SLUGs UE diary

[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

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

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

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

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?

[MrsD]

Re: SLUGs UE diary

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

[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.

[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

[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

[Never-In-Doubt]

Re: SLUGs UE diary

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

This could be resolved within any POC if they commence action, they can still act without absolute assignment however the claimant would have to be the original creditor......

[SLUG]

Re: SLUGs UE diary

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

Welcome back Nids, hope your holiday was fecking awesome!

.....the wiseguys are Trev M.

Letters will be posted today. The DCA are being super keen as well - text messages and lots of calls from mobile phone numbers. I wonder if its worth starting a list of DCAs and their mobile number they use to try and get you to pick up?

[Never-In-Doubt]

Re: SLUGs UE diary

Welcome back Nids, hope your holiday was fecking awesome!

.....the wiseguys are Trevor Munn.

Letters will be posted today. The DCA are being super keen as well - text messages and lots of calls from mobile phone numbers. I wonder if its worth starting a list of DCAs and their mobile number they use to try and get you to pick up?

Hi matey

Ok, well best of luck - fingers crossed for ya (keep us updated)

[SLUG]

Re: SLUGs UE diary

Ah - I've got my redetermination hearing tomorrow......

I guess I need to take my letter from the DCA saying they accepted 10quid a month payment, and a budget planner.

Do I need anything else? Bank statements? proof of anything? Wear a tie?

[MustGetStraigh]

Re: SLUGs UE diary

Ah - I've got my redetermination hearing tomorrow......

I guess I need to take my letter from the DCA saying they accepted 10quid a month payment, and a budget planner.

Do I need anything else? Bank statements? proof of anything? Wear a tie?

I can't give practical help but wanted to say good luck

[SLUG]

Re: SLUGs UE diary

I can't give practical help but wanted to say good luck

Ta!

Im not actually concerned about it - Im assuming (perhaps niavely?) that its going to be ok, and they will just approve what I've set up already in place of the initial award of the full payment due.