Urgent help needed. Egg\lowells bankruptcy

[almostfree1]

Hello there

 

My situation;

 

I took out a credit card with egg in Nov 2003, debt of £2500 taken up by Lowells in 2008, which is still ongoing, and now they have sent me a Bankruptcy Notice (B10)(petitioning for bankruptcy) after I thought I would chance my arm at ignoring the SD due to the amount of talk of them bluffing. Well seems like they are following it through! I asked Lowells for a copy of the agreement in Feb 2009 which they sent me, it seems to have the same alleged faults in the agreement as being discussed in Pt’s thread http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413 (approved limit etc)... I will get it scanned in and uploaded... I have not acknowledged or admitted the debt to Lowells, only requested a copy of the agreement. They also sent me my monthly statements, but unfortunately I have lost these. It may be that I have not made a payment or acknowledged the debt within the last 6 years, but without the statements I wont be able to tell.

 

Since early 2009 I’ve been sending mail back to Lowells, and not accepting anything. I've also received letters chasing the same debt from Hamptons and Red. They were sent back also. Yesterday I had a letter from the Land Registry (B10 Notice of registration of a bankruptcy notice). Lowells are now petitioning for my bankruptcy, and after a phone call to the court in Cardiff, I have a date for the end of July 2010. They also told me that I will be served papers personally before this date, and they would need to be served in person, or a further application would need to be made to serve it through the post…

 

I have a couple of options that I can see with my very limited knowledge.

 

 

• Apply to Lowells or Egg and get another copy of the statements, which would show the last payment made, and hope that it is 6 years or more since last payment etc. (will they send this info again?)
  
• Try and defend myself using the alleged mistakes in the credit agreement. There is an ongoing case(PT http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413) at the moment which is waiting an outcome, which will probably be after my court date??
  

 

I do own my own home which is obviously at risk, but if push comes to shove, I would have to beg\borrow the £2500 from family to avoid being made bankrupt, but really this is a last resort as they are all struggling..

 

If anyone can help me out with this, or make suggestions, or ask any question about information I have missed out I would be most grateful.. I’ll upload various paperwork that I have to hopefully show where I am with this.

 

hoping

[almostfree1]

Uploading some docs, will add others later on... thanks

 

oops having a few problems getting the documents, i'll keep trying..

Edited June 17, 2010 by almostfree1
problems with attachments

[Bazooka Boo]

Can you attach the scanned docs using photobucket or tiny pic, as their too small too read at the min.

[Mistermind]

Apply to Lowells or Egg and get another copy of the statements, which would show the last payment made, and hope that it is 6 years or more since last payment etc. (will they send this info again?)

 

Past statement request should definitely go to Egg. No reason why they would refuse to supply same unless they twig your motivation. If you make this request in the form of SAR they are legally obliged to send same, albeit within 40 days.

 

Egg will likely offer you 2 options, both paid upfront as provided for in law:

 

Just a concertina'ed list of penalty charges for £5,

Or full statements for £10 -- which you need for your purpose.