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egg/barclays/Lowells SD ****SET ASIDE & WON COSTS ***


mandyjayne
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Hi DG

 

Thanks for reply..i only have a print out version to hand, i will have to rejoin equifax and actually open the thread for that card and see whats happened..it defo says settled/satisfied next to that one...

 

I was only interested at the time, in the one i am fighting just now which was a ccj now set aside! Me thinks Lowells have made a boo boo(no surprise there)! and have picked up the wrong one to chase..i have another:D

 

Then the prove it letter will be winging its way...

 

MJ:)

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Its always worth have an up to date print out of your credit file. I must admit I had no intention of letting it go beyond the 30 days and having to pay but I am paying £6 odd a month (which I can't afford) but has come in very handy over the past few months.

Get your new print out and then you can check and see if it actually shows zero if it does then they need to prove that you still it owe it so the prove it letter will come in very handy.

DG

I have no legal training my knowledge comes from my personal life experiences

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did you settle the egg account

prior to selling an account to a dca, the creditor, being egg would reduce the account to zero

 

then the dca, lowells, would register the account in there name for the full balance

 

was the account ever defaulted and do you have the default notice

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Hi Postggj and DG,

 

Right ive just got an updated credit expert done, on the Egg entry it says:

 

Egg banking plc credit card - satifactory/settled **/05/05

Name: MJ

address: ***

DOB:***

company name: Egg

account type: credit/store card

started: **/06/02

current balance: settled

credit limit: 6000

settled on: **/04/05

file updated:**/05/05

 

status history: 0 0 0 0 0 0 0 1 0 0 0 0 ( one late payment)

 

no default showing...in answer to your questions postggj, it was a while ago, but i used to balance transfer a lot between 4 cards this is one i must have paid off, if not, i never received a default or default notice!

 

any ideas people???:confused:

 

mj:)

Edited by mandyjayne

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No cant remember, four years since!

 

and the credit cards were all in use at the time, i didnt apply for a new one then change balance over, so they all had something on them, if you get my drift!

 

any ideas what i should do with this?

 

mj:)

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If it was me and I could work out which card I transferred it to then I would definately send the prove it letter to them especially as it say zero balance and settled.

 

DG:)

I have no legal training my knowledge comes from my personal life experiences

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Thanks DG...

 

one more thing just for the record...

 

The mbna credit card that is now owned by (DCA) Arrow, now has Arrows name as company name, no longer MBNA, no longer any MBNA entry.

 

I have the same in the other entry, Lowells as company name, with the amount they say is Egg, but the settled Egg entry is showing as satisfied settled.

 

Bit confusing i know...gonna give um the prove it letter anyways..

 

cheers people

 

MJ:)

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  • 1 month later...

Hi all

 

Need some urgent advice please...

Tonight, knock at the door at 10pm! husband opened man asked for me..but in my maiden name, hubby said paperwork heading from what he could see, looked like it said Hamptons, didnt take the letter...so i am assuming its lowlife, regarding this thread. Hubby got rid of him said he was off to check land registry.

 

Would this be them trying to serve a SD do you think? although i have received letters from Lowells saying its on hold, after i sent the prove it letter. Could be for the egg credit card (of which i've received no paperwork, except a statement thing, which i did'nt acknowledge) or barclays overdraft!!!

 

Could it be Court papers hand delivered in this way, and if it was from a Court would it be that late at night!!

 

Not sure who or what it was, thats the worrying thing..

 

MJ

 

bump

 

bump

Edited by citizenB
merged posts where "bump" has occurred on same day

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Hi Sam

 

thanks...cant find your reply...!!! dont know if its me being thick:confused:

Nothing in my inbox

 

MJ

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Hi MJ

 

A couple of threads for you to read to familiarise yourself with the complex nature of current account and overdrafts.

 

Help with writing defence over Natwest Overdraft Please?

 

Halifax Current Account- Is this a defective Default Notice? Help please!

 

Regards

 

Andy

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Thanks andy

 

ok the guy the other night tried to deliver a SD... got letter today saying he will be back in the morning to hand it to me, acting for Lowells as i thought...no details on the letter telling me who the credtior is or for how much, my hubby is at home this week so he will open the door...now is this classed as harrassment..and what do you think he should say to him?? he could get his warrent card out and arrest him...is that a good idea??:D

 

Joking aside (he is really a copper) what shouold i do

 

MJ

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Well if it is then accept it.SDs should be delivered by hand I understand.Post the details and we will deal with it from there.

 

Regards

 

Andy

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thanks andy..he will post it through the door no doubt, how easy is it to deal with??

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thanks andy..he will post it through the door no doubt, how easy is it to deal with??

 

Well thats one of the points it should be delivered in person and to your hand to be deemed served correctly.If it is you have 18 days to respond .

 

 

Andy

Edited by Andyorch

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bankrupt...thats a bit scary, i am joint owner of my home with 3 kids...

 

well it wont be delivered to me personally i can i assure you of that much!

 

s**t im dealing with an upandcoming cmc in the legal threads at the mo as well..think its getting all to much for me now:(

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Stat Demand Bermans

 

Fresh off the press.

 

Regards

 

Andy

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Thanks again Andy...

 

Question...CCA/SAR shall i send to lowells or is it too late

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Never to late to request a copy of the CCA relied upon.

 

Andy

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Thanks andy

 

ok the guy the other night tried to deliver a SD... got letter today saying he will be back in the morning to hand it to me, acting for Lowells as i thought...no details on the letter telling me who the credtior is or for how much, my hubby is at home this week so he will open the door...now is this classed as harrassment..and what do you think he should say:p

Joking aside (he is really a copper) what shouold i do

 

MJ

 

no need for hubby to say anything except thank you:p

 

have answered your PM

checked land reg a bit sharpish did they not.after 10pm the previous night.

SAM

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hi guys

 

Well...said man was supposed to be knocking at 9.30am today to hand me the SD. Thats what his letter said.

 

11.30am still not here and nothing posted through letterbox??

 

any comments??

 

MJ:)

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sam ive pmd you

 

2 guests mm

Edited by citizenB
merged 2 short posts

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