Canada Square Operations & Egg & CRP

[malamute]

Re: Canada Square Operations & Egg & CRP

Hmmm you might need more than that to be honest. Maybe carry on paying the £100pm unless you can get a couple of grand together - with a couple of years payments at the current rate it is easier to sell them the idea to accept a F&F. £1500 is literally only just 15 months payments, so they are likely to decline it.

No problem!

as always - thanks Niddy!

[Never-In-Doubt]

Re: Canada Square Operations & Egg & CRP

the refund was only £500 - I've got the payments down to £100 a month.

Thinking I'd need around £1500 for an F&F?

Hmmm you might need more than that to be honest. Maybe carry on paying the £100pm unless you can get a couple of grand together - with a couple of years payments at the current rate it is easier to sell them the idea to accept a F&F. £1500 is literally only just 15 months payments, so they are likely to decline it.

[malamute]

Re: Canada Square Operations & Egg & CRP

Buggery - how much are you paying each month? Are you able to do a F&F with the refund of PPI or don't you want to?

the refund was only £500 - I've got the payments down to £100 a month.

Thinking I'd need around £1500 for an F&F?

[Never-In-Doubt]

Re: Canada Square Operations & Egg & CRP

approximate balance is 10k - default come off in 6 months as well i think

Buggery - how much are you paying each month? Are you able to do a F&F with the refund of PPI or don't you want to?

[malamute]

Re: Canada Square Operations & Egg & CRP

Ok well might be best to just carry on regardless then... at the end of the day do you really want additional hassle by cessation of payments?

What is the approximate balance?

approximate balance is 10k - default come off in 6 months as well i think

[Never-In-Doubt]

Re: Canada Square Operations & Egg & CRP

In response to the CCA reques they "cannot locate all documents" - all they sent was account cummary pages.

You have previously seen it and said it was EN.

I was refunded directly by canada square (cheque) - cabot financial haven't been in touch for ages but the balance is reducing by my monthly payment.

Ok well might be best to just carry on regardless then... at the end of the day do you really want additional hassle by cessation of payments?

What is the approximate balance?

[malamute]

Re: Canada Square Operations & Egg & CRP

Oh so in response to the CCA Request you have not had a copy of the agreement or terms? Or have you?

Have I previously seen the agreement? Did I say EN or UE?

Thing is the fact they refunded PPI says it all, ie the agreement is likely to be wrong because it'll either come with no mention of the PPI (should have it's own PT's) or it'll not mention the linked terms to the PPI.

Did you get refunded directly or was it paid into the account to reduce the balance?

Just wondering like.....

In response to the CCA reques they "cannot locate all documents" - all they sent was account cummary pages.

You have previously seen it and said it was EN.

I was refunded directly by canada square (cheque) - cabot financial haven't been in touch for ages but the balance is reducing by my monthly payment.

[Never-In-Doubt]

Re: Canada Square Operations & Egg & CRP

Sorry, I think I've been unclear.....

I was approached by canada sqaure asking me to provide details of the payment protection given on my old egg card.

I filled in the form

got a refund + interest.

Given egg had provided an enforceable yearsa ago - an the fact they are very hard to find unenforceable - it was suggested here that after i get my refund I CCA Canada Square. I did that at the end of May

The document I've referred to today is what they have sent in response to the CCA - i.e. statement summaries - no cca.

Oh so in response to the CCA Request you have not had a copy of the agreement or terms? Or have you?

Have I previously seen the agreement? Did I say EN or UE?

Thing is the fact they refunded PPI says it all, ie the agreement is likely to be wrong because it'll either come with no mention of the PPI (should have it's own PT's) or it'll not mention the linked terms to the PPI.

Did you get refunded directly or was it paid into the account to reduce the balance?

Just wondering like.....

[malamute]

Re: Canada Square Operations & Egg & CRP

Excellent, well lets see what they send back this time

Keep us posted...

Sorry, I think I've been unclear.....

I was approached by canada sqaure asking me to provide details of the payment protection given on my old egg card.

I filled in the form

got a refund + interest.

Given egg had provided an enforceable yearsa ago - an the fact they are very hard to find unenforceable - it was suggested here that after i get my refund I CCA Canada Square. I did that at the end of May

The document I've referred to today is what they have sent in response to the CCA - i.e. statement summaries - no cca.

[Never-In-Doubt]

Re: Canada Square Operations & Egg & CRP

Yes - I sent Canada Square a brand new cca request + £1 as normal.

Excellent, well lets see what they send back this time

Keep us posted...

[malamute]

Re: Canada Square Operations & Egg & CRP

excellent, so you've sent a new CCA then yes?

Yes - I sent Canada Square a brand new cca request + £1 as normal.

[Never-In-Doubt]

Re: Canada Square Operations & Egg & CRP

I had one years ago from EGG - i just re-requested it as suggested now that canada square have refunded payment protection.

excellent, so you've sent a new CCA then yes?

[malamute]

Re: Canada Square Operations & Egg & CRP

well have you ever had the agreement and terms sent to you, from s.78?

I had one years ago from EGG - i just re-requested it as suggested now that canada square have refunded payment protection.

[Never-In-Doubt]

Re: Canada Square Operations & Egg & CRP

well have you ever had the agreement and terms sent to you, from s.78?

[malamute]

Re: Canada Square Operations & Egg & CRP

I'll sift through it and scan it shortly.

FRom quick skim looks to be account summary page and then a terms page......

Apparently the default notice in there somewhere too!

***Edit***

Just re-read cover letter:

"Unfortunately we cannot locate all the documents"

they enclose:

card statements, notice of default sums, notice of sumsa in arrears

next steps?

goodness that was dull!!

so to summarise - all i have is the first page (account summary) for the account from 2004- dec 2008 when it was charged off.

I recall it was defaulted in Jan 2008 which looks about right as they stopped charging interest on the statements then (bloody cabot did did i asked that that was frozen).

There is nothing else in the 145 pages......

Also, I'm paying cabot financial for this account at the mo, and have been since 2009 - but as above i've been corresponding with Canada Square since they approached me re the payment protection.

So.... what should/could I do now?