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Me against them v's Egg


Braveheart12
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So far I have sent a CCA request to Egg by recorded delivery inc. £1 postal order 20/02/08. I did not recieve a response so I sent an Account Disput Letter, soon after I recieved a Defualt Notice letter from Egg and today have recieved an other letter stating Legal Action may be pending against me as I have not responded to to this defualt notice!

 

I have still not recieved any response with reference to the letters that I have sent them.

 

Should I ignore this until I recieve a CCA or reply to the letter?

 

advice would be appreciated...thanks.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Yeah thought so...I'm filing everything as well. cheers

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 3 weeks later...

EggResponse.jpg

 

Finally I have had an aknowledgement of my account dispute letter. Looks to me like they are struggling to find an enforceable CCA.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Yeah...all the correspondance I have sent has been filed and sent by recorded delivery.

 

I'll ignore this one then! :)

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Do I need to send another Account Dispute letter as I have already sent one prior to this letter?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 2 weeks later...

To I recieved a second Default Notice Served under section 87(1) of the CCA 1974. The lettter states that I have until the 21 May 09 to pay all over due installments and the over limit amount.

 

Still no CCA provided and Account is in dispute.

 

Should I continue to sit tight or is there an appropriate responce I should make?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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The only acknowledgement is in the letter posted above. They refer to my account dispute as a complaint.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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cheers....Do you know if there is a standard letter kicking around?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Cheers Jim...I'll have a look around for something suitable.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Hi..

Just a thought..might it be better to wait and let them terminate your account on the back of this faulty DN? If they do there's many threads on here indicating that they would then only be able to chase you for the amount stated to REMEDY the default, rather than the total amount outstanding.......

I'd do some more DN research before writing..maybe post a copy of yours on here with personal info removed so the experts can pull it to bits.

Hope this helps,

Elsa x

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Thanks Elsa & 42man...I'll read up on these topics this evening.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Image009.jpg

Image010.jpg

Image011.jpg

 

These are the two Default notices I have recieved from Egg for the same account.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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The first (by date) default notice states it will terminate the account with effect from 15th April. Then they send a second one out on 18th April, on a supposedly terminated account. Is this legal???

Hopefully some of our more experienced Caggers will comment!

Elsax

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The way I have post the Default Notices may be a little confusing as I have posted the most recent first (23 April), followed by the original letter(Sent 18 March).

 

Regardless of this they have threatened to termininate my account on two different dates, the 15 April (Now passed) and the 21 May.

 

They have still not responded to my CCA request and I have informed them the account is now in disspute.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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