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    • In terms of your letter of claim, you've asked us to remove some information – but you have put it up and it's not that critical it's simply bad practice and so we will be leaving in place. It's highly unlikely that the company will stumble across this thread – and anyway no great harm done – but there is no point in spelling out in a letter of claim every detail of the evidence you are going to be relying on if it goes to court. In terms of referring to mediation, it's not up to you. It's up to them. Once again you want to play your hand before it is necessary. Do not do it. Let them make the decisions. They probably will opt for mediation as part of the court process – and then you can simply accede to that. A letter of claim is not the time to start stating this kind of stuff. You come here for advice and I suggest that by and large you follow our advice. In terms of just keeping part of the contract – the frames – as long as you are sure that another supplier would be prepared to supply the glass which is absolutely appropriate for those frames. However, I should warn you that mixing your suppliers like this can eventually lead to problems because you are giving both parties a means by which they can pass the buck onto the other party. This really can get complicated – if the frames fail and the company with which you've already fallen out, then decides to get their own back and they say it is the glass supplier. The glass supplier may well turn round and say no it's the frame supplier – and you are left in the middle and you will have a difficult problem including maybe having to pay for an independent assessment to ascertain whether liability lies. In my view its most ill-advised. You have an opportunity here to predicate your rejection on the fact that you had a single contract and the glass and the frames are supplied as a job lot and the defective glass means that the entire contract is subject to rejection. However, it's up to you. Furthermore, if the frames fail within a particular time, apart from the problem of passing the buck to the glass suppliers, you may find that the frame suppliers are quite reluctant to do any further business with you because they will have long memories. If you really think that after this litigation the frame suppliers will be prepared to continue with you and to supply the glass that you need, then you need to be very certain. Of course they may be very pragmatic and business minded and mature about their dealings and be prepared to supply you with the glass you need with perfectly goodwill and professionalism. However, you shouldn't bank on it. All it needs is one individual within the organisation start feeling that the whole thing is some kind of personal rebuke against them are you are you are you are you you are a you are you you are you are you are a you you are a you.   Anyway, that's my two pennies worth. I think you should follow our advice in terms of legal process and the letter of claim. The rest of it is to how you deal with your windows is simply a bonus for you.
    • Perfect thanks for the reply and apologies for the marker Pen, I thought I had covered it off.    So to clarify, I just ignore this letter and no response is necessary?   
    • First of all, we please deal urgently with the identity of this company. In the title to this thread they are identified as being in Letchworth. This is not correct? We do not want to start firing off accusations against some company elsewhere may be is doing its job perfectly well. Please can you respond to this urgently Post up a link to their website
    • If you scan up letters here by the way, please make sure that they are included in a single file multipage PDF. Please make sure they are all in the correct order, the right way round, and not simply minuscule photographs. You can't imagine the kind of stuff that people put up here when they realise that they're not paying for the advice!
    • Think you've got the wrong Crystal there Slick132...it's Crystal Clear Group Ltd. There's a lot of companies with Crystal in the name!   I agree could take out the struck through part about evidence, although they already have it all already, but I think I need to leave the part about mediation/ADR in, it's important to show I'm open to these, that and the next line came from a template letter before action.  Have asked for that post to be removed via the report button, just in case, the rest of the thread can stay!         The frames are fine, no reason not to keep them, though I could reorder frames from somewhere else it'd be easier to keep these ones as I then already have the measurements for the glass (which I've double checked). I will be asking that question tomorrow though. I have found another supplier I'd be happy to use at around the same price. Glass at the mo is stored mostly upstairs, it's a bit inconvenient as it takes up a lot of space, but no losses as such.  
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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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http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

welcome to cag.:)

 

send it off.print name do not sign.

 

see what they come back with:)maybe nothing if its from 1999.

 

SAM

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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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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