Time to get a move on with Egg Credit Card

[Smackbat]

I'm just looking for a little advice or some pointers to other threads with a similar situation.

 

I took out an egg credit card back in 2000.

 

I was pretty useless with the repayments and got into all sorts of trouble and finally I defaulted owing about £3,500.

 

I then didn't hear anything other than the odd letter every 12 months,

but I was moving house quite regularly and they never caught up with me.

 

I filed for all my statements years ago and have all the relevant paperwork to now claim back, or reduce the money I owe.

 

I sent the standard claim form off and received a standard response saying at the time the online sales process:

 

 

Did not require you to take repayment protection insurance as a condition of obtaining the card.

• Did not provide an advisory service
  
• Required you to positively confirm that you wished to purchase this policy during the online application
  
• Provided full terms and conditions of the policy and requested you read them before submitting
  

They have now closed the complaint and I have 6 months to raise the complaint with the fos.

My questions are

 

1. Has anyone else had this response and won
   
2. can anyone provide me with the links to the threads where they have won
   
3. As I owe £3,500 and by my calculation the PPI + Charges + interest = just over £3,500 can I get the full amount cleared and the black mark on my credit score removed?
   

Many thanks all, I really hope someone can help me as we are expecting our second child and I need to be able to get a mortgage.

Thanks

[dx100uk]

what is the defaulted date on the cra summary?

 

seems pretty pointless if its due to drop off soon. [6yrs]

debt will be dead I bet?

 

then the PPI will goto you.

 

there are several egg threads where by it was known the ppi box was pre ticked

and you could not progress if you unticked it.

 

dx

dx

[Smackbat]

The date of the CCJ on my CRA file is 2009.

 

I really do need to fight this, especially as I distinctly remember phoning them at some point and requesting the payments stop. Only for the to start again a few months later - this is reflected in the statements as well if I remember correctly.

[dx100uk]

CCJ? where's that come from...you need to tell us the whole story please!

 

did you know about the court claim?

 

defend it?

 

or ignored it?

 

doesn't matter what you do with PENALTY charges or PPI reclaiming

that ccj will be there till 2016 regardless

that'll kill the mortgage stone dead on its own!

 

dx

[Smackbat]

Sorry. I believe I'd moved house before the CCJ and therefore don't recall anything about it - I think the letters would have been sent to an old address.

 

If I am disputing the debt, and the CCJ was for an amount that gets proved to be wrong, can I then not make a case to have the CCJ removed?

[dx100uk]

not sure

 

i'd doubt, it.

 

you certainly need VERY good reasons to get a CCJ set aside.

 

the paperwork being sent to the wrong address could be a reason as could the claims.

 

i'd have to ask

 

dx

[dx100uk]

did you inform cap1 you had moved before the start of the legal stuff?

 

dx

[caro]

Please bear in mind that if you get the judgment set aside you still have to fight the original claim and if you lose could be liable for costs and a brand new CCJ on your file for 6 years.

 

I would be inclined to claim the ppi and charges with a view to using it to satisfy the CCJ.