Jump to content


  • Tweets

  • Posts

    • Hello again,   My husband's court date for the above is next week and he is extremely anxious and worried about it.    I explained that it is just a hearing to see if the court will enter a summary judgement and that they probably will not due to his statement that was sent, but he is worried that he will be put on the spot and asked questions and that he will get a CCJ..   I have said that he can just refer to his statement if asked anything and that it may be in a room type of thing, rather than an official looking courtroom..   Am I right in the above please?   Also, what happens if someone from Cabot doesn't attend? Does that make any difference? Should my husband be ready to say something about it to help in his favour, if so what?   Apologies for all of the questions, I know that you two are very much in demand all over the website. 
    • Is this correct ?
    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
  • Our picks

sparks

Sparks v EGG **WON**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4562 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Fantastic site - have been lurking for nearly a year ...am finally taking action against 5 banks.

 

  • May 2006 sent SAR
  • 26/3/07 submitted request for repayment of charges
  • 2/4/07 Recived offer of £4.00 back for each £20 charge + waffle about OFT report and my having provided no evidence that £20 was not a genuine 'pre-estimate' of the loss I caused to Egg for each breach of contract!
  • 6/4/07 rejected Eggs offer - asked them to detail the breakdown of what my 'breaches of contract' had actually cost them. Will send them LBA on 12/4/07


-----------------------------

· Halifax credit card - 26/3/07 Claimed £50.00 (£54.51 with interest) – more charges to add

· Nat West credit card - 26/3/07 Claimed £112.00 (£163.33 with interest)

· Nat West current account - 26/3/07 Claimed £94.00 (£142.15 with interest)

· Smile account 1 - 26/3/07 Claimed £494.50 (£599.67 with interest)

· Smile account 2 - 26/3/07 £79.50 Claimed (£98.53 with interest)

· Egg - 26/3/07 Claimed £40.00 (£57.63 with interest).

· Nationwide - 26/3/07 Claimed £145.00 (£215.02 with interest)

· Woolwich - 24/3/07 still haven’t complied with SAR after 11 months – LBA sent

Share this post


Link to post
Share on other sites

Good luck.

 

Your timescales are identical to mine - and I received a FULL REFUND today, so hopefully the same shift team are dealing with your claim and you'll get something in the post tomorrow.


ABBEY : Seeking £1500 : Default Judgement Received - now set aside- AQ dispensed, awaiting court date

Barclaycard : WON : Seeking £380, offered £152. : Full settlement £510 + costs

EGG Card : WON : £168 FULL SETTLEMENT within 3 Weeks

HSBC : WON : Sought £1500+ : Full Settlement £2375.89 received 4 months start to end

Share this post


Link to post
Share on other sites

Thanks elisedriver and zootscoot,

 

Yup home from holiday today and FULL offer from EGG (small claim as almost all EGG charges were over 6 years ago).

 

However there are confidentiality conditions attached to accepting the offer. On principle I am inclined to reply that I only accept their offer if these conditions are removed - or should I just take the money now? Anyone have any thoughts on confidentiality clauses???

 

thanks


-----------------------------

· Halifax credit card - 26/3/07 Claimed £50.00 (£54.51 with interest) – more charges to add

· Nat West credit card - 26/3/07 Claimed £112.00 (£163.33 with interest)

· Nat West current account - 26/3/07 Claimed £94.00 (£142.15 with interest)

· Smile account 1 - 26/3/07 Claimed £494.50 (£599.67 with interest)

· Smile account 2 - 26/3/07 £79.50 Claimed (£98.53 with interest)

· Egg - 26/3/07 Claimed £40.00 (£57.63 with interest).

· Nationwide - 26/3/07 Claimed £145.00 (£215.02 with interest)

· Woolwich - 24/3/07 still haven’t complied with SAR after 11 months – LBA sent

Share this post


Link to post
Share on other sites

Just cross off the confidentiality thing, or write on there that it is accepted unconditionally!

 

Sparks, have they closed ur account?


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

Share this post


Link to post
Share on other sites

I think its a little late for confidentialitity now!

 

Yes cross it out and send it back. Well this is a short and sweet thread!

 

 

Congratulations!!!!!!!!!!

:D :D :D

Don't forget the survey

Enjoy!!

Share this post


Link to post
Share on other sites

Congrats! I'm also in the process of getting my money back from Egg but taking a little longer than you guys. Egg offered me the £4 thing back in February which I declined and we have been going through the usual steps since then. Recently got a court date for the end of May so hopefully they will settle soon.

Share this post


Link to post
Share on other sites

Hiya Sparky, did Egg close ur account??


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

Share this post


Link to post
Share on other sites

I closed the account in 2004!


-----------------------------

· Halifax credit card - 26/3/07 Claimed £50.00 (£54.51 with interest) – more charges to add

· Nat West credit card - 26/3/07 Claimed £112.00 (£163.33 with interest)

· Nat West current account - 26/3/07 Claimed £94.00 (£142.15 with interest)

· Smile account 1 - 26/3/07 Claimed £494.50 (£599.67 with interest)

· Smile account 2 - 26/3/07 £79.50 Claimed (£98.53 with interest)

· Egg - 26/3/07 Claimed £40.00 (£57.63 with interest).

· Nationwide - 26/3/07 Claimed £145.00 (£215.02 with interest)

· Woolwich - 24/3/07 still haven’t complied with SAR after 11 months – LBA sent

Share this post


Link to post
Share on other sites
Fantastic site - have been lurking for nearly a year ...am finally taking action against 5 banks.

  • May 2006 sent SAR
  • 26/3/07 submitted request for repayment of charges
  • 2/4/07 Recived offer of £4.00 back for each £20 charge + waffle about OFT report and my having provided no evidence that £20 was not a genuine 'pre-estimate' of the loss I caused to Egg for each breach of contract!
  • 6/4/07 rejected Eggs offer - asked them to detail the breakdown of what my 'breaches of contract' had actually cost them. Will send them LBA on 12/4/07

[/quote=represent1]Received same offer by Egg, detailing they would return £76 being the difference of £4. Stating that offer would be rejected in 14 days. Should I notify them that I wish to reject their meagre offer (if yes, does anyone have a reject letter) or just go straight to Court, following through with my LBA. Must admit to feeling a bit bewildered as letter was extremely threatening!

Share this post


Link to post
Share on other sites

[/quote=represent1]Received same offer by Egg, detailing they would return £76 being the difference of £4. Stating that offer would be rejected in 14 days. Should I notify them that I wish to reject their meagre offer (if yes, does anyone have a reject letter) or just go straight to Court, following through with my LBA. Must admit to feeling a bit bewildered as letter was extremely threatening!

 

Yes, the language of their letter to me was pretty threatening but actually meaningless!

 

FYI I have pasted the reply I sent them rejecting their initial offer of £4 per charge - within a week of sending it they had written back with a revised offer denying any liability but offerring to refund the charges in full!!

 

Its up to you but if you are hesitating over sending an LBA I would suggest you send them an interim letter rejecting the offer - who knows, they may settle your claim as readily as they did mine.

 

 

Dear Ema Clayton,

 

EGG CREDIT CARD NUMBER xxxx xxxx xxxx xxxx

 

Response to settlement offer.

 

Thank you for your letter dated 4/4/2007, EGG Reference xxxxxxxxxxxx.

 

I respectfully decline your offer of settlement and request, once again, that you return to me the charges imposed on this account that I specified, totaling £xx (excluding statutory interest).

 

If, as your letter appears to imply, £16.00 reflects a genuine pre-estimate of the loss caused to EGG for each incidence of exceeding my credit limit or for an unpaid direct debit, then I request that you provide me with a breakdown of how this amount has been calculated. In the absence of such a breakdown I will continue to believe these charges do not reflect your true costs and are therefore unlawful.

 

I will therefore accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remaining £xx, with a County Court claim if necessary. Should such a claim be necessary I will also be seeking interest at the statutory rate, which I calculate as currently totaling £xx, court costs and any other costs I incur in recovering this money from you. I sincerely hope that such action will not be necessary and am genuine in my desire to reach an amicable settlement with you without recourse to the courts.

 

My Request for Repayment letter dated 26/3/2007 indicates that you have until 12/4/07 to respond before I proceed to the next stage of my request. My deadline remains the same despite your offer.

 

For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

 

I trust this clarifies my position.

 

Yours sincerely,

 


-----------------------------

· Halifax credit card - 26/3/07 Claimed £50.00 (£54.51 with interest) – more charges to add

· Nat West credit card - 26/3/07 Claimed £112.00 (£163.33 with interest)

· Nat West current account - 26/3/07 Claimed £94.00 (£142.15 with interest)

· Smile account 1 - 26/3/07 Claimed £494.50 (£599.67 with interest)

· Smile account 2 - 26/3/07 £79.50 Claimed (£98.53 with interest)

· Egg - 26/3/07 Claimed £40.00 (£57.63 with interest).

· Nationwide - 26/3/07 Claimed £145.00 (£215.02 with interest)

· Woolwich - 24/3/07 still haven’t complied with SAR after 11 months – LBA sent

Share this post


Link to post
Share on other sites
I closed the account in 2004!

 

Ok mate.

 

Mine is still open, but if they try to close the account then the agreement is unenforcable anyway, hehe.....so, they can't take any action on it without a court order!! :)


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

Share this post


Link to post
Share on other sites

 

However there are confidentiality conditions attached to accepting the offer.

 

thanks

 

Just got a letter saying they will remove confidentiality clause...and where should they send my cheque!!!!


-----------------------------

· Halifax credit card - 26/3/07 Claimed £50.00 (£54.51 with interest) – more charges to add

· Nat West credit card - 26/3/07 Claimed £112.00 (£163.33 with interest)

· Nat West current account - 26/3/07 Claimed £94.00 (£142.15 with interest)

· Smile account 1 - 26/3/07 Claimed £494.50 (£599.67 with interest)

· Smile account 2 - 26/3/07 £79.50 Claimed (£98.53 with interest)

· Egg - 26/3/07 Claimed £40.00 (£57.63 with interest).

· Nationwide - 26/3/07 Claimed £145.00 (£215.02 with interest)

· Woolwich - 24/3/07 still haven’t complied with SAR after 11 months – LBA sent

Share this post


Link to post
Share on other sites
Just got a letter saying they will remove confidentiality clause...and where should they send my cheque!!!!

 

Excellent mate!!!! Well done! :)


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...