Jump to content


  • Tweets

  • Posts

    • if you wish to put up everything like    your defence claimants WS defendants WS   then im sure those here now and future victims will find it of value   if you read upload carefully you'll see its best to upload each as a separate multipage PDF but ofcourse you'll have to redact each page as a jpg picture 1st before merging each to the relevant multipage pdf .   dx  
    • Thanks I’m happy to put something back ! I didn’t have the courage of my convictions to counter claim even though I was really quite proud of the thoroughness of my court bundle ! i really wanted the opportunity to get into the detail with the judge and felt quite cheated when it ended, but of course I realised that they had just moved on to their next victim  will watch this space 👍  
    • I have created your own topic for this as its import to have it own one but placed a link on the thread you posted on.   you should never counterclaim that exposes you to further cost and rarely succeeds esp if they disc' the claim always best to state in a sep letter you will be seeking costs esp loss of days wages at £90 which most judges allow.   as for an sar, its p'haps always better to issue a cpr 31:14 too or in replacement of, an sar.   well done on your important win
    • My wife has directed me to post on this thread as I have just successfully won against these charlatans   My hearing date was all set at my local court for 31st October 2019 all defence papers were filed and served and frankly I was really looking forward to it! This morning I received a letter from BW legal stating in a one line response that I was to take this letter as a notice of discontinuance whereby the claimant KBT (armtrac) discontinues all of the claim. I am beyond disappointed that I didn’t get my chance to see these idiots across a desk! And that’s it I don’t appear to be able to take this further? I now realise I should of had the courage of my convictions and faith in the advice of others to issue a counterclaim! What I have now in my possession is a file of information which would be Gold-dust to the next person in my position! I feel like I would be able to get some sort of closure if I could pass some of this wisdom on but there are many posters here already and every case is different in its own way The key points in my defence were as follows and useful to anyone ‘caught’ at Sandy Acres. Keep the original parking ticket you purchased and send a copy to KBT with a covering letter ASAP do not identify the driver at any stage of the process!!!!  The blue sign uses the word penalty which is contrary to the IPC codes of practice  The red and white sign has a café open sign in front of it  which obscures it from the drivers view both available to download via Google maps Check the date you receive NTK mine was 71 days Do an SAR and you will get back the pictures of the alleged offence in my case they were of such poor quality you could not tell which way up the ticket was in the photo and in no image they held was there a picture showing the ticket and the vehicle numberplate. They offered no other evidence. Pretty soon you will see the money is being sought escalate until they no longer match the figure on the NTK even if it is sent within 56 days When you see a breakdown of costs for the money being sought it will ultimately include legal costs, typically £60 that the solicitor knows cannot be recovered in Small Claims Court. Personally I am now considering reporting BW legal to the law society or solicitors ombudsman for being party to a process which is fundamentally dishonest, an abuse of process, and a complete waste of court resources?   i am happy to help anyone who needs assistance but rest assured that their case against you relies on you caving in and paying, they have no plan B but will try and make you doubt your ability to defend yourself.   Dont worry about small claims Court, it isn’t crown court, just an office with 3 desks and certainly less stressful than a job interview or meeting with the bank and less at stake.   I got to one week from my court date and they gave up!
  • Our picks

tom a

DLC and EGG card CCA request.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3513 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I sent a CCA request to dlc regarding an Egg Credit Card account.

Got their reply this morning. I don't have a scanner so will copy it out word for word.

 

Dear Mr XXXXX

 

Account number XXXXXX-Egg Banking Plc

 

Thank you for you letter dated 12 June 2009 regarding the above account. I can confirm and advise the following :-

 

1. I acknowledge receipt of your payment of £1 in association with your request for documents under section 77-79 of the Consumer Credit Act 1974.

 

2. This account has been assigned to Hillesden Securities T/A direct legal & collections to collect on our clients behalf.

 

3. Your request under the Consumer Credit Act 1974 would normally be made directly to the client that legally owns the account, in this case Egg Banking Plc, however, we will put a request in to Egg Banking Plc on your behalf for the documentation required.

 

4. If we are unable to forward a copy of the original agreement, we will be able to supply a true copy of the document which will comply with section 77-79 of the Consumer Credit Act 1974.

 

Should you require anything further at this point please contact me accordingly. I will update you on developments in 21 days if there are no developments beforehand.

 

Yous sincerely

 

A E Locke

 

I have been paying this debt through the CCCS and no interest is being charged.

Could someone take a look at this and advise me what action to take next.

 

Thanks in advance.

Share this post


Link to post
Share on other sites

I think it's a case of sit tight and see what comes. I think because of the time that's passed since you ccad them you can now stop payments until they produce the correct documents.

 

 

I have been paying this debt through the CCCS and no interest is being charged.

I don't know if this affects things though.

Share this post


Link to post
Share on other sites
I think it's a case of sit tight and see what comes. I think because of the time that's passed since you ccad them you can now stop payments until they produce the correct documents.

 

 

 

I don't know if this affects things though.

 

nope

Share this post


Link to post
Share on other sites

Sent off CCA request to dlc and got the usual letter saying they are not obliged to provide a copy bla bla bla.

Today I received this letter.

Can someone take a look and advise me what if anything I need to do next ?

Thanks.

 

SSA54250-2.jpg

Share this post


Link to post
Share on other sites

You don't have to do anything. No doubt their next letter will be to say they are returning the a/c to their clent.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Been receiving letters every 21 days from DLC and Hillesden saying they are trying to obtain a copy of my original agreement and my account is on hold till they produce it.

Today I received this letter from ARC Credit Management. (attached)

 

Should I now CCA ARC ?

Thanks in advance.

ARC credit management..doc

Share this post


Link to post
Share on other sites

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Thank you once again. Letter delivered this morning.

:)

Share this post


Link to post
Share on other sites

Received a letter from DLC today telling me they have passed the debt back to Egg.

Not heard anything from ARC.

Share this post


Link to post
Share on other sites

Will someone take a look at this and advise my next course of action.

Received this from ARC yesterday.

 

"Dear Sir,

 

We are writing in response to your recent correspondence.

 

We have contacted our client and they have confirmed that they have not received a signed request for your Egg Credit Card Agreement together with the statutory fee, therefore no Agreement was sent.

 

In order for our client to provide you with a copy of your agreement, would you please send them a cheque for £1.00 being the fee allowed under the Credit Consumer Act with your information request to the following address:

 

Data Request Team

etc.

 

Upon receipt of the same, they shall supply you with the appropriate data within the statutory period of 12 working days.

 

Please note that receipt of the request will not in itself delay our client's prior instructions to seek payment of the debt from you.

 

Yours sincerely

 

J Turner."

 

Do I need to send another CCA request off direct to Egg bearing in mind DLC had one in June?

Thanks in advance.

Share this post


Link to post
Share on other sites

Did you send the fee along with your CCA request to DLC?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Any suggestions what to do next please?

Share this post


Link to post
Share on other sites

Have they cashed original postal order. You can check on line. Post office site


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

Share this post


Link to post
Share on other sites

If they have failed to send you the agreement then send them the account in dispute letter, and withhold all payments until such time as they do come up with such an agreement and an enforceable one at that!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

I sent ARC an account in dispute letter back in November.

Not heard anything from Egg.

Share this post


Link to post
Share on other sites

In that case then you need do nothing. If your credit file is of any importance to you then you could keep an eye on it and see who is leaving their mucky paw prints all over it, but other than that I would let sleeping dogs lie and wait for their next batch of threatogrammes..


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Thanks for the replies. Credit File is shot to pieces so roll on round two of the threatograms. :D

Share this post


Link to post
Share on other sites

Will someone take a look at this agreement received from ARC yesterday.

Don't know if it's enforceable or not.

Thanks in advance.

022-1.jpg

 

 

023.jpg

 

024-1.jpg

Share this post


Link to post
Share on other sites

I've been reading through loads of threads regarding Egg credit card agreements and I think mine is the same as most.

I'm thinking of sending this letter to ARC (stolen from this thread.http://www.consumeractiongroup.co.uk/forum/egg/177463-response-our-egg-cca.html

 

"Dear ARC

 

Thank you for you letter dated XXXXXX, unfortunately egg have provided you with a copy agreement which does not comply with s61(1) of the CCA 1974 and the associated regulations and is therefore enforceable by an order of the court by virtue of s65. However, since it does not have a term concerning the credit limit (rather, it defines an "Approved Limit" - whatever that is) as required by Schedule 6 of the Consumer Credit (Agreements) Regulations 1983, the court would be prevented from granting such an order by virtue of s127(3)

 

I trust you will now be in a position to reduce the balance on this account to £0 and remove any default that you have registered with any credit reference agency as required by the Data Protection Act 1984 since it is obviously incorrect as no agreement existed between me and Egg. If you refuse, I will commence court proceedings against you under s14 of the Data Protection Act 1984.

 

I look forward to your favourable reply within the next fourteen days."

 

Can someone advise me if this is the correct way to go?

Share this post


Link to post
Share on other sites

Received a letter off the infamous Trevor Munn Solicitors this morning.

Threatening me with a County Court Claim in ten days time.

Can someone please advise what my next step should be.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...