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Help I Need advice on PPI mis-sold...Urgently!


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I received copies of 3 loan agreements and 1 credit card agreement from Egg today. Just the agreements, one of which I don't recognise and know I didn't sign....

All of these are listed with experian as settled....

the one they cannot supply the CCA for is the one they are still asking me to pay.

They started this loan, No agreement and are trying to enforce it.....lol

They never even gave me the loan amount they say i owe them....lol

They have had me thinking I am still paying one of the settled loans.....

Am I correct in saying I can ask for all my payments back for this loan if they cannot prove it ever existed??

As there was never an agreement??

Also were they supposed to send terms and conditions and statement showing what is still owed??

Cheers...

russ

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you might find this useful....

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-815894.html

 

dx100uk:)

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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cheers dx100uk......

I was going to send a notice to them letting them know they may have committed a criminal offence....and that it is being reported to trading standards, OFT and the FSA...

I was just trying to find out under what legality, I could ask for all the money paid to them so far, back!

They have listed that I have paid them £4400 back on a loan that I never signed an agreement for.....

I just want to use the law the same way they have done to me to stitch me up....

If they cannot enforce an agreement because they don't have one, what legality allows me to ask for the money back????

Cheers....

russ

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  • 1 month later...

Had a few more things happen since I last posted....lol

Moorcroft have started threatening me again by phone, letter.....

They even swore at me again on the phone and failed to tell me who they were when they called me....

After calling EGG by phone I have informed them of their failure to fullfill my CCA request....

The nice peron I spoke to is for the first time actually looking into my complaint personally....

They have put a muzzle on Moorcroft until 30th June....

Today I received a copy of a Credit agreement with incorrect details on it as EGG refunded the PPI....the total amount to be repayed is incorrect as well as the interest rate is wrong....lol

I also received a statement of account.....but the figures are incorrect....lol

It appears EGG staff cannot add or subtract properly.....lol

Instead of applying my payments from the balance of account they added them to the amount owing.....effectively making what I owe greater.....lol

Yet more ammunition for a court case......lol

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Had a few more things happen since I last posted....lol

Moorcroft have started threatening me again by phone, letter.....

They even swore at me again on the phone and failed to tell me who they were when they called me....

After calling EGG by phone I have informed them of their failure to fullfill my CCA request....

The nice peron I spoke to is for the first time actually looking into my complaint personally....

They have put a muzzle on Moorcroft until 30th June....

Today I received a copy of a Credit agreement with incorrect details on it as EGG refunded the PPI....the total amount to be repayed is incorrect as well as the interest rate is wrong....lol

I also received a statement of account.....but the figures are incorrect....lol

It appears EGG staff cannot add or subtract properly.....lol

Instead of applying my payments from the balance of account they added them to the amount owing.....effectively making what I owe greater.....lol

Yet more ammunition for a court case......lol

 

You should write to moorcroft and explain that you want all correspondence in writing from now on - they have to comply.

 

Also, point them in the direction of the OFT's guide;ines for debt collection which states, clearly, that they must introduce themselves in all correspondence.

 

Ok, so Egg have commited an offence - report them to Trading Standards and take them to court.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Hi un1boy....

I am going to report them.....but giving the lady at EGG till 30th to resolve my complaint about the PPI and loan first....

If she can get it all dropped all I will have to do is prove the failure to supply CCA and SAR's.....

If it comes to nothing then I can still use the CCA, mis-selling, false statement of account, SAR's, Harassment, etc....to go ahead in court....lol

I am just giving her a chance to put things right prior to court action.....should make any judge look at me as bending over backward to get this sorted out prior to court.....lol

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Hi un1boy....

I am going to report them.....but giving the lady at EGG till 30th to resolve my complaint about the PPI and loan first....

If she can get it all dropped all I will have to do is prove the failure to supply CCA and S.A.R - (Subject Access Request)'s.....

If it comes to nothing then I can still use the CCA, mis-selling, false statement of account, SAR's, Harassment, etc....to go ahead in court....lol

I am just giving her a chance to put things right prior to court action.....should make any judge look at me as bending over backward to get this sorted out prior to court.....lol

 

Fair enough.

 

Well, good luck and keep us updated!! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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I will do that....

Thanks un1 for all your help and advice.....

And thanks to everyone who is helping.....

I would have lost the plot if it wasn't for all the support you guys have given me!

Russ

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Sorry peeps....

Closing all my threads now......

Thanks for everyones help and support......

Russ

 

Why? What's happened?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Just quickly popped back to let you know what happened.....

EGG have sent confirmation letter that they will NO longer be recovering the debt.....

They are cleaning my CRA files and listing the loan as settled with a zero balance....

They appologised on the phone for the way I was treated.....

And are dealing with Moorcroft.....lol

So I won.......lol

They wiped out the £4709 they said I owed..........

Persistance paid off.....lol

Don't give up un1boy......Thanx for all the help.....

I have moved with fendy....so not about much......lol

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I think I was lucky.....I found someone at EGG who listened and actually realised I had their b*lls on a platter....lol

Mis-selling PPI and loan, breach of contract, CCA not supplied causing offence, SAR's not supplied and lying to the financial ombudsman......lol

Oh and Nastywest decided to settle on the same day......lol

So got a double whammy......lol

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They are cleaning my CRA files and listing the loan as settled with a zero balance....

 

 

well done you deserve a medal here.

keep your chin up.

 

just one last point

 

settled on a CRA is almost as bad as a default marker.

it CAN be read as 'you did something wrong along the line, then paid-up later'.

i would get back on to egg and get them to remove ALL ref to the loan COMPLETELY from the CRA listing.

 

 

dx100uk

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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