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seklof

Bryan Carter chasing old EGG credit Card Debt

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i have received a bryan carter letter reading final demand

is my first step to appeal to them for a CCA

 

have moved this to legal issues for some help

i have received a letter from bryan carter - final notice

can someone help me

 

sorry guys n gals - trying to find the right space for my query

i have received the first letter from dear old brian

is a cca the first step

iv read many threads on this man but wanted a step by step defence from him

can someone help who maybe is having the same problems

 

i just received my first of probably many letters from brian - do i send a letter as seen on templates here for a cca and the harrassment letter

 

iv had around 55k stuck on me since the recession lost my business everything

 

wont go bankcrupt without a very good fight

can i get some help

i may end up being a case study

Edited by MARTIN3030

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Hi seklof. A bit more info needed. Dealing just with the BC issue, what is it? Card, loan, HP etc.

 

have you stopped payment and who is the original creditor if possible.

 

thanks,

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Is it just a letter saying he'll take action if you don't respond or is this a court claim? Demanding proof the debt exists (via a cca) would certainly help put the cretin off and put the matter in dispute because as sure as dammit he won't have the right paperwork. Make sure you put in the letter you don't acknowledge any debt and that the £1 enlosed is to pay the statutory fee for a s77/78 request. And send it recorded delivery

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would certainly help put the cretin off and put the matter in dispute

 

lol. As you can see seklof, BC is well loved by all in here


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi guys

 

many thanks for repling to my thread - my first disagreement will be with egg for 15000, it s over a year old now and really have been waiting for these guys to make thier moves which now i presume will start to come thick and fast

its a letter stating if i dont reply court proceedings will be issued

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Hi guys

 

many thanks for repling to my thread - my first disagreement will be with egg for 15000, it s over a year old now and really have been waiting for these guys to make thier moves which now i presume will start to come thick and fast

its a letter stating if i dont reply court proceedings will be issued

 

Is this a loan or a card? And how old is the original agreement?

 

ta

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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credit card and approx 8 years old as an agreement

also iv sent a letter to egg before and they cannot provide me with a signed agreement

thanks in advance

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credit card and approx 8 years old as an agreement

also iv sent a letter to egg before and they cannot provide me with a signed agreement

thanks in advance

 

Was it an online application? Do you know if they then sent an agreement out for you to sign?

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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yes ! the more info the better the advice, and the less twoing and frowing asking for more info.act quickly then shoot him down !:D

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if i remember correctly it was an internet application however i cant recall if i was sent an agreement out in the post

egg do not have a signed document for me

thanks guys n gals

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hi m n m

what do you think i should do next with this letter

i though cca

see hwt happens

can i ask if your situation is getting better as it states a lot less mess?

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Who is the debt for that Mr Carter is chasing is it Egg?

 

The issue is it is more than likely that he will issue court proceedings against you even if you do send a CCA request.

 

Thats what he done to me!

 

However I successfully defended I copied info from another thread.

 

With regard to Egg. Egg have now passed my alleged deby to 4 DCAs. Then they sold it to Lowells known on here as Leeds Losers.

 

The thing you have to be careful of with Egg is that they may suddenly come up with a CCA.

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hi m n m

what do you think i should do next with this letter

i though cca

see hwt happens

can i ask if your situation is getting better as it states a lot less mess?

 

Certainly you can send a CCA request letter. If BC in the meantime do push the button and decide to chance their arm by taking you to court then it will open further doors for you to force them to come up with an agreement using CPR

 

And yes, my situation has improved greatly - lots of reading needed and lots of help and support from the people on these forums :)

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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great stuff

i shall send this tomorrow and await the next move

 

i dont suppose i can do much with this particular issue until i can give an update

thanks

can i ask what cpr stands for ?

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ok thats what i shall do

 

see what happens next

 

sorry but what is cpr

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CPR = Civil Procedure Rules. These are the rules and practice directions that assist in forming the bed on which a case is built or defended. It will also assist the court in issuing directions to either side in order to further a case. Google it - look particularly at CPR31+.

 

If they start proceedings it will allow you to push them to disclose what they have got. Then you'll have a better idea of what you are defending - that's if they even have a case. ;)

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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thanks

i had ten credit cards and used them sumer of 2008 to support my business whilst awaiting invoice finncing from hsbc which also failed so now have a mountain of debt

i suppose i can only deal with what comes through the letterbox

i thought about bankcruptcy but the debt is non secured and i could / would lose my house so i wold rather see what happens next

i just dont fancy that option

thoughts anyone - its a discussion for many people

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thanks

i had ten credit cards and used them sumer of 2008 to support my business whilst awaiting invoice finncing from hsbc which also failed so now have a mountain of debt

i suppose i can only deal with what comes through the letterbox

i thought about bankcruptcy but the debt is non secured and i could / would lose my house so i wold rather see what happens next

i just dont fancy that option

thoughts anyone - its a discussion for many people

 

There are other options :).

Are you paying towards any of these cards still now?

 

Is your bank related to any of these cards eg Barclays Bank/Barclaycard or similar?

 

Are you still self employed now?

 

Have you sent a CCA request off to any others yet? How old are the cards?

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Also, from this point on (if you're not already doing it)keep every letter AND staple the envelope in which it was delivered to the back of it.


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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There are other options :).

Are you paying towards any of these cards still now? - i am not i cannot afford a penny

 

Is your bank related to any of these cards eg Barclays Bank/Barclaycard or similar?

1 card is linked to my barclays account which has been closed as was lloyds so i have no bank accounts now or any credit facilities, all shut

 

Are you still self employed now? - not presently i am u/e sadly

 

Have you sent a CCA request off to any others yet? How old are the cards?

not yet m just send i g the firt today as it is he firt serious demand i have had

i also have a court appearance with hsbc invoice financing which is on the horizon awaiting court date but still need a solicitor i think for this one

 

M

great stuff going on here

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also when you say how old are the cards - do you mean the debt or the agreements on them

if its age of debt then thats about 14 months if its age of cards most of the cards i have ahd for over 5 years if not more

cheers m

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also when you say how old are the cards - do you mean the debt or the agreements on them

if its age of debt then thats about 14 months if its age of cards most of the cards i have ahd for over 5 years if not more

cheers m

 

OK, then let's think ahead and start getting the CCA requests up and running. Will be £1 for each one plus postage, and you'll want to get them signed for at the other end so have a think about the costs and space it out to suit your means.

 

As you get each response, post it up in a new thread of it's own and let's see what they've got on you!

 

For the sake of future court proceedings that may occur, it may be worth your while doing an income and expenditure sheet based on your circumstances - just to prove to yourself that you have nothing. Then tuck this away somewhere - only person entitled to see that is a judge - whether or not you show it to any of your creditors is entirely your choice - despite what they tell you they have no right to it. Look on the National Debtline site, their I&E form is very good.

 

Then get writing to the others as a complete sideline to the CCA requests - let sleeping dogs lie though, you only need to worry about the ones that are pushing or giving you concern. Here is an array of letters for you to adapt to suit>>>> http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Should keep you going for a bit :).

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Also, from this point on (if you're not already doing it)keep every letter AND staple the envelope in which it was delivered to the back of it.

iv been keepong all correspondence from all of the collection agencies for the past year ,many are confusing, many are letter cycles

 

i have about 12 files going on with each agency and each debt

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shall i only send cca s to comapnies that wish to take me to court as this will reduce cost m ?

ill post each individually - i can post for each case for others to read?

as said let sleeping curs lie?

cheers again

none of the letters are relative yet it looks

and i don t have a carrot to give any of em iv done inc n exp and i m still over on outgoing s

if i have anything ill put it to the mortgage

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m

should i go to see the cab

just to see what they say

maybe iv been working backwards by not acknowledging debts but felt until i had soemthing to work with i would leave the issue

thanks

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