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    • dx100uk   You are absolutely correct. That's exactly what the wording is! And if that's the case then - happy days for me! However, I thought that:   1. This wording meant the conveyancing solicitor had to tell the council that the house was about to be sold so they were aware!   But you are saying that the council only needs to be informed AFTER the house has been sold? Can I tell the council that? [I think I've seen something on the internet that says I can, rather than the CS] Or do I need the conveyancing solicitor to contact the council?   2. That this wording wasn't a restriction K [as I'd looked at Schedule 4 of the Standard Forms of Restriction] and tried to match my wording to those listed - and thought restriction K was the closest.     3. That this was a non-standard restriction [and that's what the Land Registry told me too and that the restriction was not a Restriction K!!! [see extract below]   Please remember that when applying for a restriction not in standard form:   it must always contain the words ‘is to be completed by  registration’ rather than ‘is to be registered’. This will serve to make the effect of the restriction clear. The term ‘registered’, where used in any of the standard form restrictions, means the completion of a registrable disposition by complying with the relevant registration requirements prescribed in Schedule 2 to the Land Registration Act 2002 (rule 91(3) of the Land Registration Rules 2003), but this statutory definition only applies to standard form restrictions. Please note that we will not accept restrictions not in standard form for registration that contain the words ‘is to be registered’   So I'm confused now. IF it is a restriction K - then the conveyancing solicitor doesn't have to do anything and I can let the council know.   It seems it is dependent on the wording 'completed by registration' and 'is to be registered'???   Below is copied from Martin's MSE.   This relies again on the 'is to be registered' whereas my wording is ' completed by registration' which you say is restriction K and LR says is not.   I need to go to sleep now!   Thanks dx.   Extract from MSE below.   If your property is jointly owned a creditor will not be able to obtain a CO against you, they can only get what is called a restriction. The laws on Restrictions are totally different to Orders, the most important being there is NO OBLIGATION for you to pay any of the proceeds of the sale to the creditor. However, during the whole court process you go through the reference from all parties (especially the creditor) will be to charging order and NOT to restriction. This is done in order to deceive you believing you are stuck with a CO. However, not all solicitors are aware of the law in this regard and it is important that you raise this point with them in the first instance before proceeding with them Quote: Restriction The restriction which can be entered on the register where a charging order is made against one of joint proprietors is in the following form :- No disposition of the registered estate is to be registered without a certificate signed by the applicant for registration or his conveyancer that written notice of the disposition was given to [name of person with the benefit of the charging order] at [address for service], being the person with the benefit of /I]an interim[I/I]a final[I charging order on the beneficial interest of (name of judgment debtor) made by the (name of court) on (date) (Court reference.…).        
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    • you ring you bank    
    • i suspect the charge on the Land registry site against the house reads:   2. (XX.XX.2007) RESTRICTION: No disposition of the registered estate is to be completed by registration without a certificate signed by the applicant or his conveyancer that written notice of the disposition was given to XX Council at P.O. Box XX, STREET, TOWN, POSTCODE, being the person with the benefit of a Charge under Section 22 of the Health and Social Services and Social Security Adjudications Act 1983.   ..............   that is a restriction k and is useless to the council, as all 'legally' your have to do is inform them AFTER the house has been sold . then it's too late money has gone.   dx
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red11

PPI Declined by Canada Sq Operatrions (EGG)

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Hi all,

i'm looking into a few things on my credit file would like some help on the following if poss;

 

1) company called arrow global doing a trace search - question can they do it? and can i remove it off my file?

 

2)EGG PLC - credit card

start date 2004

default placed on 2006

status on my credit file is (U)

question is should this be in existence since its dated 2004?

 

3) EGG bank - loan

start date 2005

default placed 2005

status on my file is (U)

should this be on the file?

 

reason why i ask is that Lowell portfolio has taken these over from egg and placed in 2005 & 2006 defaults of their own.

 

what’s really funny is that on the statutory report i got from Experian.. none of this is visible!

 

what could be the reason of the discrepancies? if any...:!::!::!:

 

thanks in advance

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its the date of default that the 6 years goes from.

 

As for Lowell they often produce there own default dates.

 

But keep in mind you can only be defaulted once for any account.

 

You'd need to SAR Egg to see the correct default date and the last time a payment was made toward the alleged account.

 

First off write to Equifax informing them that the information is incorrect,

they will contact Lowells who more often than not don't reply, s

o after 21 days Equifax remove the data..

 

.......BUT Lowell at any time in the future can re-register the alleged debt with Equifax.

 

The alleged debts you have been defaulted on are coming up to there SB date

so expect one last push from the DCA, if alls quiet from them

 

just contact Equifax as I said above.

 

But make sure you get the SAR from Egg so you know where you stand on dates.

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cheers for the advice,

what happens if EGG do not reply to my SAR?

 

since theres been so much happening with RBS -

 

who are the owners of EGG finance,

i'll give that a go,

 

and in the mean time i will write to Equifax saying that the info is incorrect.

 

cherrs -Red11

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i don't think egg register defaults with experian. they didn't with me, and neither did lowell when they bought the debt.

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may i suggest that you contact equifax and ask them to remove the egg default, as the lowell one is for the same account and they now own it. if you have notices of assignment then send them as proof. equifax said they couldn't remove it without permission from egg but that they'd contact them. egg never replied to their query, so equifax removed it after 21 or 28 days. then once you get your sar reply from egg, look to see if it is enforceable, how many unlawful charges there are, and whether there is missold ppi. this is what i did, and went to town on lowell saying they had no basis to enter a default due to lack of agreement, the value of charges, and mis-sold ppi. also commented on their default failing to adhere to the ICO technical guidance (ie two defaults for one account) and threatened a complaint to the ICO and possible court action for damages for defamation of character. lowell are removing the default. we'll wait and see.

 

once you get your sar from egg, work out what is wrong, ie unenforceable agreement, mis-sold ppi, charges etc.

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Hi all, I found an old bank statement and I used to have an egg credit card, and a loan, this  is a two part question advise.

 

1 - I don’t know if there was PPI of any sort on both - who owns Egg now ? or has it disappeared? 

 

2 - and this is the ugly part at the time I was going through a very difficult separation and I had some Financial hardships and I do Remember that I ended up defaulting this as back in the early 2000 

 

Should I try to look  into this or better to leave it alone ?

 

Thank you 

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no ofcourse not

the card and the loan details are probably held by 2 differing companies now but I would suspect that the CITI 

Canadian square operations centre holds them both still

 

use our custom google search top right

EGG PPI.

then send them an sar

dx

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi dx, thank you, I got the template from the site and i'm about to fill the SAR request, 3  questions,

 

1 - the SAR template makes reference to Account number/Reference Number, I don't have any, can I still send the SAR without?

 

2 - EGG seems to have Split the loan business and Credit card I assume that I need to send 2 SAR's? and does anyone know where I can find the address where to send the to?

 

I filed the Canadian Square Operation to find details, but if we find anything we will comeback!

 

3 - what time limit in terms of searches shall I put in the SAR, is 2000 till 2010 too much? I mean that's the period I had those EGG products. loan and credit card.

look forward to hear back.

 

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1.yes you don't need a/c no's really it for everything they hold on you..

 

2. just send ONE sar to:

Egg Customer Relations Office

Canada Square Operations

PO Box 4903

Worthing

BR99 3AR

 

0800 358 2101 - Egglink3.gifPPIlink3.gif/canada square operations

 

3. don't state a period.

 

don't forget CTAX copy if you've moved 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi dx, thank you for the advise and glad to report that all sent everything ( SAR, CT bill, and all previous addresses) off via reordered delivery.  

 

let see what comes out - as I sent everything off today I should receive a reply in a month time. hopefully I won't need to chase.

I have a reminder for the 10th of May on my phone.
 

I will keep you posted on events..

Cheers

 

Red11

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Please do.

The closer we get to the cut off point in aug..the more we will need to quicken getting claims in.this will good practice


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi Everyone

, keep up the good work

 

, Need some views/help here.

 

back in April March last year I submitted a claim for PPI against Canada Sq Operations who are in charge regarding  the PPI for EGG.

 

I used ReclaimPPI.co.uk which worked with HSBC and AMEX-  so I did the same for EGG and my Citi group credit card.

 

Months and months went by, Canada Sq Ops admitted that I had PPI. But now they have written back to Reclaim PPI saying the following

 

"Canada Sq Ops are not able to respond to the information request because my details on my letter of Authority do not match their records, and do to the FCA deadline, I cant resubmit the details.

 

1st what can I do

I know I'm owed money

 

, I had a card and a loan back then

not huge

but in the region of 5K and I was paying PPI

2nd can they do that?

 

 

cheers

 

red11

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Any thoughts/views ?

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Hi.

 

Weekends are always quieter here. Please bear with us and I'm sure people will be along when they're able to.

 

HB


Illegitimi non carborundum

 

 

 

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Threads merged

Why did you use a cmc?

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Simply for a reason convenience since they where successful with HSBC and AMEX, I thought i'll keep using them

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but you could have done all of them for free with our help, it's dead easy  and made a donation to us...rather than losing upto 40% of your refund too them .

 

you are paying the CMC to do the work... but ask questions to us???... don't make their life easy..!!.

 

if the claims were registered for each account before the august deadline with CSO by the CMC,  the letter from CSO now stating you are too late is wrong.

 

as for the letter of authority...if you've moved since taking these out, the details will be wrong.

 

harking back to the start of the thread and the SAR, it informs you what to do in the situation if you have moved , but ofcourse the useless CMC didn't even bother to check that….what the beep are you paying them for if they create these issues by their incompetence...money for doing nothing...

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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thanks dx, I hear what you are saying on the CMC. They did some good stuff for me while I was out of the country and physically had to lean over them for assist. Saying that, they only take 10%.

 

so my next step is what? Take this up directly with Canada Sq Ops? If so what type of letter should I be writing? And can they turn around and say sorry but you can’t claim? 
 

cheers 

 

red

 

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did the CMC register a Misselling complaint for this claim before the deadline?

little point if they didn't.

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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The CMC only enquired as to the fact that if there was PPI in the EGG account, the reply from Canada Sq ops took till early October. Then I was asked to fill in a questionnaire, sent back on the 14th of Oct. and now over the weekend I got a reply I’ll add the email  here to give you a view. Of course I have removed my name and account. 

 

“Identification needed for your Canada Square Operations PPI claim“

 

Dear Mr *******

Customer reference: ****** Canada Square Operations

Canada Square Operations have told us they are unable to respond to our information request because your details on our Letter of Authority do not match their records. This is not unusual, particularly if the records relate to borrowings taken out many years ago. Sometimes it is because a customer has moved house or changed name since taking out the credit.

Due to the FCA deadline of August 29th 2019, we are unable to resubmit any details to Canada Square Operations, and so will no longer be working on this particular claim.

If you have exceptional circumstances (such as being seriously incapacitated, suffered a bereavement of a spouse or a child or you or your spouse/child were suffering from a serious long term illness), you may wish to approach Canada Square Operations directly with the documents below. However it is highly likely that the lender will be looking for evidence of those special circumstances. The FCA announced their decision to set a time limit of August 29th 2019 almost 2 years ago and has been heavily covered in the press in that time. Any special circumstances may need to cover that period of the last two years.

  • Proof of your current address, such as a recent (dated within 3 months) utility bill or bank statement, or a council tax bill for the current tax year.
  • Proof of your change of name, such as a Marriage Certificate, Decree Absolute or Deed Poll.
  • Proof of your signature, such as a valid Passport or Driving Licence.

 

Please note that you will need to do so before the FCA deadline of August 29th 2019 to avoid missing out. 

Want an update on your other claims?

Visit your Claims Tracker to get an update on your claims.

Kind regards, 

Simon Mayo 

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Dead in the water then


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ok thanks. 

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