Mills1vEgg

[mills1]

After things going quiet Egg now issue Default Notice.

To me it looks dodgy, no underlining where it should be.

Another interesting point is, not so long ago I received a letter from Egg terminating the agreement.

In the default Notice they threaten to terminate the agreement.

Now hold on Egg, you have already terminated the agreement.

Can agreements be terminated more than once?

Also advice on a letter to Egg on what I see as a dodgy Default Notice would be appreciated.

Thanks.

[trout]

With regard to the termination letter you received on 4/9/10,

have a read through TOYMAKERS thread in this forum.

[mills1]

Thanks for the reply Trout.

I have been reading Toymakers thread.

So what is the procedure regarding dodgy Default Notices after they have already terminated your account and threaten, in the dodgy Default Notice to terminate it ( again )?

Thanks.

[mills1]

"Your Egg card has been withdrawn, your account will remain open for repayment purposes only "

 

"Your Egg card has been terminated, your account will remain open for repayment purposes only "

 

"withdrawn" and "terminated" the same thing?

 

Cheers.

[maroondevo52]

Sounds like it.

[mills1]

Sounds like it.

 

I thought so myself, just wanted clarification.

They had sent that out in august, but sent me default notice, important wording not underlined, earlier in the week.

Suggestions please?

Thanks.

[mills1]

Following Egg's Default Notice now received a second Termination Letter.

The account has now been Terminated twice.

Just to add the Default Notice appeared unenforceable.

I advised Egg that the Default Notice was unenforceable, they replied with the usual " tell us what the problem is with it "

I advised them that they should know what constitutes a valid Default Notice.

They now say, in the 2nd termination letter, that the account will now be handled by an external agency.

Do I have to be paying them anything at all given the circumstances?

Is there a letter I can send off to them advising them that they have acted out of hand and should now reduce the balance to nil ?

Advice please.

Cheers.

[mills1]

Bump anyone? thanks

[mills1]

Can anyone advise please?

Now appears Egg have sold on a disputed account, given their incompetent handling of the correct procedure for defaulting an account, can I tell whoever the prospective buyer of the debt is to kindly " Do One " when they attempt to claim the debt?

Cheers.

[mills1]

Following hearing from Collect Direct (UK), Whom Egg appear to have sold the debt to, I contacted the OFT, as I have been in touch with the OFT over Egg and its agencies behaviour.

Anyway, surprised to receive today a reply from OFT asking me for full information about Collect Direct (uk) as in their ( OFT ) words, it is not apparent whether this trader ( Collect Direct (uk) ) holds a consumer credit licence.

OFT have asked me to send copies of correspondence between myself and collect Direct ( uk )

What do you think?

 

Cheers.

[mills1]

A quick update on proceedings.

Collect Direct (UK) have got themselves involved, but have forgot that it brings with it responsibilities.

Received a letter offering substantial discount, this was declined by me, I said I wanted them to send me a true copy of the original agreement.

They have this week returned my postal order, and a letter stating I should contact Egg.

Dispute letter winging it's way to Leeds.

[victoria_siempre]

Hi mills

 

I have same and am just holding Egg to account for DCAs actions and adding it to my fos complaint having gone through Egg's complaints procedures.

 

x

 

vic

[mills1]

Collect Direct seem to have got itchy hands.

Received a letter from ARC today ;-)

[victoria_siempre]

Hi mills

 

They've probably contracted a STD through playing with themselves too much.

 

I asked for Collections Direct's complaints procedure which they sent me and it is laughable; they also asked what my complaint is: well, where do I start....

 

You really couldn't make this up; I'm just glad I ain't a shareholder in these bandits.

 

x

 

v

[mills1]

Victoria, looks like another postal order finding it's way to Arc now.

There was me thinking it illegal to pass debts around.

Maybe time to write to trading standards about Egg's behaviour.

I sent Collect Direct an account in dispute letter stating that they could not pass the debt on, so the latest behaviour does'nt surprise me.

Another letter to scan off to oft to add to the file.

[mills1]

Can someone point me in the direction of the letter to send to Collect Direct now that they have not replied to my account in dispute letter and have handed it over to ARC ?

 

Cheers.

[victoria_siempre]

Hi mills

 

1. You need to make a formal complaint headed as such and await their formal reply. Complain to both OFT about fitness to hold licence and FOS re your individual treatment.

 

2. You need to ditto Egg and keep complaining about actions of their agents and ditto ditto.

 

x

 

v

[mills1]

Thanks Vic, the oft are already aware of what's been happening in my case, but have stated that they cannot divulge what action they take against creditors.

To my thinking, the fact that collect direct passed on the debt when I had sent recorded delivery, and they had signed for, an account in dispute letter means Arc can take a run and jump.

The latest letter, today, from Arc states that they act in good faith, and saying they want the money.

There's nothing wrong in wanting hey?

 

Cheers.

[mills1]

Can someone please answer the following question as soon as possible ?

If a debt is less than £2000.00 and it goes through Northampton can court costs be claimed by the dca?

Received a letter today threatening court action for the alleged debt, which is less than £2000.00, and also threatening court costs.

Any feedback would be appreciated.

Thanks.

[mills1]

Bump, anyone?

Thanks.

[mills1]

It would appear that ARC and Trevor Munn are operating from the same office.

I recently sent an email to ARC and forwarded a copy to Trevor Munn, only to receive a reply from Trevor Munn signed by someone from ARC.

Anyone else feel the office of fair trading would be interested in hearing about a dca attempting to confuse ?

[mills1]

Before I get onto the main issue of what I am posting, it would seem that ARC and Trevor Munn are linked in more than a dca/solicitor partnership.

I am open to anyone to prove it wrong, but anyone who has connections with these companies knows that they are both in the same Walton-On-Thames area.

Interestingly, and something everyone can do, is go on google maps and key in the two individual post codes, the walking distance between the two seems less than it is from my house to the local shop.

Conspiracy theory I hear some shout, but explain why I have two letters supposedly from two different companies signed by the same person?

If it is the case that ARC are posing as two different entities to frighten alleged debtors is there not something the regulation bodies should be doing?

On to the main reason of my posting, I received a letter from ARC yesterday, denying any allegations I was " purporting "

Despite them handing the matter over to Trevor Munn, who have given me notice of intention to issue an application for a ccj If I do not contact them.

ARC say they have passed it back to Egg for their instructions.

Maybe it was on the back of me threatening to charge ARC a fee every time I have to reply to their letters, because it takes time and is very stressful.

Lets just say I said I would charge them more than what is actually allegedly owed on the account and you get some Idea.

That email went off thursday afternoon, low and behold their reply drops on my mat yesterday morning.

My advice to others is give them as much as they give you.

Just to add, do it all in writing, not over the phone.

[mills1]

Can someone please advise as soon as possible on the following please?

I read somewhere on here that if a company issue a faulty default notice then terminate the agreement under that default notice they can only claim the arrears.

Is that correct?

Currently under a 14 day period before ARC decide to pass it on the Trevor Munn for court papers.

So I would appreciate advice so I am sure of the ground I stand on.

The Default Notice had no wording underlined as seems to be required under regulations, someone advise me if I am wrong on that.

Dont want to end up with Egg on the face, lol, should I end up defending the ccj application by Egg.

Cheers.

[mills1]

Bump, anyone please?

anyone who can confirm that i would only have to pay the arrears if they have terminated an account with a faulty default notice ?

cheers.

[trout]

Hi Mills,

 

Things seem to be up in the air at the moment.

 

Have a read of - Harrison VS Link Financial Limited - High Court Judgement , The intended meaning of S87 (1) ( b ) and Brandon case in the legal issues forum.

 

Also, there is a post in there started by Pumpkin Head.

 

I am in a similar position to you.

 

At this moment DON'T ACCEPT UR IMHO.

 

Trout