John_DebtFree v Egg / Arrow

[John_DebtFree]

Can anyone please advise regarding an Egg loan.

 

Account opened: December 2005

Last payment: August 2010

Date defaulted: May 2011

Original amount: £9000

Current balance: £3500

 

I recall that the application was done on-line, but they also sent me paperwork to sign before the monies were paid into my bank account.

 

I lost my job about 5 years ago and

 

I did send a CCA request and when they sent my fob off letters,

 

I used the template letters to put the account into dispute.

Since then I have received an annual balance statement but hey haven't actively pursued the debt.

 

It is now with Arrow, who also hold cira £20,000 of my debt form other organisations,

the other debts being post April 2007 debt that is also not being chased.

 

Given that I am already half way through the 6 years to statute barred

- should I leave this alone or make them a full and final offer of £350?

 

Do I risk them coming after me for the full amount of this and the other debts?

[dx100uk]

if they are not chasing you then i'd let things sleep.

 

you 'could' start to amass data

by sending some SAR's

 

then p'haps investigate PPI/Penalty Charges?

 

dx

[John_DebtFree]

Thanks for the advice. I am unsure if I should let it lie, but I am keen to try and get things in order.

 

Could the SAR go to Arrow or Egg (wherever they are these days)? I dont think that I paid PPI if that would influence the decision in any way.

[citizenB]

Subject Access Request should be sent to the Original creditor.

[dx100uk]

Canadian square address too

 

dx