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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

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Hey guys, first post here. I've just come across your site whilst googling round for some solutions.

 

Having read a few of your posts you all seem to know an awful lot about how to go about this sort of thing.

 

I owe Egg £5,928.71 on a credit card that was applied for probably in 1999 or there about (it's hard to recall).

 

I know I've been stupid and I feel totally sick I've spent that money on nothing.

 

Looking at the posts here I see it might be able to be classed as unlawful CCA or something?

 

What are the steps I need to go about setting this in motion?

 

I've read a few of the posts and am unsure about the steps to take.

 

I don't really feel capable to be dealing with collection agencies, if it is a bad CCA will Egg ever just accept that and right it off?

 

Thank you so much for giving me even the slightest glimmer of light at the end of a very long, black tunnel.

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I don't really feel capable to be dealing with collection agencies, if it is a bad CCA will Egg ever just accept that and right it off?

 

In my experience, no.

 

Egg will do everything within their power to get your money out of you.

 

If they do not have signed agreement (as appears in my case), the only way to get them to acknowledge this and to stop them enforcing the debt seems to be through the courts.

 

If you have one of the agreements that uses the the dubious 'Approved Limit' term and not the prescribed 'Credit limit' term then you may be able to get the agreement declared unenforceable, but again this will have to be acheived through the courts.

 

Others on here may have other opinions but i have found Egg will not simply write off the debt.

 

Edit: just realised, the above appears a bit negative, sorry, it's definately do-able but it will be a hard slog with Egg :)

Edited by Mr Fox
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Hi, BBG.

 

Who is dealing with your account now, do you have any idea what sort of amount has been added to the account in the way of charges.

When was the last time you made a payment to the account.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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@Mr Fox: No worries if it's negative or not, advice is advice so thanks :)

 

@Sam614: I will do shortly, thanks.

 

@Maroondevo52: At the moment Egg deal with my account and I make the minimum payment each month. I rarely miss a payment, about once a year, but it's always there, eating away at what money I have. It hangs like the Sword of Damacles.

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Hi,

 

There's a massive thread here that should interest you..........

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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After a lot of reading I have gone through that entire thread and it seems I should be going ahead with this.

 

I will post off a CCA Request letter on Monday. Do I need to to send them a £1 or £10 postal order? I see different figures around.

 

Also, I have moved out of my parents house 2 years ago (they still live there) but I haven't told Egg. Should I do this before I send my CCA Request? Will it hurt me in any way?

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at this time just send off a cca request

its a quid and get a postel order and send recorded delievery

 

will it hurt you to give your new address, now thats a question

 

on the cra files , you will be registered at your parents house,

tell them your new address will be fine as long as you have no debt skeletons lurking around

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Thanks for the info. I will get the postal order today.

 

What is a CRA?

 

Also can you define skeletons? I have 2 credit cards with debt on them and a loan with my bank.

 

The loan in under this address, as is the 2nd credit card with Barclays. It's just Egg that think I still live at my old address.

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Hi,

 

The CRA's are Credit Reference Agencies...........

 

The addresses of the credit reference agencies are:

 

Equifax Plc

Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

Online Credit Report and Credit Check Services - Equifax

 

Call Credit Plc

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

0870 060 1414

Callcredit | Check your credit report direct from a UK credit reference agency

 

Experian Ltd

Customer Support Centre

PO Box 8000

Nottingham

NG80 7WF

0844 481 8000

Check your credit report - Experian UK and Ireland - the information services company

 

These are the main 3.

 

Regarding the Skeletons, if Egg's the only one at the old address, you should be fine.

 

The fee is now £2.00.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

I think the crux of this lies in whether or not you own the property you now live in. If you do, in the highly unlikely case that Egg got a CCJ, a Charging Order could follow.

If you don't own the property no problem in letting them know I guess.

 

CRAs are Credit Reference Agencies such as Experian, they are agencies who hold information on how you handle credit, they get their info from creditors, for example if you default. This info can affect your ability to get future credit or a mortgage.

 

All the best.

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Ah that's ok. I rent the property. I will fill out the form/letter tomorrow and post it first thing.

 

I'll keep a running update of any developments here.

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Hey guys. I just have a couple of more questions before I send anything off.

 

If I find out that the CCA is unenforceable can I push for a small settlement or write off of the debt whilst still paying the minimum amount so as not to get in trouble with Egg or when they see what I'm doing will they just terminate my account?

Edited by BBG
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Hi,

 

Yes, If they can't come up with your agreement, this puts you in a good position to offer a Full and Final to get shot of the debt.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Great. In that case my plan is:

 

Send them this letter with a £2 postal order: (could you check I have changed the correct areas please?)

 

Dear Sir/Madam

 

Re:− Account/Reference Number MYNUMBER

 

This letter is a formal request pursuant to s.78(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.78(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £2.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

MY PRINTED NAME

 

Then when they come back, if it's unenforceable, I will carry on paying minimum payment and ask you guys how to go about a final settlement.

 

I hear Egg sometimes want proof of ID or a signature, what should I send?

 

Thanks :)

 

I feel so odd, sort of like this isn't happening, is happening and shouldn't be happening all at once.

Edited by BBG
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Hi,

 

Letter looks ok, the fee is only £1.00 for the CCA, it's £2.00 for the Credit Checks.

 

Regarding proof of ID, wait until they get back to you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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