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Apex has passed account back to Egg, cos no agreement

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Hi all,

 

Its only a very small victory, I know, but I got a lovely letter from The Apex Credit Management & Bulls*!t Production Company today telling me that Egg could not provide them with the signed credit agreement, or the default notice that was allegedly sent before assignment and therefore have returned the account to Egg and removed all CRA activity they have put on!

 

Is there anything that I can claim from Apex (like all the payments I have made to them) to donate to CAG?

 

I couldn't have got this far without reading the excellent advice from this site and would love to give back somehow...

 

I still have my MBNA struggle and realise that I will soon be dealing with Egg again, but I SAR'd them yesterday and am not expecting anything new. It is just so lovely to get rid of the DCA, I find the original lenders much easier to deal with.

 

Didn't think a bit of happy news would go amiss here!

Feel free to comment

 

RobboM

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cor...well done!!!

 

you need to post this is the egg forum too

 

there are lots of those issues there, this will give hope to people

 

sadly there is nowt i doubt you can do to get back all the 'gifts' you have paid one of our favourite fleecing agaents...

 

dx waves to the 3 guests......unlucky apex...lost again...

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi all,

 

Its only a very small victory, I know, but I got a lovely letter from The Apex Credit Management & Bulls*!t Production Company today telling me that Egg could not provide them with the signed credit agreement, or the default notice that was allegedly sent before assignment and therefore have returned the account to Egg and removed all CRA activity they have put on!

 

Is there anything that I can claim from Apex (like all the payments I have made to them) to donate to CAG?

 

I couldn't have got this far without reading the excellent advice from this site and would love to give back somehow...

 

I still have my MBNA struggle and realise that I will soon be dealing with Egg again, but I SAR'd them yesterday and am not expecting anything new. It is just so lovely to get rid of the DCA, I find the original lenders much easier to deal with.

 

Didn't think a bit of happy news would go amiss here!

Feel free to comment

 

RobboM

 

well done mate


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Thanks Guys, CAG take all the credit (if you excuse the pun). (- not only smiling now, I even cracked a joke!)

 

I sent an SAR letter in at the end of July, queried the return and that was it. I didn't do much really. They were so quick replying, we knew something was up!

 

However. Apex admit in the letter that they have known since April that this was unenforceable and didn't tell me. Isn't there something in CCA1974 that they have to let us know?

 

I'd appreciate advice from somebody knowledgeable in these matters as I intend to make waves if this is correct.

 

Many thanks

 

RobboM

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i think there is

i think its a £1000 a throw fine for compensation for every default or marker they have unlawfully placed on your CRA files.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks DX,

 

Do you or anybody else know if there is a statute or case law that covers it?

 

Thanks

 

Rob

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urm...

there is certainly threads on it.

 

just check the CRA sites faq's it might even be there

i'm rather busy

but if you type in £1000 in advanced search for posts

 

you'll find it mentioned im sure

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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