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    • Dear All,   BN - Thank you for your comments.    My wife had prepared the relevant notice to the court and rather than spending time redacting I am sending it as PM to the contributors to this thread. It covers everything we have been discussing and is in line with  your comments and our discussions.   For the benefit of readers oif CAG I will redact and post it later as we have pressing family medical matters to attend to.    Warm regards BF  
    • Maybe have a third chamber, The Peoples' House 😃
    • Thanks for the images. It's shocking. This more than ever reinforces my view that you should take this to court. The number of people they must be fobbing off with this three months story is incredible – and they need pulling into line. If you simply complain to the CEO then they may sort out your problems – but the rest of it will go on as usual. They need something very serious here. In fact, I would think about suing them for £200 because I think that once they realise about the mistake they are making, they will be extremely anxious not to go to court. On the basis of this, I'm afraid I don't think I would even alert the CEO. I would send a letter of claim which will probably simply be seen by drones – and then issue the papers. I think you have an easy win on this case. Also, once they realise that they are dealing with a court case, they will look at the whole situation more carefully and they will probably sort out all of the problems at the same time. If they don't, then these two have laid down your marker and they will know that you're not mucking around and they will take you seriously.
    • These are the two incidents from Virgin Chat where their Live chat has informed me of the 'only 3 months' decision.... 15 April was the date they acknowledged receipt of my SAR. Apparently anything from before that date can't be included!
    • You could try both routes at the same time. Send your letter of claim by email to the CEO email address. Confirmed by letter. That way you have communicated with the CEO – but given a very definite deadline and a very definite promise as to what will happen if they don't comply. Then on day 15 sent the claim. Don't make a threat of legal action if you don't intend to carry it out. Don't bluff – but it is very easy to do
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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me & my Egg Credit card & Loan & reclaiming


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That's fine thanks

 

If any on those debts are overdraft debts this advice does not apply

 

For the other debts that may be loans/credit cards/hp agreements, do you know if you have paid any late payment/overlimit fees/ Payment protection insurance.

 

If so we can help get them refunded (the PPI if it was mis-sold)

 

If you don't know or haven't got all your statements, it would be worth sending each creditor a Subject Access Request. OK, they cost a tenner each but you never know what juicy information they would bring back.

 

With CCCS, did the creditors agree to freeze interest and charges?

 

Of the £22K I still owe to my creditors, my biggest debt is to Egg Banking to whom I still owe £7K. I just found out from their statement that my initial advance was £8K and £1171.84 RPI. I don't know whether it's £8K plus £1171.84 RPI or was the RPI included in the initial advance. Either way, can I claim the RPI back and if so, how do I go about it?

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When did you take out your Egg Card and have you every sent a CCA request to see if they have an enforceable agreement?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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According to my statement it says £8K cash loan taken out 16 October 2003. I have another debt with them, which is for an Egg Card. I'm not too sure when I took that one out but it's at least 7 years old. The original balance was £1,833.39 and the current balance is £1704.69. The loan is still with Egg Banking, but I received a letter last week from Arrow to say they are taking over the debt on 11 July. The Egg Card was taken over by Moorcroft about six years ago.

 

What is a CCA request?

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Apologies for not replying yesterday. I was out all day (although it wasn't originally planned that way :|)

 

In the library-top left- are loads of letters to get copies of data/statements/agreements

 

With Egg, I would advise a Subject Access Request (SAR). This should get back all your date for both the loan and the credit card.

Chances are they will come back and say they don't keep data beyond 6 years. Rubbish! they have to keep all documentation for the life of the agreement and for a further 5/6 years after the account(s) are closed.

Some of these companies don't send agreements out under a SAR but when you send a Consumer Credit Act (CCA) request, they have an obligation to send out a copy (or reconstruction) of the original agreement. If they fail to supply within 12 working days (from receipt) you can put the account into dispute and withhold payment until they comply

 

So, send a SAR to Egg for both the loan and card. Give both account numbers and it's £10 only. I would send a postal order for this

 

With Moorcroft, send a CCA request.Enclose a £1 postal order. They may refer you back to Egg but if they do we can help.

 

As the loan hasn't been transferred to Arrow as yet, I would suggest a CCA request go in the same envelope as the SAR you are sending to Egg. Enclose a separate £1 postal order to cover this

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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And don't sign them, just print your name or leave it blank. My SAR's and CCA's have been accepted without signature.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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You are right. The other 3 defaults I have are in 2005 and 2008. So my concern is if I send an SAR and a CCA to Egg and Moorcroft, can they reinstate the defaults on to my file even though the defaults are over 6 years. I am particularly concerned about Arrow because as far as they are concerned this is a new debt and they could register it as a new debt. Or am I wrong?

 

One default per debt-nothing more. If anyone was to file a new default for any debt that has already been defaulted (although fallen off your file) you could get them a metaphorical slap

The other thing that I can't understand is what is technically called 'Credit Rating'. Experian have rated me 'Good' with a score of 900, yet Equifax who show the exact same information as Experian, rated me 'Very Poor' with a score of 292. Can you understand this?

 

Unfortunately, all 3 CRAs follw different processes. Be thankful that most creditors use Experian for their credit checks

 

 

By sending a SAR and a CCA to egg won't make much of a difference neither will sending a CCA to moorcrap

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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OK, wish me luck, I'll be sending them off tomorrow. In the meantime allow me to give you a hearty thank you and a big hug for the tremendous service you provide to people like me who are ignorant of their rights. If it wasn't for people like you, we would all be trodden over by the big guys and be in deep sh*t. I'll be back to you in 12/40 days.

 

Just one last thing. Egg informed me that my Egg loan will be transferred to Arrow from 11 July and the letter I received from Arrow informed me that Egg Banking has assigned the loan to Arrow, effective 10 May. How do I square that one up?

 

Best wishes.

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Just one last thing. Egg informed me that my Egg loan will be transferred to Arrow from 11 July and the letter I received from Arrow informed me that Egg Banking has assigned the loan to Arrow, effective 10 May. How do I square that one up?

 

Best wishes.

 

Generally, I see it as one hand not knowing what the other is doing.

I would ignore Arrows dates and stick with the Notice of Assignment

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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There is a difference between assigned and bought. What does the NOA letter say exacty?

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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There is a difference between assigned and bought. what exactly does the NOA say. Mine from Egg said bought. If bought you will actually find things easier to deal with if you are undertaking a payment plan. If assigned ignore communication from Arow and continue paying EGG what you have agreed to pay (IMHO)

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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According to my statement it says £8K cash loan taken out 16 October 2003. I have another debt with them, which is for an Egg Card. I'm not too sure when I took that one out but it's at least 7 years old. The original balance was £1,833.39 and the current balance is £1704.69. The loan is still with Egg Banking, but I received a letter last week from Arrow to say they are taking over the debt on 11 July. The Egg Card was taken over by Moorcroft about six years ago.

 

 

 

What is a CCA request?

 

are you telling me that over six years of paying you have only paid this miniscule amount of this egg card...i smell a rat here...a cca request is a request for your consumer credit agreement..without it these scumbags cannot enforce their debt in court....chances are there is no cca on this card now and you could then theoretically stop paying on it.....i dont understand if you are in a ccs how you are still paying after 6 years, and i would certainly be asking the company taken the money some questions as to why...

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I suspect this is another one where CCCS didn't request the interest be frozen. You need to SAR EGG to see what charges have been applied to the account. I didn't pick this up - its a shocker.

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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There is a difference between assigned and bought. What does the NOA letter say exacty?

 

I'm not sure how to attach the letter from Arrow so I'll print what it says-

 

NOTICE OF ASSIGNMENT

 

"We advise you that Egg Banking Plc has assigned all of its respective rights, title and interest in respect of the above referenced account (including the right to receive payment of the outstanding balance) to Britannica - Arrow, effective 10 May 2011.

 

The letter from Egg Banking says - Your Egg Loan will be transferred from Egg Banking plc to Britannica Recoveries S.ar.l., acting in the name and on behalf of its compartment "Arrow" (Britannica - Arrow) and will be serviced by Arrow Global Receivables Management Limited. This transfer will take place on 11 July 2011.

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hi i have a loan from greenwood going back to 2002 still paying it was passed to ck edrupt and asked for copies of credit agreements which they sent back in 2009 i phoned them today to ask for a settlement figure which they gave me but they said i had 3 agreements with them they only gave me copies for 2 i have asked for the other agreement but they said cos its an old debt they might not have a copy to send me can they still make me pay as they are all bundled together into one payment thanks glen

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Hi Cooldad, you need to check the other 2 main CRA's to get the picture, the reports often vary,

some companies will use just one CRA exclusively others 2 and some all three main agencies.

At the moment I would leave it at the SAR to Egg as Siver Fox advised earlier.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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are you telling me that over six years of paying you have only paid this miniscule amount of this egg card...i smell a rat here...a cca request is a request for your consumer credit agreement..without it these ******s cannot enforce their debt in court....chances are there is no cca on this card now and you could then theoretically stop paying on it.....i dont understand if you are in a ccs how you are still paying after 6 years, and i would certainly be asking the company taken the money some questions as to why...

 

I phoned CCCS today to get a better picture.

 

They told me when I started with CCCS in April 2004, my debt with EggCard was £1875.

 

When Moorcroft took over in November 2004 it was supposed to be £1833.

 

From April 2004 to present I have paid £465.

 

They told me to get a balance from Egg Card when they passed it on to Moorcroft in November 2004

cos they reckon Egg Cards laid on the interest charges until they passed it to Moorcroft to get as much as possible before passing it on.

 

I've sent a CCA request to Moorcroft and Egg Card yesterday as suggested by Silverfox, so now it's a waiting game.

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hi i have a loan from greenwood going back to 2002 still paying it was passed to ck edrupt and asked for copies of credit agreements which they sent back in 2009 i phoned them today to ask for a settlement figure which they gave me but they said i had 3 agreements with them they only gave me copies for 2 i have asked for the other agreement but they said cos its an old debt they might not have a copy to send me can they still make me pay as they are all bundled together into one payment thanks glen

oops no paperwork..theoretically no pay...they cannot enforce this particular debt in court without the paperwork...personally i would tell em to sod off on the 3rd one

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The paper work it seems to me was provided in 2009 as stated in the quote above.!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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If the 3rd debt has no agreement produced it remains in default of the CCA request.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Apologies for not replying yesterday. I was out all day (although it wasn't originally planned that way :|)

 

In the library-top left- are loads of letters to get copies of data/statements/agreements

 

With Egg, I would advise a Subject Access Request (SAR). This should get back all your date for both the loan and the credit card.

Chances are they will come back and say they don't keep data beyond 6 years. Rubbish! they have to keep all documentation for the life of the agreement and for a further 5/6 years after the account(s) are closed.

Some of these companies don't send agreements out under a SAR but when you send a Consumer Credit Act (CCA) request, they have an obligation to send out a copy (or reconstruction) of the original agreement. If they fail to supply within 12 working days (from receipt) you can put the account into dispute and withhold payment until they comply

 

So, send a SAR to Egg for both the loan and card. Give both account numbers and it's £10 only. I would send a postal order for this

 

With Moorcroft, send a CCA request.Enclose a £1 postal order. They may refer you back to Egg but if they do we can help.

 

As the loan hasn't been transferred to Arrow as yet, I would suggest a CCA request go in the same envelope as the SAR you are sending to Egg. Enclose a separate £1 postal order to cover this

 

You are quite right Silverfox I just received a letter from Moorcroft saying "We have approached our client with regards to the request who have confirmed that to obtain a copy of this agreement you must put your request in writing to the following address: Egg............." (I wish I knew how to attach this letter so you could see it)

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Can I Anyone advise me what I am supposed to do next. Silverfox said if Moorcroft refer me back to Egg, somebody should be able to help me.

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Can I Anyone advise me what I am supposed to do next. Silverfox said if Moorcroft refer me back to Egg, somebody should be able to help me.

 

I think you mean the Moorcroft have asked EGG to provide them with a

copy of the agreement which they will then send to you they have 12+2 days to comply.

The SAR request sent to EGG takes up to 40 days to be provided, so until you get the

documents it's a waiting game.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I think you mean the Moorcroft have asked EGG to provide them with a

copy of the agreement which they will then send to you they have 12+2 days to comply.

The SAR request sent to EGG takes up to 40 days to be provided, so until you get the

documents it's a waiting game.

 

No that's not what I mean. As I wrote in my last reply, Moorcroft sent me a letter stating, "We have approached our client with regards to the request who have confirmed that to obtain a copy of this agreement you must put your request in writing to the following address:

Egg........"

 

If you have a look at Silverfox's reply, he said that "With Moorcroft, send a CCA request. Enclose £1.00 postal order. They may refer you back to Egg but if they do we can help."

 

Well this is exactly what has hhappened, they are now referring me back to Egg and have returned my £1 postal order. I was hoping Silverfox could help me and let me know what to do next but he seems to have disappeared off the radar.

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