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Smegg Card and default


baboy777
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Hi everyone, hope someone can help me with the following. I had an egg credit card which I was in defauly with. I paid of the full amount in Jan 07 and asked for a copy of my credit reports to find that egg had registered a default notice on my account. Although it was marked "settled " but default. I wrote to them asking for the default to be removed and issued a notice under s.78(1) cca 1974 s.77(1) and provided them with a £1.00 cheque ( which they cashed a week ago. I still have not got any respoinse from them - what should my next step be if they do not provide me with the information I have asked namely, a true copy of the original credit agreement and a signed and true copy of the defauly notice.

 

Is there a template letter for the next stage of their non compliance ?

Bearing in mind that this account has now been settled in full, I simply want them to remove the default.

 

Thanks ,......

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I would write to them and say that, after checking your personal records, you now unsure of your sole liability for this debt and may have paid all or part of a former partner's/associate's debt by mistake;). Tell them that unless you receive a true copy of the original agreement proving otherwise you may take them to court for a refund. You have to give them roughly 42 days to comply before contemplating any action. Speaking from experience smEGG will reply to a CCA request quite quickly if they can.

"Why CCJ when you can CCA!"

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  • 6 months later...
Hi everyone, hope someone can help me with the following. I had an egg credit card which I was in defauly with. I paid of the full amount in Jan 07 and asked for a copy of my credit reports to find that egg had registered a default notice on my account. Although it was marked "settled " but default. I wrote to them asking for the default to be removed and issued a notice under s.78(1) cca 1974 s.77(1) and provided them with a £1.00 cheque ( which they cashed a week ago. I still have not got any respoinse from them - what should my next step be if they do not provide me with the information I have asked namely, a true copy of the original credit agreement and a signed and true copy of the defauly notice.

 

Is there a template letter for the next stage of their non compliance ?

Bearing in mind that this account has now been settled in full, I simply want them to remove the default.

 

Thanks ,......

 

in same situtation with egg. think you have to take them to court to get it off. gonna do that- wa!

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