Egg - County Court Summons - could anyone help please?

[Sunshine54]

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

[Sunshine54]

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

[Sunshine54]

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

[AndyOrch]

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

[Sunshine54]

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

[militantconsumer]

Subbing.

[JonCris]

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??

[Ron 2015]

Hi Jon

 

I did it via a Tomlin order which goes via the court.

 

So I should be safe.

 

I am not sure what you mean by conditional.

[Sunshine54]

just realised that didn't make sense - sorry

S

Edited November 5, 2009 by Sunshine54

[Sunshine54]

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

[Sunshine54]

good afternoon

 

I'd like to speak to Andyorch if you're available.

regards

S

[Sunshine54]

was a bit daft to post that doh

 

will go and get lunch and rethink

regards

S

[MAGDA]

I think if you mention someone's name in a thread, they get notifed of it, I seem to find that happens, so might not be as daft as you think:)

Magda

[Sunshine54]

thanks Magda

hope everything is going well for you

regards

S

[AndyOrch]

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

 

You wanted to ask?

 

Andy

[Sunshine54]

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

[Sunshine54]

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

[Sunshine54]

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

[Sunshine54]

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

[MandM]

Hi S,

 

Have you spoke to AO yet?

 

M

[Sunshine54]

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

[MandM]

All quiet on the western front so started a few new ones to fill the time . Defence is with them now so see what happens now they know where they've messed up.

 

M

[Sunshine54]

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

[N.P]

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

[Sunshine54]

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 November 28, 2009 by Sunshine54