terms).

 

Beachy

[beachcomber60]

Hi Beachy:)

 

Thanks for that.

 

How were Egg when you pointed out the approved limit issue? I'd not done that before it was passed to Apex and I'm wondering who to tell now...

 

Also, have they been bad with hounding after you stopped payments or are they pretty in line with all banks - they go mental at first then calm it a bit?

 

Lexis:)

 

 

Hi Lexis

 

When we hit financial problems Egg accepted lower payments without too much hassle BUT they quickly issued a DN to OH account (as is their 'Policy').

 

Then we found CAG & cca'd Egg (along with all other creditors), after receiving the cca - well outside the 12+2 timeframe, found the 'common' errors with the agreement, disputed the account & with held payments, that was about six months ago, no chasing of payments by Egg.

 

At the same time as they agreed lower payments we logged into OH account & changed our telephone number - changed STD code to next towns code and changed home number to 000000 (I know - naughty but satisfying ), we only ever received one letter asking, sorry demanding OH telephones them as they were unable to ring OH - if OH didn't ring within 7 days they would start legal action. That was replied with a formal complaint advising them that we are under no legal obligation to provide our telephone number and that we will deal with them in writing only, since then absolutely no contact from them until Apex popped up.

 

If they do manage to obtain our telephone number then True Call is waiting for them.

 

I was advised (on the forum) to send Apex a cca request, making sure the PO was marked 'fee for CCA request ONLY'.

 

There are charges on the account but as I understand it Egg dont give in on these, there is also PPI added which wasn't asked for (preticked box) which need to be reclaimed.

 

Hope this helps.

 

Regards

 

Beachy

[beachcomber60]

Hi Miss Lexis

 

OH had a similiar letter to yours last week, refuting the approved limit argument.

 

They also enclosed a copy of High Court case last year in Manchester to 'back up' their argument that an enforceable agreement exists dont why they sent it, totally irrelevent to the 'Approved Limit' argument.

 

Given OH 21days before they start their collection activity again.

 

Enjoy your break.

 

beachy