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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
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    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Egg - County Court Summons - could anyone help please?


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Hi Ron

 

well done on reachng a satisfactory conclusion with your Egg finances.

 

If I had cash then I would probably haggle and then settle as it would be easier than the ongoing saga but that little word 'if' is a bit of a problem cos I haven't got any cash

 

I'm still trying to work out exactly what I need to have prepared for next week so erring on the side of caution and will prepare as best I can.

best regards

S

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I forgot to say I received more documentation from Egg. Not everything that I'd requested but I had pointed out in my Defence that the Terms and Conditions they had included with the signed agreement were not the original ones that were with the Loan Agreement at the outset and the various clauses etc were different

 

They have now sent me copy terms and conditions which are different and earlier than the previous ones but ...... they have someone else's agreement number and name on them!

 

it just goes on and on

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the Sun is always shining, it's just that you can't see it sometimes

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Another question (and apologies in advance if I've already asked and can't find the answer)

 

Presumably Egg will have received a commission for the PPI and that is included in the amount that they charged me for the policy?

 

If that is the case am I right in thinking that this is a charge for credit and therefore shouldn't attract interest?

 

If I've got that completely wrong then please blame the glass of pinot that's seeing me through my Egging this evening

regards

S

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Another question (and apologies in advance if I've already asked and can't find the answer)

 

Presumably Egg will have received a commission for the PPI and that is included in the amount that they charged me for the policy? Yup but can you prove it

 

If that is the case am I right in thinking that this is a charge for credit and therefore shouldn't attract interest? Yup again

 

If I've got that completely wrong then please blame the glass of pinot that's seeing me through my Egging this evening

regards

S

 

Regards

 

Andy

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Hi Andy

 

I have asked repeatedly for financial details and they have simply sent a spreadsheet and repeatedly told me, in writing, that this is sufficient.

 

I will be very clear in the hearing that I need this information and ask the Judge to order that they disclose it.

 

In fact, I'll take that request to the Court so that he has it prior to the hearing later this week

 

many thanks for your input Andy.

regards

S

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the Sun is always shining, it's just that you can't see it sometimes

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Hi Sunshine

 

Just a quick update on my situation. I had an Egg cc with the aproved limit on the agreement. My solicitor told me that it was very risky to go to court.

 

So I decided to offer full and final settlement with Drydens. The amount was over 18K and they agreed to 9K after some haggling.

 

I feel this was the best route for me and just thought that I would let you know that Drydens will settle.

 

Best of luck

 

Ron

 

When you settled did you do so on the grounds that it was 'conditional' of early payment??

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just realised that didn't make sense - sorry

S

Edited by Sunshine54

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  • 3 weeks later...

good morning

 

just a quick update

 

Had a CM hearing which was fine. I'm awaiting the financial information that I've been requesting for weeks/months and which has now been ordered to be provided. (including details of commission payments made and received so delighted with that)

 

Once that arrives I will have to prepare and submit an amended defence and counterclaim.

 

I have been away for a few days so a little bit behind on here but I'm going to SAR the PPI providers so that I can validate the information provided by the claimant. (It will also help with PPI reclaims on old credit cards too which is something that I need to get moving on)

 

I've got another hearing scheduled for the New Year and then will expect a date for the full hearing to be set.

regards

S

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remember

 

the Sun is always shining, it's just that you can't see it sometimes

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I am subscribed to your thread Sunshine so an email prompts me:D

 

You wanted to ask?

 

Andy

We could do with some help from you.

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hi Andy

 

thanks for checking in. It seems we've missed each other for today.

 

The claimant was required to send me information by this week and they have failed to do so. I'd like to discuss options. maybe I'm a little paranoid but not sure how much information I can put on here at this stage.

I'll check again in the morning

best regards

S

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the Sun is always shining, it's just that you can't see it sometimes

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I've received a letter from the solicitors offering to drop the case and would like to discuss options if anyone has time/experience?

regards

S

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remember

 

the Sun is always shining, it's just that you can't see it sometimes

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it's me again

going to log off for a little while to feed my hungry tum and will be back later.

Hopefully someone will be around to comment in the interim.

many thanks in advance

S

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the Sun is always shining, it's just that you can't see it sometimes

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hello again

 

I'm back and it's awfully quiet here lol

 

I'll draft a response then and let you know how it goes

best regards

S

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remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Hi M

 

no and he can't take PMs so stuck really

 

I'll do my best and see what I can negotiate

how are you doing?

S

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remember

 

the Sun is always shining, it's just that you can't see it sometimes

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haha M you like a fight

 

anyway, if anyone has a view on how strong my position is on this I'd appreciate your thoughts?

best regards

S

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remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Hi SS,

 

Just butting in to let you know I`m still watching with interest.

 

Did they state what the options were? This sounds promising though.

 

Just so I don`t have to read 14 pages, do they have your CCA and is it sound?

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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hi N.P.

 

I have the agreement and have got good arguement that it doesn't comply with the requirements

 

Their offer is that they will withdraw the claim if I withdraw my defence and counterclaim.

 

I could just apply to have the case struck out cos they didn't supply the information as directed

just mulling over the options

S

Edited by Sunshine54

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remember

 

the Sun is always shining, it's just that you can't see it sometimes

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