EGG CREDIT CARD - AKTIV DCA

[Deepie]

Re: EGG CREDIT CARD - AKTIV DCA

I sent Rossendales a CCA with the £1 fee recorded delivery on 30th January . Today I received a "Notice of Visit" letter quite strongly worded ... "passed to one of our debt collectors who may visit your home within the next few days to obtain payment or discuss a repayment structure ... PLEASE TAKE NOTICE YOUR ACCOUNT WILL NOT BE OVERLOOKED>>>>"
This letter was dated before I sent the CCA. I have the template for "no doorstep visits" letter - is it best to send that please thanks

Will do no harm to send it.........

[TRAVELLER]

Re: EGG CREDIT CARD - AKTIV DCA

I sent Rossendales a CCA with the £1 fee recorded delivery on 30th January . Today I received a "Notice of Visit" letter quite strongly worded ... "passed to one of our debt collectors who may visit your home within the next few days to obtain payment or discuss a repayment structure ... PLEASE TAKE NOTICE YOUR ACCOUNT WILL NOT BE OVERLOOKED>>>>"
This letter was dated before I sent the CCA. I have the template for "no doorstep visits" letter - is it best to send that please thanks

[jj19]

Re: EGG CREDIT CARD - AKTIV DCA

It may sound silly but have you checked to make sure that there is no ccj and is your post being redirected. I have read that some dcas send clsims to old addresses

[Never-In-Doubt]

Re: EGG CREDIT CARD - AKTIV DCA

Hiya bailiffs CANNOT get involved unless the creditor secured a CCJ that they have since went and enforced via HCEO. Civil debts do not allow bailiffs, different if you owed Council Tax, for instance (then bailiffs can call).....


Dont worry, you'll be fine.

[TRAVELLER]

Re: EGG CREDIT CARD - AKTIV DCA

ps - am worried as I understand they are bailiffs as well as DCA? can they try to get into my home?? thanks

[TRAVELLER]

Re: EGG CREDIT CARD - AKTIV DCA

haven't posted in a while as have moved house recently. Received today letter from Aktiv saying now passing on to Rossendales. Still awaiting copy agreement requested as in CCA sent to Aktiv in April 2013??

Any help appreciated - should be SB around August this year - many thanks

[Never-In-Doubt]

Re: EGG CREDIT CARD - AKTIV DCA

understood thank you - I will send for checking at some point thank you. I thought I had seen some EGG agreements on this site and other agreements labelled enforceable/unenforceable

many thanks

Ahh you're on about the example agreements --> UPDATED - A Full Guide to Unenforceability - allaboutFORUMS

Bottom post in that thread - but the images may no longer work as we didn't move them when we changed servers (I know, I know)...

[TRAVELLER]

Re: EGG CREDIT CARD - AKTIV DCA

understood thank you - I will send for checking at some point thank you. I thought I had seen some EGG agreements on this site and other agreements labelled enforceable/unenforceable

many thanks

[Never-In-Doubt]

Re: EGG CREDIT CARD - AKTIV DCA

thanks - will do - much appreciated . I am thinking that possibly is unenforceable given the value of the "discount voucher" - I thought i had seen some examples on the forum??

some examples of...?

don't presume it's UE based on other people's accounts; it doesn't work like that nor does the discount amount. The discount is usually valued against age of debt; payments received; likelihood of success and many more so they are unique to each account/customer.

[TRAVELLER]

Re: EGG CREDIT CARD - AKTIV DCA

thanks - will do - much appreciated . I am thinking that possibly is unenforceable given the value of the "discount voucher" - I thought i had seen some examples on the forum??

[Never-In-Doubt]

Re: EGG CREDIT CARD - AKTIV DCA

Hiya

Just write back and remind them that within your original CCA Request you clearly stated that the £1 was NOT to be used for any other reason than to satisfy your obligation under s.78 CCA1974 and demand that they immediately remove it as a credit to the account as that is not what you sent it for.

They will do it and if not, at least you have proof that you requested it removed so it will not affect the SB date in 2014

[TRAVELLER]

Hi can anyone point me in the right direction with this please. Have EGG credit card debt will be Statute Barred approx Aug 2014. been to several DCA and sold to Aktiv. latest letter asking for payment in full etc - I sent £1 for a copy of my agreement but have now received a statement showing this £1 as a a payment!! It wasn't a payment it was the required fee for a copy of the agreement. Also attached to the statement is a "discount voucher " for almost two thirds of the debt!!

I have seen on this site a section where there are examples of EGG unenforceable agreements - but can't find it - also is there a template letter disputing that the £1 was a payment?

thanks