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    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
    • Hi dx100uk   He is the information you asked for.   OC: Capital One    Type of debt: Credit Card    When taken out: 29/10/2017   Current owner: Capital One    Defaulted date: Hasn’t Defaulted    Outstanding sum: £156.52   ———————————————————————   OC: Vanquis   Type of debt: Credit Card    When taken out: 21/05/2018   Current owner: Vanquis   Defaulted date: 31/05/2019   Outstanding sum: £355.00   ———————————————————————   OC: Ocean    Type of debt: Credit Card    When taken out: 09/09/2018   Current owner: Ocean   Defaulted date: 07/06/2019   Outstanding sum: £318.00   ———————————————————————   OC: Instant Cash Loans T/A Payday Express   Type of debt: Payday Loan   When taken out: 22/01/2014   Current owner: Instant Cash Loans T/A Payday Express   Defaulted date: 04/06/2014   Outstanding sum: £492.00   ———————————————————————   OC: NatWest   Type of debt: Current Account    When taken out: 05/08/2003   Current owner: NatWest   Defaulted date: 30/04/2016   Outstanding sum: £468.00   ———————————————————————   OC: British Gas   Type of debt: Utility Gas Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £712.00   ———————————————————————   OC: British Gas   Type of debt: Utility Electric Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £819.00
    • Thanks DX re counterclaim. Just to clarify regarding witness should I just put one on the N180 and at court just take a witness statement from partner?  
    • I am hoping someone can advise me regarding my salary. I work as an emergency response driver for a private medical transport company. I work 6 x 24 hour shifts on call(total of 144 hrs) followed by 2 rest days(48 hrs). I work from my home address, with a company vehicle parked outside. During my six on call shifts, I must be available to respond to any task given to me (by phone-call) within a certain time. As you can imagine, while on call I am very limited to what activities I can take part in. Due to the nature of my role and the need to respond within 30 minutes to 90 minutes I am somewhat tied to my home. Obviously I cannot consume alcohol, go for family meals, go shopping etc. Even while attending hospital appointments, popping to the shop I must wear my uniform, take the vehicle with me and be contactable and ready to respond. It has been brought to my attention that on call time is now classed as working time if you must be at the disposal of your employer during that on call time.   Is that correct and if so, should I be paid at least the minimum wage while on call. I am currently paid an annual salary of £22,000 for being on duty an average of 6,570 hours per year which would put my hourly rate at well below the minimum( not including annual leave).   Any advice would be greatly appreciated. Thank you.
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Calamoli v Egg - CCA No Signiture/Tick & Strange Letter? Please Help Me.

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Hello, could somebody please help me regarding paperwork received from Egg in response to my CCA request? The CCA request was originally sent on 10/03/09 & I did not receive the paperwork until December 09, although I have been hounded by DCA's for many months, despite informing them that the account is in dispute, awaiting Egg's response. They are now threatening court & because of serious personal & health problems, I am very behind with my mail & worried sick.


I'm back with a vengence now & really need to go for it but I desperately need some good advice if possible please (This is the 1st CCA/enforcability for a credit card that I have tackled so I would really appreciate your help.)


The paperwork they have sent is basically a load of printed sheets with some very basic info about me on the 1st couple of pages, the rest seem to be a load of "computer churn" as I call it - spread out over 23 pages. There is no signature or tick box that I can see - no handwriting whatsoever.


The covering letter that was on top reads:


Dear Mrs - - - - -

Your Credit Agreement Request


Further to your recent (9 months is recent:-?) request for a copy of your credit card agreement, we enclose a true copy of your agreement with Egg.


The true copy provided:


Reproduces the original terms & conditions of your agreement together with the original interest rates, as accepted by you at the time of your application.


Does not include the signature box, signature or date of signature as in accordance with Regulation 3(2)(b)(ii) of Consumer Credit (Cancellation Notices & Copies of Documents) Regulations 1983; we are not required to provide them.


In addition, we have enclosed for your information your current terms & conditions.


Your account is currently in arrears. The amount outstanding on your account is ****. Please refer to section 2 of the current terms & conditions which confirms when payments fall due to be paid under the agreement & the basis for calculating the amount of payments due.


This completes our obligations under the Consumer Credit Act 1974 including related regulations and satisfy your section 78 request.


For the avoidance of doubt the fact that you have made a section 78 request does not entitle you to withold your regular monthly payments; as such you should ensure you continue to make your monthly payments.


If you are having difficulty in making your payments, or staying within your credit limit, please contact our Collections Dept on 0845 6000 296 who will be pleased to help.


If you have any further questions or require additional information, please contact us in writing at the address provided.


Yours sincerely


Steve Birkinshaw

Head of Transaction Services

UK Consumer.


I am quietly holding my breath & praying that some of you great people will be able to give me some hope regarding their reply. Obviously, i'm very inexperienced in this area & don't dare voice my thoughts (maybe it's just wishful thinking). Hopefully, you can put me out of my misery, one way or another.


This company have completely fleeced me, then piled on horrendous amounts re charges, while I have been hospitalised/undergoing treatment & like a lot of people, I could really use a bit of good news. Talk about kicking you when your down. They have had way more back than I ever used so I don't feel in the wrong to hope for the chance of unenforceability.


I will keep researching & trying to teach myself of course but given the threats & delayed timeframe (my fault I know) I would be so grateful for some wisdom & advice as a matter of urgency. Please help me if you can.


Thank you so much for your time.


Best wishes to all



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I'm guessing that you took this out on the internet.

Some agreements have a tick in one of the boxes which is supposed to

replace your signature, obviously we can't sign anything on line.

I would be of a mind to keep it in dispute but I'm not up on Egg agreements especially those done on line.

Hang in there I'm sure someone with the knowledge of Egg will be along soon. In the meantime click onto the Egg forum and have a good read of the threads it will give you a bit more insight into Egg agreements.


I have no legal training my knowledge comes from my personal life experiences

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Hi DG, thanks for the advice - i'm really hoping an Egg expert will take pity on me sometime in the near future. Excuse my ignorance but you have advised me to click on the Egg forum...I thought I had:oops: Obviously, i've got a lot to learn. I've been reading other threads all day but i'm finding it really confusing & I guess it can't be helping that i've posted in the wrong place. Could someone please point me in the right direction so that I can find an Egg expert or two?


My scanner won't work now but i've managed to take some pretty legible (I hope) photo's of the paperwork/CCA they have sent. Now i'd really like to post them in the right place & have someone take a look if at all possible. There are 20 odd pages though & I'm not sure if they are all part of the CCA?


I'm going to keep trying to make some sense of it if it takes all night - I can't sleep anyway - too stressed.


By the way, you are correct, it was an online application from approx 2000/01.


Any advice gratefully received.


Regards, Michelle.




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Hi Calamoli.....electronic signatures only came in to force in 2004 - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/152384-help-dca-chasing-me.html#post1618550 HOWEVER due to recent cases they have to provide the terms at the time you took out the agreement (have they done this ?), and don't have to provide a signed copy.....you might find this interesting too - http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html Was there any PPI added ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.


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