SLUGs UE diary

[SLUG]

Re: SLUGs UE diary

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.

I just got someone useful at the courts - bring letter from DCA as they dont have any records of that. A budget planner if I want (I will do), I dont need bank statements, proof of income etc.

[Never-In-Doubt]

Re: SLUGs UE diary

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.

This is correct, as you have a letter from the DCA then take that with you and you'll find the court will match or lower this. Depends how they are feeling, if you can get the sums down more then do it ( )

Best of luck, keep us updated

[SLUG]

Re: SLUGs UE diary

This is correct, as you have a letter from the DCA then take that with you and you'll find the court will match or lower this. Depends how they are feeling, if you can get the sums down more then do it ( )

Best of luck, keep us updated

Well, that was OK.
Firstly (and for others facing this) the courts are nothing to be scared of, and the judges are usually very nice and on your side....mine was, and I've seen others say this before.

We spent most of our time talking about films/Opera/the restricting economy

...anyway, on to the actual debt - the award of the full amount was changed to match the current payments I make - great.
But I am slighty worse off as the judge wanted to increase this to double after 6 months. , I begrudgingly agreed to this. In truth I *can* afford this (although my budget showed I couldn't, he wasn't inclined to look at this) and will need to get rid of this debt at some point, perhaps with a F&F in a few years when things are clearer and I have some breathing space, so reducing it slightly will help that point.

Anyway, I can draw a line under this one for now.

[Never-In-Doubt]

Re: SLUGs UE diary

Well done matey - see, wasn't that bad after all was it?

[MustGetStraigh]

Re: SLUGs UE diary

Well done!
Time for a well-earned beer ?!

[Never-In-Doubt]

Re: SLUGs UE diary



I'll start hic

[SLUG]

Re: SLUGs UE diary

I'll start hic

Plenty here! *burp*

[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.
3/11 - new DCA, ACC ltd. 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
3/11 - Threat of Northhamton court from DCA "solicitor" MR Munn. Responded with previous letters.
14/4/11 - DCA letter -have put account on hold while they investigate.

Update on the EGGster:

letter recieved from DCA - account on hold while they investigate.
Interesting to note this, after what I'd written in Alland thread yesterday....

[Never-In-Doubt]

Re: SLUGs UE diary



Let's see what happens....

[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.
3/11 - new DCA, ACC ltd. 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
3/11 - Threat of Northhamton court from DCA "solicitor" MR Munn. Responded with previous letters.
14/4/11 - DCA have put account on hold while they investigate.
28/4/11-The DCA are back.

Climb back aboard the EGG train once more.....

New DCA letter, the jist: "We have heard back from our clients, they say your complaint is rejected, therefore you still owe the debt. Please send us your budget sheet and offer for repayments. If we dont hear from you within 14 days we will pass the account back to our solicitors for further action."


Um, go on then.

[SLUG]

Re: SLUGs UE diary

Climb back aboard the EGG train once more.....

New DCA letter, the jist: "We have heard back from our clients, they say your complaint is rejected, therefore you still owe the debt. Please send us your budget sheet and offer for repayments. If we dont hear from you within 14 days we will pass the account back to our solicitors for further action."


Um, go on then.

Just to note - this letter asks for my "token offer" of payment, slightly different tack from the previous wildly threatening "Northamton Court/please pay full amount" approach they like to take.

[Never-In-Doubt]

Re: SLUGs UE diary

Climb back aboard the EGG train once more.....

New DCA letter, the jist: "We have heard back from our clients, they say your complaint is rejected, therefore you still owe the debt. Please send us your budget sheet and offer for repayments. If we dont hear from you within 14 days we will pass the account back to our solicitors for further action."


Um, go on then.

Send this: ---> Debtors Final Response - CCA Received

[Never-In-Doubt]

Re: SLUGs UE diary

Just to note - this letter asks for my "token offer" of payment, slightly different tack from the previous wildly threatening "Northamton Court/please pay full amount" approach they like to take.

[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.
3/11 - new DCA, ACC ltd. 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
3/11 - Threat of Northhamton court from DCA "solicitor" MR Munn. Responded with previous letters.
14/4/11 - DCA have put account on hold while they investigate.
5/11 - sent letter as advised by Niddy (final response)
16/5/11 - three letter recieved - from EGG and DCA

I have actually recieved 3 letters in reply to my Final Response letter.
The first is a copy of a previous letter, the second is a letter from the DCA saying EGG have said eveything is fine and they are proceeding to chase the money - send us your financial breakdown and offer within 10 days etc etc or we will pass on to solicitors if not etc etc.

The actual letter from EGG is probably a standard response to this, doubt you need a copy?
The gist:
You have asked for a copy of the original signed doc, we are not obliged to provide you with this......they then quote Carey vs HSBC.....We have complied, you are not entitled to any further documentation.
If you wish to see further evidence of your application, recieved online, you can request this through DSIR for a 10quid fee. We would have 40 days to process this request.
The document provided constituted a true copy of the agreement etc etc.

I think all I can do now is ignore right? See what move they make?

[Never-In-Doubt]

Re: SLUGs UE diary

I think all I can do now is ignore right? See what move they make?

Yep, just ignore for now and see if they do indeed send to their legal team, then we'll fire off a threat of litigation - yea?