N.P V Egg

[citizenB]

There isnt a collection on Good Friday, is there ?

 

You should also make a complaint to the Information Commissioner's office regarding their contacting a major Public Utility Company to confirm your address.

 

If you are going to respond to Moorcroft, they you should also ask them which one so you can make a complaint to the ICO regarding the Utility Company's sharing of your Data.

[N.P]

HI cB,

 

As far as I know, there is no post on Good Friday OR Bank Holiday Monday. I certainly never receive anything on those days, and I never see a Postie or Delivery Van about.

 

I think they are playing with themselves again.

[N.P]

Just a thought on this, aren`t the `Rights To Cancel` supposed to be on the Agreement?

 

I can`t see any at all, only on Page 2, on the 2nd left paragraph is something which waffles on about paying the Loan off early. I trust this is not the same as Rights To Cancel, in the meaning you have a right to cancel this agreement within a short time, thus closing the agreement before it officially begins?

 

Anyone?

[citizenB]

SOrry NP, I have no idea

[militantconsumer]

Hi N.P

 

It's a threat-o-gram - don't let them wind you up.

 

Having said that it surely counts as a Letter Before Action and therefore deserves a (special delivery) response.

 

What's the betting if you send an account in dispute letter setting out your s18 multiple agreement points, Moorcroft will give up and pass the account back to Egg?

[N.P]

Right people,

 

Been busy lately and haven`t really done much (as usual).

 

I have a CCA ready to fly tomorrow, I think that will do for now and keep them busy for a week or so.

 

Then I`ll dispute it

 

 

 

N.P

[N.P]

Evening boys and girls,

 

Right, yesterday my GF posted off a CCA to these arses, I already have a CCA from EGG, but I thought asking Morecrap for one will give them something to do while I think of a suitable response. This will include Section 18 Multiple Agreement arguement and added charges but I won`t tell them about the lack of a Default Notice.

 

Anyway, also yesterday I received the following -

 

 

 

 

 

 

This is quite interesting as this is actually less than what I was paying EGG each month. I don`t think I`ll give in to this, as it will only encourage the bot splats to try and take over my life, until I die, which of course can`t be allowed to happen.

 

Why do these idiots give you a DEADLINE, then send them thing out Second Class? They must be STUPID to think people still panic and will fall for that crap.

 

Cio for now people.

 

 

 

N.P

[angry cat]

Many consumers would panic, because at the top of the letter states in RED:

Pre Court Division!

 

All designed to Frighten...

 

AC

[pt2537]

well thats a somewhat strange letter head, isnt ever letter asking for money a pre court letter? save for when a letter of claim is issued

 

what a bunch of donkeys

[angry cat]

Very odd tactics!

 

AC

[N.P]

Yep, the other two had that silly Red heading to.

 

Maybe CAG should design some cool letter and sell reams of paper we could buy, on the cheap of course?

 

Something Like -

 

CAG Debt Busters

Anti Arse-hole Division

[angry cat]

Ha Ha Ha!

 

Ac

[N.P]

Hi people,

 

Right, I may be clutching at straws here, but should my Loan Agreement state the TOTAL amount owed under the term of the Loan? IE 84 Payments of £208.31 = £17498.04.

 

Shouldn`t there be a Total sum of £17498.04 on the Agreement?

 

I`m not sure how this works, especially with the APR.

 

Any comments would be appreciated.

 

 

 

N.P

[militantconsumer]

I thought that the "total charge for credit" regulations came in later?

 

Are you going to run with this restricted-credit-to-pay-off-an-Egg-Card argument, or are you looking for another way out?

[N.P]

I thought that the "total charge for credit" regulations came in later?

 

Are you going to run with this restricted-credit-to-pay-off-an-Egg-Card argument, or are you looking for another way out?

 

 

 

Hi mc,

 

I`m sticking with my Multiple Agreement arguement, and also that I did not receive a Default Notice, by the way, I`m just waiting for the CCA from Morecrap, which will no doubt be the same as the one I have.

 

I was just scanning over the Agreement and noticed there was no Total Amount Payable, or whatever it`s called.

 

The more ammo, the better I guess.

 

With reference to PT`s recent success in Court with Egg, can the lack of charges not being mentioned on the actual Agreement still be used against them even if the agreement reads something like `refer to the T`s & C`s for the full lowdown`?

 

They never send the relevant T`s & C`s anyway, and always change them to suit themselves.

 

 

 

N.P

[N.P]

Right,

 

Just a little update.

 

Yesterday I received this from Morecrap, not sure why it`s taken a week for it to arrive, but there you go -

 

 

 

 

 

 

They`ll probably just send the same Agreement I received from Egg, which can be found here

 

Also, on the Agreement, I don`t see any Cancellation Rights.

 

Anyone?

 

 

 

N.P

[N.P]

Evening people,

 

Ok, a little UPDATE on this thing.

 

Today I received the following letter from Morecrap.

 

It goes something like this -

 

 

 

 

 

 

Now, I find this somewhat interesting, as when I CCA`d Egg a while back they send me a CCA which is on this thread.

 

Not sure why Morecrap couldn`t comply with my request.

 

The mind is still boggling.

 

Strange eh?

 

 

 

N.P

[citizenB]

:lol: Did you see how many times they used the word "duly" in their letter dated 6th May:D

 

Many moons ago as a 6 year old, we used to pick a word out of the dictionary before leaving for school. We had to see how many times we could use it correctly during the day..

 

Do you think Moorcroft are employing 6 year olds.. then discovered that the next stage of the process was too advanced for them

[N.P]

Now now cB, don`t be silly.

 

However, saying that I duly noted the amount of times duly had been used. Not that an ignorant git like myself was impressed with it at all

[citizenB]

Now now cB, don`t be silly.

 

However, saying that I duly noted the amount of times duly had been used. Not that an ignorant git like myself was impressed with it at all

 

[militantconsumer]

You have to wonder if any DCA is going to touch these old Egg accounts. It just takes one letter challenging them and they give up and pass it back to Egg.... who then do nothing for months.

[N.P]

Evening, gang members and trolls alike

 

Right, following on from a couple of weeks of nothing I received this from some bell ends called Arc Europe.

 

It goes something like this -

 

 

 

 

 

 

Not really sure why Morecrap couldn`t come up with a CCA, because Egg did before they sent the account to them.

 

Has anyone heard of this lot?

 

 

 

N.P

[N.P]

This is their website - ARC (Europe)

 

Think they are trying to hide their site or something?

[shinobi101]

Was the agreement double-sided?

 

It seems to have the signature on a separate page from the prescribed terms. Doesn't this make it unenforceable?

[angry cat]

OOH!

Do ARC still send letters that appear to come from APLINS Solicitors? (NOT)

 

But when one writes to the legal firms, law society addy, one never hears back!

 

Or, perhaps, ARC have changed their purported legal Pimp?

 

AC