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    • 8/6/20 work commenced on our development land (outline permission granted in 2005) by UU to remove a leaking 4mt, 21" diameter section of damaged ACM pipe resulting in an excavation approx 8m diameter and 5mt deep.   10/6/20 Pipe broken up into smaller sections by digger bucket (2 main sections)to remove from hole, some debris was left in the hole, no PPE, RPE or adherance to COS regs (admitted by contractors)   10/6/20 Damaged pipe sections placed back into excavation at depth of 3mt and then the ACM was totally smashed up by the digger into hundreds of small pieces of debris and buried under the cover of night.  Again no PPE, RPE or adherence to COA regs.   27/7/20 Raised concerns of burial of asbestos on development land rendering it useless and valueless as believed to now be contaminated land.   28/9/20 2nd excavation commenced to remediate the land, works carried out ineffectually, ie not hand picked, but soil removed with a digger bucket and shaken and only large pieces which rose to the top removed for waste removal.  The spoil in the bucket that was left was then placed on the ground unprotected from the clean ground and then all that soil was replaced in the excavated area after large pieces removed.   11/10/20 Found 3 pieces of asbestos debris (differing sizes) lying loose on the land intimating that the excavated area is not clean based on the sizes found. UU advised and visited site but no intention to investigate further the excavated area. Requested a 'clearance' cert from UU or weight of asbestos waste removed to compare to weight of intact section of pipe. We require this  to apply for full planning permission on the site. UU will not provide although they have provided fibre tests showing no asbestos found.  We have now found approx 12 pieces of asbestos debris (without searching for it) all differing sizes.   9/11/20 Referral to Environmental Health, HSE, Ofwat and CCW.  HSE, Ofwat and CCW cannot help.   3/8/21 Envronmental Health Manager, local authority has now taken on the case and is investigating under the Environmental Protection Act and this will hopefully result in UU clearing the land under their notice.   Very brief bullet points there has much discussion between all of these dates. I have today requested an SAR from UU.   Question: What are we able to claim for against UU? (assuming the land is cleared by them under notice from Environmental Health) Breach of duty of care? (they have admitted to this) Fixed expenses we have incurred, ie, Solicitors costs (prior to case being taken on by our insurers), Civil engineer costs in locating  the pipes and marking with GPS coordinates, damages to driveway Delays to development plans? (currently we have only been to commence building one property on a site of 4 until this is rectified, the local council have advised that until we have the clearance certificate full planning permission would not be granted) Compensation for negligent actions?  Thank you
    • Well done for being on the ball and self helping!!.   Dx
    • I noticed that thread is sev years old. We might have moved on    Let @FTMDave advise    Monday will be fine. Don't sweat you are a litigant in person with certain leeways. Not that you need them mind.   dx        
    • Hello,    After a year and a half I have had my LBC and I am preparing the letter the forum has  advised people to send. I will post it here later today. vcs lbc.pdf
    • I had Friday 29th in my mind so that I would get it  and not miss the Monday deadline. Is that the best course of action? Any thoughts from the forum on my plan of 'prove I'm the driver' idea? Is this silly or worth doing? 
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Egg Loan details correct?


Master Chief
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Hi All,

 

 I have discovered a issue with an Egg loan that I've been paying off since forever and I think they have stuffed me on the starting balance.

 

Getting to the point of my post, I took an Egg loan for £4000 in February 2001, paid it for 7 months before becoming unemployed and defaulting on the loan.

Much happened at this time and I ended up moving a lot as well as being technically homeless.

 

I finally got settled and entered into an IVA with Eversheds for £5.00 per month in June 2005 and have since been making payments.

 

My issue is that having paid over £2,900 the balance is still in the region of £3,147.86!

 

I DSAR'd Egg back in 2011 and have the information in the attached PDF.

According, to their own information they defaulted me 29/04/02 when the balance was £3,697.39 and marked non-acrr.

The balance remained the same, or at least no changes shown until 20/11/02 when a £60 "Waive Fee" and £226.04 "Bad Debt Charge Off" fee increasing the balance to £3,983.43

 

Next change is when the loan account is sold to Arrow and the balance becomes £4,859.43!

 

Opinions and advice very welcome!

 

 

 

EggLoan.pdf

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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thread retitled and moved to the EGG forum

  • Like 1

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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  • dx100uk changed the title to Egg Loan details correct?

Accounts currently being merged to Master Chief 

 

The balance owing is  £3,697.39  less £2,900 payments.......no such terms as a £60 "Waive Fee" and £226.04 "Bad Debt Charge Off" and a DCA cant add a penny.

We could do with some help from you.

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Hi

 

Have you received any monthly statements for this account?

 

Dont worry its very unlikely they would be able to enforce anything.

 

I mean any more statements, they cant charge any more interest if they have not. CCA 77a?

 

What happened to the IVA? Are you now on a DMP

  • Like 1

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Send them a cca request.

Dx

  • Like 1

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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@Peterbard

 

There are some statements I'm sure, what's the relevance?

 

I say an IVA, I just agreed to pay them £5 per month to start which has increased along the way. All can be seen in the linked PDF posted earlier.

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi @dx100uk, I thought the CCA was page 1 & 2 in the linked doc, provided to me by Egg as part of the DSAR.

 

May I ask why a CCA request is the way forward to challenge the balance?

 

thanks.

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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if arrows don't have an enforceable agreement..

keep what egg provided years ago to yourself

 

thread tidied

 

as andyorch says..your balance is about £700 if that's even true

 

 

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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9 hours ago, Master Chief said:

@Peterbard

 

There are some statements I'm sure, what's the relevance?

 

I say an IVA, I just agreed to pay them £5 per month to start which has increased along the way. All can be seen in the linked PDF posted earlier.

If it was an IVA it would have effected your property. Easy to get in not so to get out, whereas an agreed arrangement you can just walk away

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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9 hours ago, Master Chief said:

Hi @dx100uk, I thought the CCA was page 1 & 2 in the linked doc, provided to me by Egg as part of the DSAR.

 

May I ask why a CCA request is the way forward to challenge the balance?

 

thanks.

Yes it seems to be. These were challenged in  appeals some years ago, because the term for Total Credit read "Limit" or some other . There were also other prescribed term issues, sadly it failed, and I dont think they have been challenged since.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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