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Time to get a move on with Egg Credit Card


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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

<(o.o)> Smackbat

 

:) Smile.co.uk - £4,400 WON 12/10/06

:)Smile.co.uk - £156 WON Feb 07

:)Smile.co.uk - £280 WON 25/06/07

:mad: Egg PLC - £3,420.72 - Defence filed 24/06/07

:? Alliance & Leicester - DPR Request sent

:? Woolich PLC - To Start

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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

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.

<(o.o)> Smackbat

 

:) Smile.co.uk - £4,400 WON 12/10/06

:)Smile.co.uk - £156 WON Feb 07

:)Smile.co.uk - £280 WON 25/06/07

:mad: Egg PLC - £3,420.72 - Defence filed 24/06/07

:? Alliance & Leicester - DPR Request sent

:? Woolich PLC - To Start

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Share on other sites

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

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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?

<(o.o)> Smackbat

 

:) Smile.co.uk - £4,400 WON 12/10/06

:)Smile.co.uk - £156 WON Feb 07

:)Smile.co.uk - £280 WON 25/06/07

:mad: Egg PLC - £3,420.72 - Defence filed 24/06/07

:? Alliance & Leicester - DPR Request sent

:? Woolich PLC - To Start

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Share on other sites

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

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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