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    • Hello again,   My husband's court date for the above is next week and he is extremely anxious and worried about it.    I explained that it is just a hearing to see if the court will enter a summary judgement and that they probably will not due to his statement that was sent, but he is worried that he will be put on the spot and asked questions and that he will get a CCJ..   I have said that he can just refer to his statement if asked anything and that it may be in a room type of thing, rather than an official looking courtroom..   Am I right in the above please?   Also, what happens if someone from Cabot doesn't attend? Does that make any difference? Should my husband be ready to say something about it to help in his favour, if so what?   Apologies for all of the questions, I know that you two are very much in demand all over the website. 
    • Is this correct ?
    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
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Default removal from Egg

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Hi all,


Trying to get Egg to remove default (also trying to get charges back and have a Data Protection Act non-compliance issue with them) start the ball rolling with CCA .would welcome any comments


Customer Relations Office

Egg plc

Riverside Road

Pride Park

Derby DE99 3GG

Mr CharlesHo Account Numbers:

Egg Loan No ***************

Egg Card No ****************

Egg Card No ****************

After recently obtaining a copy of my credit file from Equifax I was concerned to note that your company has placed a "Default" notice against the above accounts. Having recently requested subject access requests under Section 7(1) of the Data Protection Act 1998 (the ‘1998 Act’) I have noted that there was no "Default" notices against the above accounts in the data sent to myself this is either an omission or the Data (i.e. Default Notices) does not exist.

Further to this I have no recollection of ever receiving such notices, and I therefore require you to substantiate this data at your earliest convenience.


1. You must supply me with a true copy of the alleged agreements you refer to. This is my right under your obligation to supply a copy of the agreements under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 cheque for each account in payment of the statutory fees.


2. You must supply me with a signed true and certified copy of the original default notice


3. Any deed of assignment if the debt was sold on


I would request that this data is provided to myself within the next 14 days, if you are unable to provide this data then I must insist that it is removed from my files from all credit reference agencies which you subscribe to as unsubstantiated.


Yours faithfully



Nationwide Total settlement for first claim £810.92 (Charges £570.00) total charges £2579.00 (Another 4 claims to make)


Tesco personal Finance -NO penalty charges see post end thread

Egg DPA complaint sent to ICO see thread

Egg also trying to get defaults removed

Abbey National/MBNA credit Card - Eventually settled in FULL:)


Citibank Preliminary sent 19/08/06

MBNA DPA sent 30/07/06

Mrs CharlieHo v Providian DPA sent 30/07/06




Advice & opinions of CharlieHo are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hi charlieho,


Just wanted to say that Good luck with this!!!


I am also trying to get a default removed from egg. Egg to me seem to be hardest of all the Banks/CC companies to get money back or default removed


I would advise you to look at Yasmin's thread. . . http://www.consumeractiongroup.co.uk/forum/egg/944-egg_charges-default.html

as she is the furthest person with Egg who is trying to get money refunded and default removed.


Hondamad :)


EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts

Monument CC: received statements, now need to send letters. . . !

BoS Current Account: Settled

Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!



This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales :D


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hi there,


i will be watching your thread with interest, as i have had defaults on my hfc loan, that i am aware of i have never had notice of default.... they have sent me the statements and it is very confusing!! take my time on this one i think!


please keep thread updated!!


good luck lisaxx

if i have helped you at all click please the scales on top right!



11/4 S.A.R - (Subject Access Request) SENT OFF








T MOBILE i won!

16/6 Data Protection Act SENT OFF


5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!



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