SLUGs UE diary

[Never-In-Doubt]

Re: SLUGs UE diary

Update -28/3/11
Damn - letter from Solicitors - we have been instructed to file at Northampton court etc etc, you have 10 days etc etc.
I guess I'm going to be putting an offer in on another account
Dont see much get out on this one.

Send this, and a copy of the bespoke letter, to the solicitors (who are they btw?): ---> Threat by Lender/D.C.A - To commence litigation

[Fribourg]

Re: SLUGs UE diary

Please note there has been NO "assignment" of the debt from Egg to us.

Well, if they do not have a notice of assignment, how on earth are they allowed to chase it?? Unless I'm very much mistaken, this is a bit dubious to me

[SLUG]

Re: SLUGs UE diary

Righto - I know Sir Nids is away for a few weeks but I thought I'd update this before I forget. No action is needed I believe, just wait and see what they do next?

I have received a response to my bespoke letter - The jist:
"please note we are a debt collection "agent" acting in good faith on the instructions recieved from a "disclosed" principle. We are therefore authorised to write to you in connection with the above matter and to instruct Solicitors in contemplation of Court proceedings where we consider it appropriate to do so. Please note there has been NO "assignment" of the debt from Egg to us.
We have checked with our client and they have confirmed that your CCA was sent bla bla bla. Please address any further disputes on this to them etc etc.
Please note the receipt of your letter will not itself delay our clients prior instructions etc etc etc..... Please provide us with full financial statement and list of creditors with your token offer of payment. etc etc etc. if we dont receive offer and statement within next 14 days the account will be passed to our solicitors.
We have acted in accordance with our clients instructions and within current collection legislation and guidance. we reserve the right to produce this letter to any Tribunal, reg body or investigative authority to prove our compliance and good conduct in this matter.

tra la la la.

....I can see where this is going eh?

Update -28/3/11
Damn - letter from Solicitors - we have been instructed to file at Northampton court etc etc, you have 10 days etc etc.
I guess I'm going to be putting an offer in on another account
Dont see much get out on this one.

[MrsD]

Re: SLUGs UE diary

I think you're right Slug, a case of wait and see. good luck

[SLUG]

Re: SLUGs UE diary

1. EGG CC
Approx balance: 10.5k

[size=5]1/07/10 - sent first CCA request
17/07/10 - received docs back (these are new print outs, not a true copy) DOES include the phrase "Approved Limit"
26/07/10 - sent first phone harassment letter. Also awaiting current judgement due September of EGG wording as noted by NID. Following that thread before making my next move.
27/07/10 - first call from Capital Credit Agency. Which is part of EGG, so the debt hasn't gone far yet.
03/09/10 - All phone calls stopped soon after I sent the request. Received letter saying they were allowed to call me, but not a single call for well over a month.
03/09/10 - just got a letter form CCA (part of egg) usual guff but with a new bit - your account "may" be forwarded to our specialist customer contact company - Resolve Call: that "may" request one of their contact managers to visit your home address.... I note they have still to default my account despite all this and months of non payment - come on! get on with it!
07/09/10 - "dont you think about coming to my house, muppets." letter sent.
08/10/10 - Finally! EGG has defaulted me, but it gives me 28 days to pay 1800 arrears before the default is registered with credit ref agencies. It says from 29/10 they will demand full settlement etc, instrunt solicitors or debt collection agency, teminate agreement etc.
07/12/10 - Account now with CDUK (a trading style of Improved Financial Solutions Ltd), they have been auto phoning me for about 6 weeks, with the odd real life person. Have now recieved my first threat-o-gram from them. "our client could take court action" etc and so on.
11/12/10 - sent letter as advised by NIDs - dont threaten me with leagal action etc
16/12/10 - Recieved phone message desputing my legal response above. Also recieved letter from Solicitors to a work address that pre-dates my legal letter above by a few days.
05/01/11 - Recieve about 2 missed calls from CDUK a week now, no postal contact recently. Yet to make formal complaint about harrasment at work, but will do as advised.
16/02/11 - bespoke Niddy letter sent off the Solicitors who have sent two letters to my work place.
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA.
3/11 - new DCA. I copied the letters sent previous solicitors and DCA to new DCA with a note saying this applies to you too.
13/3/11 - Letter response from new DCA to previous letters

Righto - I know Sir Nids is away for a few weeks but I thought I'd update this before I forget. No action is needed I believe, just wait and see what they do next?

I have received a response to my bespoke letter - The jist:
"please note we are a debt collection "agent" acting in good faith on the instructions recieved from a "disclosed" principle. We are therefore authorised to write to you in connection with the above matter and to instruct Solicitors in contemplation of Court proceedings where we consider it appropriate to do so. Please note there has been NO "assignment" of the debt from Egg to us.
We have checked with our client and they have confirmed that your CCA was sent bla bla bla. Please address any further disputes on this to them etc etc.
Please note the receipt of your letter will not itself delay our clients prior instructions etc etc etc..... Please provide us with full financial statement and list of creditors with your token offer of payment. etc etc etc. if we dont receive offer and statement within next 14 days the account will be passed to our solicitors.
We have acted in accordance with our clients instructions and within current collection legislation and guidance. we reserve the right to produce this letter to any Tribunal, reg body or investigative authority to prove our compliance and good conduct in this matter.

tra la la la.

....I can see where this is going eh?

[Never-In-Doubt]

Re: SLUGs UE diary

No worries, it was the clerk. I'll just do as they say - advised me to attend my local court when I get sent the details. I shall present my case!

Oooer best of luck matey!

[SLUG]

Re: SLUGs UE diary

Have you spoken to someone? Ring the courts and actually speak to the the clerk, they will advise exactly what to do and how to do it.....

Best get it right first time really....

No worries, it was the clerk. I'll just do as they say - advised me to attend my local court when I get sent the details. I shall present my case!

[Never-In-Doubt]

Re: SLUGs UE diary

Cheers Niddy.

Long story short: I just do nothing for now and await paperwork from the third court this has been transferred to.

Long story:
They had only accepted my offer after the initial court case (which happened without my knowledge) and after I had sent a letter to the courts asking for re-determination already, so this was transferred to Norwich for the purpose of issuing the charging order against me.
At the Norwich court date the the DCA had not made an application for a charging order (assuming they are leaving this now after offer accepted), but the judge did have my letter saying I knew nothing of the original court date and that I wanted a re-determination.
Because of this he has now forwarded this on to my local court.

The help line said I should attend this court date, but I wonder if I just need to forward a copy of their letter accepting monthly payments?

Have you spoken to someone? Ring the courts and actually speak to the the clerk, they will advise exactly what to do and how to do it.....

Best get it right first time really....

[SLUG]

Re: SLUGs UE diary

Cheers Niddy.

Long story short: I just do nothing for now and await paperwork from the third court this has been transferred to.

Long story:
They had only accepted my offer after the initial court case (which happened without my knowledge) and after I had sent a letter to the courts asking for re-determination already, so this was transferred to Norwich for the purpose of issuing the charging order against me.
At the Norwich court date the the DCA had not made an application for a charging order (assuming they are leaving this now after offer accepted), but the judge did have my letter saying I knew nothing of the original court date and that I wanted a re-determination.
Because of this he has now forwarded this on to my local court.

The help line said I should attend this court date, but I wonder if I just need to forward a copy of their letter accepting monthly payments?

[Never-In-Doubt]

Re: SLUGs UE diary

07/03/11 --- I'd forgotten about the above account, but the court have replied to me request for redermination (Ithink?) which was sent just before DCA accepted my payment plan.

It seems to be General form of Judgement, It has the judges name and where it took place, then:

Upon the claim having been electronically transfered to the bulk charging order unit at the claimants request for the purpose of issuing an application for a charging order, but no application having yet been recieved and upon reading the response to the transfer notice it is ordered that:
1. This case be electronically transfered to the defendants home court.
2. Any applications to be issued at that court.

dated 3rd march.


.........actually it doesn't sound like a response to my redetermination request (that I dont require as the DCA accepted my offer of a tenner a month)..... um.....
I *may* be wrong, but is this just saying its a continuation of the action, but that the DCA didn't pursue it?

Just ring the court and check exactly what is going on mate - they will explain it all and tell you what to do next....

0845 408 5302

[SLUG]

Re: SLUGs UE diary

2. M&S CC
Approx balance: 6.8k

1/07/10 - sent first CCA request
17/07/10 - received docs back (including original sig)
They have sent what appears to be a true photocopy of my original doc signed and dated by me 7 years ago.
26/07/10 - NID confirms this is enforceable. Darn it ;F- ..... as they have yet to default me (despite a number of threats that they would in 7 days) I am leaving well alone for now and waiting for it to be frozen/sold on etc. before I set up a minimum repayment plan.
03/09/10 - Nothing new really to report, no phone calls, a letter every month saying you need to pay, we are going to default you soon.
04/09/10 - Just to update, they *have* defaulted this account (on the 28/7/10)- I'm just spending Saturday night sorted through my paper work and this was the one letter I hadn't opened. Obviously.
09/09/10 - not very exciting and no action needed, but letter received today - um, another Default notice. Useful.
08/10/10 - a few letters from M&S this week, main one is a final demand - if you dont pay within 48hrs we *may* pass on to debt collection, who may call at your home, we will default your account with credit agencies (they already have, silly threat really).
08/10/10 - "dont you think about coming to my house, you muppets." letter sent.
16/10/10 - Letter received from DG Solicitors asking for entire balance within 14 days, or else they have been instructed to take legal action in county court.
22/10/10 - Stalling legal letter sent to DG Solicitors to buy me a bit more time (who are an internal department at HSBC)
7/11/10 - court docs received
12/10 - offer made for monthly payment
24/12/10 - cheeky court case in my absence, without my knowledge
04/01/11 - letter requesting redertmination sent
05/01/11 - letter recieved from creditors accepting my offer of monthly payment. I'm now filing this account as delt with, for now. A result of sorts.

07/03/11 --- I'd forgotten about the above account, but the court have replied to me request for redermination (Ithink?) which was sent just before DCA accepted my payment plan.

It seems to be General form of Judgement, It has the judges name and where it took place, then:

Upon the claim having been electronically transfered to the bulk charging order unit at the claimants request for the purpose of issuing an application for a charging order, but no application having yet been recieved and upon reading the response to the transfer notice it is ordered that:
1. This case be electronically transfered to the defendants home court.
2. Any applications to be issued at that court.

dated 3rd march.


.........actually it doesn't sound like a response to my redetermination request (that I dont require as the DCA accepted my offer of a tenner a month)..... um.....
I *may* be wrong, but is this just saying its a continuation of the action, but that the DCA didn't pursue it?

[Never-In-Doubt]

Re: SLUGs UE diary

The new DCA have replied to this and the copies of letters, and have taken it to mean that they are sending stuff to my work address (which they are not) .

Idiots - they have requested my home address (to which they have sent the request) before they can remove my home address and replace it with my home address. They will keep using my correct home address until they recieve my correct home address from me.

Im just going to ignore them and let them get on with it.

Its unreal really isn't it? You gotta laugh - if not you'd cry

[SLUG]

Re: SLUGs UE diary

All you do mate is do a quick one liner saying please see attached recent correspondence - I suggest you take note of the content as the same applies to you. Return the account to Egg to deal with my query, or take legal action at which point i'll request Strike-Out plus an order for my costs, as you cannot take any formal action on a disputed account.

Obviously just send them a copy of the last 2 letters you've sent, not the replies - just what you sent out - so it'd be the threat of legal harassment & the bespoke one.... leave them intact with the old details and the date you originally used and write "copy" through the middle of each page...

The new DCA have replied to this and the copies of letters, and have taken it to mean that they are sending stuff to my work address (which they are not) .

Idiots - they have requested my home address (to which they have sent the request) before they can remove my home address and replace it with my home address. They will keep using my correct home address until they recieve my correct home address from me.

Im just going to ignore them and let them get on with it.

[Never-In-Doubt]

Re: SLUGs UE diary

1. EGG CC
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA, called ARC.

Well, well, well...... EGG UPDATE

......it looks like the DCA and the solicitors they hired (who were sending dodgy letter to me at work) have quit and pased this back to EGG. This morning I got a letter from a different DCA:

ARC(europe)LTD credit mangement
"This account has been passed to us for collections etc -snip-
......we wish to make it quite clear that unless a substantial payment is made to us within the next 10 days along with a firm offer to clear the rest of the overdue balance we will pass your account to our solicitors with intructions to prepare court prceedings against you"

Welcome new DCA, what do I start these new chaps off with then? The usual "account is in dispute dont legal threat me" one?

All you do mate is do a quick one liner saying please see attached recent correspondence - I suggest you take note of the content as the same applies to you. Return the account to Egg to deal with my query, or take legal action at which point i'll request Strike-Out plus an order for my costs, as you cannot take any formal action on a disputed account.

Obviously just send them a copy of the last 2 letters you've sent, not the replies - just what you sent out - so it'd be the threat of legal harassment & the bespoke one.... leave them intact with the old details and the date you originally used and write "copy" through the middle of each page...

[SLUG]

Re: SLUGs UE diary

1. EGG CC
Approx balance: 10.5k

[size=5]1/07/10 - sent first CCA request
17/07/10 - received docs back (these are new print outs, not a true copy) DOES include the phrase "Approved Limit"
26/07/10 - sent first phone harassment letter. Also awaiting current judgement due September of EGG wording as noted by NID. Following that thread before making my next move.
27/07/10 - first call from Capital Credit Agency. Which is part of EGG, so the debt hasn't gone far yet.
03/09/10 - All phone calls stopped soon after I sent the request. Received letter saying they were allowed to call me, but not a single call for well over a month.
03/09/10 - just got a letter form CCA (part of egg) usual guff but with a new bit - your account "may" be forwarded to our specialist customer contact company - Resolve Call: that "may" request one of their contact managers to visit your home address.... I note they have still to default my account despite all this and months of non payment - come on! get on with it!
07/09/10 - "dont you think about coming to my house, muppets." letter sent.
08/10/10 - Finally! EGG has defaulted me, but it gives me 28 days to pay 1800 arrears before the default is registered with credit ref agencies. It says from 29/10 they will demand full settlement etc, instrunt solicitors or debt collection agency, teminate agreement etc.
07/12/10 - Account now with CDUK (a trading style of Improved Financial Solutions Ltd), they have been auto phoning me for about 6 weeks, with the odd real life person. Have now recieved my first threat-o-gram from them. "our client could take court action" etc and so on.
11/12/10 - sent letter as advised by NIDs - dont threaten me with leagal action etc
16/12/10 - Recieved phone message desputing my legal response above. Also recieved letter from Solicitors to a work address that pre-dates my legal letter above by a few days.
05/01/11 - Recieve about 2 missed calls from CDUK a week now, no postal contact recently. Yet to make formal complaint about harrasment at work, but will do as advised.
16/02/11 - bespoke Niddy letter sent off the Solicitors who have sent two letters to my work place.
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA, called ARC.





Well, well, well......

EGG UPDATE

......it looks like the DCA and the solicitors they hired (who were sending dodgy letter to me at work) have quit and pased this back to EGG. This morning I got a letter from a different DCA:

ARC(europe)LTD credit mangement
"This account has been passed to us for collections etc -snip-
......we wish to make it quite clear that unless a substantial payment is made to us within the next 10 days along with a firm offer to clear the rest of the overdue balance we will pass your account to our solicitors with intructions to prepare court prceedings against you"

Welcome new DCA, what do I start these new chaps off with then? The usual "account is in dispute dont legal threat me" one?