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Hoist sent MSDW CCA for EGG card debt!

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Received a letter from a DCA acting on behalf of another DCA claiming that I owe an old credit card debt.

 

Sent the prove it letter as I do not recall having this debt,

they've taken best part of 6 weeks to come back to me with a letter that states they can prove the debt and have enclosed the signed credit agreement.

 

Long and short of it,

the credit agreement is signed by me and is legit,

but it's for a completely different lender?!?!

 

They've tried to obscure the lenders names so that I don't notice,

but there is small print showing the lender, so i know it's not correct.

 

My question is,

can I get these guys in a big way,

as they are basically fraudulently trying to back me in to a corner to pay with false paperwork.

 

What kind of steps should I take next please?

 

Many thanks for any advice given.

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You can't, on the present circumstances.

 

However, you can say "Ahh, well, if you believe I owe it, by all means take it to court, and I'll let the court decide on the sworn statements and evidence.......". If they are then dumb enough to enter a fraudulent document in support of a court claim, the court MIGHT decide that was perjury or contempt ..... and then they are off to the races!.

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Hmmmmmm, not sure that going all the way to court is something I can motivate myself with right now, as much as I would love for them to drop themselves in it.

 

What should my reply be in this instance, as I've not seen any of the standard replies cover this kind of thing before?

 

Many thanks.

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What's the debt all about?

 

Name names and scan up the return to one multi page PDF

Read upload

 

Next time ignore them

Prove it letter is pointless now a days


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Egg credit card, purchased by Barclays apparently, passed on to a DCA and now on to Robinson Way.

 

Sent me a signed credit agreement for Morgan Stanley card which I had years ago.

 

God knows how they got a hold of it mind you?

 

They've used A3 paper for the credit agreement, to allow them to place things conveniently over the Morgan Stanley words to obscure.

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Morgan Stanley Dean Witter Cards became Goldfish (Briefly) then became Barclays...just so your aware.

 

 

Andy


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scan it up please

 

I bet they've sent the 620000 T&C's?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks, Andy.

 

The DCA states Egg as original creditor and supposedly supplied the Egg agreement, except it isn't!

 

I'll try and take a picture with my phone and then convert to PDF, think I can do that.

 

scan it up please

 

I bet they've sent the 620000 T&C's?

 

Signed portion of agreement, huge on A3 to remove most of it and some obscured Morgan Stanley terms. Basically not Egg, whom I apparently owe the money to based on the document!

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read upload it tells you

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Here you go. The main part, which is the Morgan Stanley Agreement, as i said, the dispute is for an Egg card.

Agreement.pdf

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Yes thats a MSDW agreement...no sign of an egg anywhere :wink:


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So what do I reply?! Such a random position to be in, unless this has been done before? They've long convoluted letter about putting the account on hold for 30 days for me to reply, as they've now provided evidence to prove the debt?!

 

Thanks

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What date is on the MSDW agreement...and what date is the alleged Egg agreement for ?

 

Have you ever had a Egg Agreement?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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As these forums are monitored, I don't really want to confirm or deny any possible past agreements with any possible past lenders.

 

Is further info needed?

The credit agreement is not correct to the lender, as the pdf shows.

 

Normally I would ignore if I had submitted a CCA and they failed to supply, but this is unusual.

 

I just wanted to establish if a reply is required and of what nature, I don't want to get in to letter ping pong if possible.

 

Thanks for your replies.

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wont hurt andy times have moved on now


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Well simply ignore them anyway......as you know they dont have the correct agreement.

 

But should they issue a court claim in the future then you will have to divulge information..assuming you want assistance in defending the matter.

 

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Please don't think I was being standoffish, was not the intention, I just want to be careful as such.

 

Getting close to statute on a couple of bits, last thing I want to do is stir the hornets nest.

 

So best ignore, rather than highlight the error?

 

I'm assuming that it's an intentional error as such, hoping that I wouldn't notice.

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or baiting you to reply BECAUSE of the deliberate error


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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That's a good point actually.

I will wait out the 30 days and see what comes next.

I'll update as and when I hear more.

 

Thanks all again for your help, always appreciated and your time.

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