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EGG Loan


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Yes they could reconstruct another. But thankfully, creditors are really stupid and can easily make mistakes leaving themselves open to suggestions of, in my view, attempted fraud.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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aah i see anyway sent off so I will await the valid response

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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ah bugger forgot to include the standard postal order for the cca and sar. damn it shall i re-send with appropriate monies or wait to see what response i get

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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surprise surprise egg have reduced my credit card limit (lucky haven't used it and have no intention of should cut it up really)

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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what does everyone think should i re-send with monies or wait to see what happens?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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heard nothing from them so will re-send with appropriate payments and see what happens.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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not heard anything, paid my £1 as they instructed so we shall see?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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nothing yet but i'll post as soon as anything changes

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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received a letter yesterday as follows:

 

the consumer act 1974 requires us to send you this notice because your loan account is in arrears blah blah.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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  • 4 weeks later...

they sent me a letter asking for £10 for a cca request i thought that was just a SAR. I will re-send and explain the £1 is all i need to send

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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it actually says 'Thank you for your recent request regarding a Data Subject Information Request' strange I will send back and explain what i am requesting.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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  • 1 month later...

they sent the cca for the loan but they also sent my details for an egg card which i have. very strange. also not heard from them since, suprised i haven't been defaulted etc.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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  • 1 year later...

Very strange I have ried to get an agreement going with them to pay 50 a month which I am doing by standing order however when i ring to get a discussion going they say the account has been passed on i am still paying them. they have recently sent me a statement showing the payments i have made for past 3 months and the arrears but only for the past 3 months. no interest charged which is great. should i just leave it i.e don't upset the apple cart or have they cancelled my account so to speak because they haven't contacted me in any way for a year????????????

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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  • 2 years later...

Well after various recovery agents etc Britannica have now sold it to ME III Ltd with Marlin Financial acting as agents. I believe they are the same company etc but they have asked for a new I&E and want me to stop paying and change to them but i don't trust them obviously. has anyone got any advice on how to deal with these.

 

what can i expect apart from the barrage of phone calls. are they in form the long haul or short term and then sold on

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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should have said currently paying £50 month so not disputing the debt just struggling to pay but things are improving

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Well after various recovery agents etc Britannica have now sold it to ME III Ltd with Marlin Financial acting as agents. I believe they are the same company etc but they have asked for a new I&E and want me to stop paying and change to them but i don't trust them obviously. has anyone got any advice on how to deal with these.

 

what can i expect apart from the barrage of phone calls. are they in form the long haul or short term and then sold on

 

I have a similar issue with a family member. Debt issue was sold on to a DCA. They chased and sold the debt on again. I eventually paid off the debt (Mackenzie Hall) but did not receive any receipt or acknowledgement of the debt. Yes they then sold on the debt again to another DCA. (and several more since - too many to name them all) we have been hounded ever since but now just ignore any calls or letters. I believe the debt is with the original debtor if they sell on the debt then you have no obligation to settle. The original agreement was not with a DCA but with whoever. If they decide to sell on the debt then IMO you have no obligation to pay as they will not be able to provide a loan agreement between you and the DCA trying to recover any money sold on by the original loan agreement provider.

 

We have had 8 years of hassle, letters, phone calls, threats of debt collectors, bailiffs, court action and more. If an outstanding loan is sold on to a DCA then IMO the DCA has no legal right to claim any money as they will not be in possession of any signed agreement between you and them.

 

You should not acknowledge any debt to a DCA you do not have any agreement with them and they will hound you and make life miserable for you.

 

Fight them and use the info above to make your case.

 

Good luck with your fight

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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oh dear so if you wanted to get rid permanently you have to go back to the original lender and find out who they sold the debt to?

 

and then try to deal with them rather than the agent. Fredricksons who were the agent before have offered a deal and will send me a full and final settlement and no-one will chase and won't be passed on etc. if i get Arrow (who bought the loan from egg) to agree with that surely thats enough to show a judge if needed in future?

 

dont know what to do and dont want to spend years obviously battling letters.

 

ho hum

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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