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Hi Bill

 

Not Northampton - Nottingham County Court.

 

I have just got off the phone to the CAB - I have an appointment next Tuesday.

 

 

B.

 

however, whilst in no way denegrating their services- do bear in mind that in general terms- advisors at CAB will have no more experience of the CCA than most high street sols- and they tend to walk the path of "least resistance"

 

their aim is to help people manage their debts- rather than give adversarial advice on questioning the validity of debts

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Easy - DCA = bunch of very stupid (but arrogant) people who are NEVER wrong.

I believe Mercers shouldn't be issuing the DN in any case as they are not the OC - just a DCA.

BD

 

there is no legistlation preventing a third party from issuing a DN- but all the prescribe information must be included (including the creditors name and address

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I was afraid you would say that - don't know how to - hav ealways avoided doing so (or admitting it until now!)

 

I have just tried to find how to do the link and can't find it easily. I double checked the thread name: it's "Advice on EGG loan agreement please!" by bobogosing.

 

There - my secret's out! I will learn - as I have been frustrated in not being to do it.

 

BD

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Thanks lexis

 

Barclaycard wrote Aug 18 'payment due £36x.xx'.: "You must make your payment or we'll instruct Mercers Debt collections Ltd to send you a default notice in accordance with ...."

 

So Barclaycard have designated Mercers as their agents.

 

Mercers issued DN dated Aug 20 (both letters arrived in same post) ]'amount due £54x.xx'.

 

I sent CCA to Barclaycard Aug 25; it has been received but no reply as yet.

 

Mercers wrote Sept 9 IMPORTANT NOTICE 'outstanding balance £9xx2.xx' "We will be instructing a local debt collector to visit you the above address to collect payment"

 

I am not bothered about DNs or visits.

 

As well as sending the 'account in dispute letter to Barclaycard' I want to send something like:

 

" Dear

I note your letter ref BBC2CL/1.3 dated August 18 informing me that you are instructing Mercers Debt Collections Ltd to act as your agents.

 

Since then I have received a number of telephone calls, all of which I have recorded, from your agents and a letter, all of which breach Office of Fair Trading guidelines regarding debt collection given the context of my previous correspondence with yourselves. I should be grateful if you would confirm that Mercers Debt Collections Ltd are indeed acting as your agents in their questionable conduct so as to assist me in making my reports fairly to the appropriate regulatory authorities.

 

If you do not reply to me within seven working days my report will concern both your and Mercers’ actions."

 

What do people think about this as a line of attack?

 

vic

 

I don't think it would do any harm. I've just tweaked it a tiny bit (hope that's ok) so they don't have any wriggle room with the wording (ie they don't seem to be breaking guidelines, they just are, and don't give them the option of not confirming what you've asked).

 

I'd also just whack in the doorstep caller letter to cover your back there, even though it's highly unlikely they'd act on that particular threat it's worth just adding the few extra lines to tell them where to go:)

 

DD, thanks for the explanation, gives a bit of light at the end of the tunnel!!

Time flies like an arrow...

Fruit flies like a banana.

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left click on the URL (the website address at the top of the window. This will highlight the whole address you then right click on the address a box of choices will drop down. you then click on "copy". then go to you message and left click in the text space on the drop down choices just click "paste"

G

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http://www.consumeractiongroup.co.uk/forum/showthread.php?276050-Advice-on-EGG-Loan-agreement-please!&highlight=Advice+on+EGG+loan+agreement+please%21

 

Hey bigdebtor, just right click on the title and copy, or if you want a specific page just highlight the address bar and copy, then paste it where you want it to go. Easy peasy:)

Time flies like an arrow...

Fruit flies like a banana.

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I was afraid you would say that - don't know how to - hav ealways avoided doing so (or admitting it until now!)

 

I have just tried to find how to do the link and can't find it easily. I double checked the thread name: it's "Advice on EGG loan agreement please!" by bobogosing.

 

There - my secret's out! I will learn - as I have been frustrated in not being to do it.

 

BD

 

just between me and you - dont tell anyone else on the board or i will look like a right pillock- but neither do i!

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i think he was referring to making a link out of the postf- you cannot click on the text on the title on the POST (in this case the highlighted black Re_ Invalid Default Notices- - but it appears you can click on the "text" icon next to it- i presume that would copy it into a post as a link?

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i think he was referring to making a link out of the postf- you cannot click on the text on the title on the POST (in this case the highlighted black Re_ Invalid Default Notices- - but it appears you can click on the "text" icon next to it- i presume that would copy it into a post as a link?

 

Ahh, well then, right click on the post number, scroll to 'copy link address' and then paste in the reply box.

 

Hopefully this has worked, otherwise I'll shuffle off red-faced...it should come up with the first post on this thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?196312-Invalid-Default-Notices&p=2127681&viewfull=1#post2127681

Time flies like an arrow...

Fruit flies like a banana.

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I was afraid you would say that - don't know how to - hav ealways avoided doing so (or admitting it until now!)

 

I have just tried to find how to do the link and can't find it easily. I double checked the thread name: it's "Advice on EGG loan agreement please!" by bobogosing.

 

There - my secret's out! I will learn - as I have been frustrated in not being to do it.

 

BD

 

 

Just right click on the title of your thread--copy location-and then paste wherever you want to.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?276050-Advice-on-EGG-Loan-agreement-please!&highlight=Advice+on+Egg+loan+agreement+please%21

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Ahh, well then, right click on the post number, scroll to 'copy link address' and then paste in the reply box.

 

Hopefully this has worked, otherwise I'll shuffle off red-faced...it should come up with the first post on this thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?196312-Invalid-Default-Notices&p=2127681&viewfull=1#post2127681

 

Post numbers are white on a white background for me which is a bit weird. You can see them by highlighting them (left click and drg to expose it)

 

M1

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just between me and you - dont tell anyone else on the board or i will look like a right pillock- but neither do i!

 

DD - don't worry. It'll stay just between us old grandads.

 

These young ones might know all about IT but ask them to change the accumulator in the wireless, blacklead the cooking range or trim the wick on a gas lamp!!!!

 

Anyway - they would probably just take the last Y off your name- nothing worse than that. :-)

 

BD

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I've stopped remembering - just make things up now - actually more reliable than memory - and no one listens any more anyway.

 

I even thought I remembered my wife telling me last year (or was it perhaps in 2005?) that I had done well with some task I was given - but it was probably just a dream as I think she was smiling. :-)

 

BD

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http://www.consumeractiongroup.co.uk/forum/showthread.php?276050-Advice-on-EGG-Loan-agreement-please!&p=3127539&viewfull=1#post3127539

 

I just followed your directions and it worked! This the post with the two EGG DN's I'd like the guys to help out Bobogosing with if you can.

 

BD

 

(PS - actually nothing to this IT lark :-D- much easier than wireless accumulators, blackleaded ranges or trimmed lamp wicks!:wink:

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http://www.consumeractiongroup.co.uk/forum/showthread.php?276050-Advice-on-EGG-Loan-agreement-please!&p=3127539&viewfull=1#post3127539

 

I just followed your directions and it worked! This the post with the two EGG DN's I'd like the guys to help out Bobogosing with if you can.

 

BD

 

(PS - actually nothing to this IT lark :-D- much easier than wireless accumulators, blackleaded ranges or trimmed lamp wicks!:wink:

 

Hello, can anyone give me some advice on these EGG Loan DN's please?

1st was send in November 06 and the 2nd was send Dec 06. Are they allowed to default me twice?

 

 

http://i1011.photobucket.com/albums/...eggloanDN1.jpg

http://i1011.photobucket.com/albums/...eggloanDN2.jpg

 

http://i1011.photobucket.com/albums/...ggloanDN12.jpg

http://i1011.photobucket.com/albums/...ggloanDN22.jpg

 

And thanks so much BD for helping me to link up with the experts. bobo

follow the light!

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I've stopped remembering - just make things up now - actually more reliable than memory - and no one listens any more anyway.

 

I even thought I remembered my wife telling me last year (or was it perhaps in 2005?) that I had done well with some task I was given - but it was probably just a dream as I think she was smiling. :-)

 

BD

 

wind!

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