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Desperate Help with Allocation Questionaire Egg please


Ron 2015
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Hi

 

Any thanks for looking.

 

I have an egg card taken out in 2004 with a balance of 5K +.

 

The thumbnails show the CCA , Court claim , My defence and the Allocation Questionaire.

 

Solicitors have told me that the Approved limit defence is not strong enough on its own to make the agreement unenforcable. We shall see.

 

I have to get this AQ to my local court in 4 days time. I have tried to negotiate ( settle ) with Egg and their solicitors . Niether was willing to even talk to me about settlement.

 

I am thinking of asking for a mediation appointment and asking for a stay. Will it look bad on Egg if they won't negotiate?

 

I have asked Egg's solicitors for information and they have supplied nothing to date ( over a month ). Should I complain that they refuse to give me the paperwork they will rely on in court ? Should I complain in the AQ.

 

Should it be fast track ? I dont know what each track is , so I need guidance here.

 

It says £200 is payable by the claimant on filing their AQ. Is this me or Egg's solicitors ?

 

I have probably missed something out , please ask if I have.

 

Any defence arguments against the pre 2005 Egg agreement would be most welcome. And any experience of Egg negotiating a settlement would be useful too.

 

Basically Help!

 

Thanks Ron...

 

I am not very good with Photo bucket I hope the images come up OK.

 

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Debts settled £135K

discount so far £68K :)

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Hi they have come up a bit big!!!

I think you have an N150. I have the vast experience of completing 1 today!!!

Links I have used and been given (by 42man) are:

Directions for N150 or N149 Allocation questionnaire

 

upto the eyeballs v CL Finance No CCA IN COURT ** Help **

 

The dreaded court claim came today...

 

Link Financial County Court Summons

 

Allocation Questionnaire...Urgent help needed please!!!

I based mine on post 82 of http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/144167-bb-cabot-5.html

I printed off 2 or 3 N150s then compared the information and hopefully made a document that the court will like!

Don't forget to make 2 copies (1 for yourself) and don't sign the copy that you send to the solicitors. I send mine SD on the last possible date to the court and RD to the solicitors who won't send you a copy of theirs!!!

This is the link to mine. Good luck

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It says £200 is payable by the claimant on filing their AQ. Is this me or Egg's solicitors ?

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A little thing I know, but one thing less to worry about... Egg (the claimant) pay the £200 filing fee, you (the defendant) pay nothing :D

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Thanks Cym and IO.

 

I have now completed the AQ and delivered it to the court.

 

I owe in total over 18K , I can borrow 8K from a relative and have offered Egg 8K in full and final settlement. I cant sleep at night at the moment so if they accept then it would at least let me sleep.

 

Cheers Ron

Debts settled £135K

discount so far £68K :)

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Egg have come back to me with a full and final figure of £10,000.

 

I think I will pay rather than take the risk of losing in court and having to pay the fees which I am told can be large. Only wish we had a precident on the approved limit issue.

 

I can now just see a small light at the end of a long tunnel.

 

Thanks to all at cag.

Debts settled £135K

discount so far £68K :)

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  • 4 weeks later...

Thanks Crafty,

 

They want me to sign a Tomlin order for 9K , I think I will try again when I have the money to get it a bit lower. I dont want to sign the Tomlin until I have the money and I am sure they wont go any lower.

 

Also Egg say they will leave the default on my credit file and mark it as a balance of £0 and say it has been satisfied.Has anyone done better than this ?

 

Cheers Ron

Debts settled £135K

discount so far £68K :)

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  • 4 weeks later...

Hi All

 

Hopefully the final update .

 

I have negotiated the full and final down to 8K as I said truthfully I could only get 8K and not the 9K they wanted. I have signed the Tomlin order and sent off the cheque.

 

Hopefully this will be the end of this one.

 

Knowing my luck one of the test cases will say the approved limit is unenforcable , but I can't wait.

 

Thanks for all the help on this site.

 

ron 2015

Debts settled £135K

discount so far £68K :)

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hi Ron

 

well done for reaching an acceptable settlement. At least you can relax and enjoy the festive season

best regards

S

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Thanks Sunshine and Baz

 

I sent all the paperwork back special delivery so they can't say they didn't get it as I can prove it. I wrote lots of words on the back of the cheque about full and final and being unable to persue the alleged debt if the cheque is cashed , Belt and braces. So I should be OK.

 

Some of the pressure is off now ,but I still have Lloyds and MBNA after me.

 

MBNA have sold to DCA but messed up the paperwork so I can beat them off until they realise their mistake.

 

I think I may try and settle with Lloyds , I will have to go begging again.....

 

But there are several other CCC's who have not provided any copy CCA to me , around £60K. They can threaten all they like but with no CCA I will not pay and unless I get a dodgy judge enforcement is currently not an option from them.

 

So the festive season will be a bit less stressful , but I think it will be 1-2 years before it all goes away.

 

Thanks to all again.

 

Keep on fighting!

 

Ron

Debts settled £135K

discount so far £68K :)

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