Stayed EGG loan Claim by Brittanica/Shoosmiths - now sold to arrows - help

[mylonite]

Hi

 

I am dealing with a disputed egg loan on behalf of my daughter,

we have been through succession of DCA’s all have not provided any details of the CCA.

In Sep 2013, a claim was issued by Shoosmiths on behalf of Brittanica in the Northampton CC

which I defended on the basis of no CCA provided under S78.

Nothing more heard until a notification of assignment from Brittanica to Arrow in May 2014,

which we ignored expecting the letters to start again.

This was then followed in Sept 2014 with a request via the Court for a transfer of name

from Brittanica to Arrow global on the Sep2013 summons, which was an automatic grant.

Arrow have now responded claiming to have complied with S78 request in Feb 2012 and June 2013,

which clearly they hadn’t as they only had assignment in 2014, and again demanding repayment.

The CCA supplied is clearly a reconstitution and has the address incorrect and shows PPI which my Daughter has never ever taken out

as her employment was always secure.

I attach the CCA as pdf, I have removed personal references.

I am suspicious of what arrow/shoosmiths are up to,

the last letter from shoosmiths is full of inaccurate dates and claims,

I have meticulously kept a file of all correspondence and so I can verify dates.

But I am unsure of the way this is progressing,

why issue a summons then change name when it’s defended?

Is the CCA enforceable?

What would be their likely next step?

How should I proceed with this one?

 

Thanks In advance for any assistance

[dx100uk]

so she took this out online?

 

 

if so they might try and unstay the claim

as that 'would' be acceptable as a CCA

however where are all the T&C's?

 

 

dx

[mylonite]

She does not remember, and has no paperwork,

 

without going into detail, she had a pretty bad nervous breakdown and is still on meds for it,

I am just trying to wade through the mess,

 

I have succeeded in getting some of her minor debts closed, as the charges exceeded what she owed.

 

All I have been trying to do here is get a statement from them detailing any payments made and any charges levied so that I can work though it.

 

She never took out PPI normally as I had always told her it was a waste of money in her circumstances,

so that has made me suspicious of this one.

 

But most Egg Loans of the time were take on line, but interestingly Archive.org shows a different structure to the application than this one.

 

There was about 7 pages of generic T&C’s included in the letter.

[dx100uk]

sar to Canadian square address time?

 

 

it was very well known that EGG loan site would no allow you to progress if PPI was not accepted

 

 

dx

[mylonite]

That would probably explain it,

 

 

Any suggestion as to how I play this as I still feel that arrow has a hidden agenda?

 

 

Should I SAR them?

 

 

I am out of my depth here so any guidance appreciated.

[dx100uk]

no you sar the OC EGG.

 

 

dx

[mylonite]

OK,

but not sure why as arrow have been assigned everything supposedly,

 

 

how do I keep arrow at bay while I wait for the info from Egg?

[dx100uk]

its subject to a stayed court claim

 

 

not your call

 

 

if they 'want' to unstay the claim

they have to ask the court to do so

and she'll get notification of that from the court

 

 

willy waving me thinks

[mylonite]

Ok, thank you, I will get a SAR off to Egg tomorrow. I may be back at a later date:!: