SLUGs UE diary

[SLUG]

Re: SLUGs UE diary

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?

Heh... this is becoming quite circular really - Im now back in ignoring mode

[Never-In-Doubt]

Re: SLUGs UE diary

Heh... this is becoming quite circular really - Im now back in ignoring mode

You'll soon get used to it mate - at first you are sane and before long you're stark raving mad (when you deal with lenders/dca's and their muppet friends etc)

[scarednshakin]

Re: SLUGs UE diary

But it is a happy kind of mad!!!!

[SLUG]

Re: SLUGs UE diary

...not an update, but a quick question:

EGG credit has been brought by Barclays Bank, and the old EGG cards are going to be run by Barclaycard.
Now my bank account is with Barclays, will this cause me an issue? Will they start linking back retrospectively? Thoughts?

[Never-In-Doubt]

Re: SLUGs UE diary

...not an update, but a quick question:

EGG credit has been brought by Barclays Bank, and the old EGG cards are going to be run by Barclaycard.
Now my bank account is with Barclays, will this cause me an issue? Will they start linking back retrospectively? Thoughts?

Right of SetOff is a big issue, yes it will cause problems but not right now, wait till barclays start the full servicing of the old Egg account and then look at alternative banking or transfer funds into another account as soon as you can after payday....

I'll make a post about this shortly...... bear with me

[Never-In-Doubt]

Re: SLUGs UE diary

See this: ---> Egg selling to Barclays

[SLUG]

Re: SLUGs UE diary

Once again I have recieved the letter from Trev Mun saying they have prepared all the darn paperwork for Northhampton courts and are ready to go - I can avoid this etc etc etc yawnnnnnnn.
A tthe same time my phone has gone daily with an auto-dialer or mobile number from the DCA. Oh yeah, like, after 12 months of ignoring I'm suddenly going to start answering?

I *really* think they are calling my bluff on this, their wording still contains "may" take court action.

Do I really need to send them the same letters again, considering I said last time this is my last coraspondance on the matter?
I'm happy to let this play out further.

[Never-In-Doubt]

Re: SLUGs UE diary

Once again I have recieved the letter from Trev Mun saying they have prepared all the darn paperwork for Northhampton courts and are ready to go - I can avoid this etc etc etc yawnnnnnnn.
A tthe same time my phone has gone daily with an auto-dialer or mobile number from the DCA. Oh yeah, like, after 12 months of ignoring I'm suddenly going to start answering?

I *really* think they are calling my bluff on this, their wording still contains "may" take court action.

Do I really need to send them the same letters again, considering I said last time this is my last coraspondance on the matter?
I'm happy to let this play out further.

Mate please remind me, what account is this for? A link to previous posts maybe.....?

[SLUG]

Re: SLUGs UE diary

Mate please remind me, what account is this for? A link to previous posts maybe.....?

Ha ha, Whoops! Sorry mate, its very easy to forget you are dealing with shed loads of people with multiple accounts - this is for the EGG account....I have also just had another letter related to this EGG account......

UPDATE 12/6/11 EGG
Have just received another letter from the DCA, saying they've noticed this account is still outstanding, but EGG will accept a reduced offer if I reply within 14 days. If I dont they may pass on to Trevor Munters solicitors-----
Right. The same Trevor Munters that sent me a letter over 2 weeks ago saying they were (maybe) about to take me to court?
They seem to be just going round in circles with standard letters right now ----Im totally happy to just ignore, I've sent everything I can in previous replies, including "this is my final response" letter I think.

This is the account history:


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.
13/3/11 - Letter response from new DCA to previous letters saying they would look into it.
3/11 - Threat of Northhamton court from DCA "solicitor" T Munn. Responded with both previous letters I have sent.
14/4/11 - DCA have put account on hold while they investigate my reply.
24/5/11- letter from DCA "solicitor" Mr Trev Munn, same old letter, threat of Northampton court.
13/6/11 - letter from DCA offering a settlement for a reduced amount if I get in contact within 14 days.

[Never-In-Doubt]

Re: SLUGs UE diary

Ha ha, Whoops! Sorry mate, its very easy to forget you are dealing with shed loads of people with multiple accounts - this is for the EGG account....I have also just had another letter related to this EGG account......

UPDATE 12/6/11 EGG
Have just received another letter from the DCA, saying they've noticed this account is still outstanding, but EGG will accept a reduced offer if I reply within 14 days. If I dont they may pass on to Trevor Munters solicitors-----
Right. The same Trevor Munters that sent me a letter over 2 weeks ago saying they were (maybe) about to take me to court?
They seem to be just going round in circles with standard letters right now ----Im totally happy to just ignore, I've sent everything I can in previous replies, including "this is my final response" letter I think.

Sory for the delay in getting back to you mate - seems you made the right call to ignore them then, after all?

All the templates are now new and linked to our website; they contain all new case law and have been totally re-written with some new ones added so it's worth checking them out and if they write back, consider sending one of the new versions out that does quote several case law within it ---> Templates - Unenforceability

[SLUG]

Re: SLUGs UE diary

3. CAHOOT CC
Approx balance: 5k

1/07/10 - sent first CCA request
03/09/10 - no reply yet...... No default issued either yet. Received a phone call about once a month that I ignore from their repayments dept. They seem surprisingly laid back about this so I'm doing the same. I haven't sent a reminder letter, I think current NID thinking is they are in default of my initial request so to leave for now.
08/10/10 - nothing still.
07/12/10 - Not a sausage still. Nada. Nowt. Not even a letter or a phone call for a couple of months. I'm beginging to doubt they *really* love me.
05/01/11 - Not recieving a single contact in any form on this account now. Long may it last.
14/04/11 - It's still lasting!
09/09/11 - YOWZER! over a year since I've had a letter or phone call..... I have just recived 2x letters from Cahoot - one of which is a default.

Long time no visit! ....I hope you are all well.

.....well well well.... the account above, Cahoot CC, who I sent my CCA request to over 14months(!) ago have finally got in touch. No reply to my old letter obviously but they have served a default on the account now (took a while eh, thought they forgotten me), and sent a letter saying I have missed a payment and need to settle.

No threats of any kind yet, or any DCA action so my opinion is to leave well alone for now and see what they come up with next.

Sound like a plan?

[MrsD]

Re: SLUGs UE diary

yup Slug that's what I would do

[Never-In-Doubt]

Re: SLUGs UE diary

Hey stranger - who are you again?

Keep us updated, enjoy the peace n quiet yea

[SLUG]

Re: SLUGs UE diary

Greetings - my this place has changed (again!), very nice it looks too!

Well nothing to report as such, the two outstanding cards I still haven't heard a peep from for ages, in fact coming up to a year with no contact on one, and 8 months on the other......I'm so relaxed about these now I'm practically horizontal.
....but, I have a question regarding the card I went to court on, and am paying off at a court ordered pittance a month. Later this year I will be in the position to offer an F&F on this, and they have even just reached out to me on the very subject so they are obviously rather pissed that they are getting so little return on their investment!

What is the current position people are taking on making an offer? Is it as low as 10%? My debt is approx 7k.

The (very) long term plan is to recover my credit rating, so I am assuming this court plan will appear on there forever until settled, so I would be wise to try and dispose of it if I can? The other cards I'm hoping to sit out until they drop off.

Also, is there a maximum offer we should stop at? Again, I'm not under any pressure so assume I hold all the cards - the court repayments in place means the account is all quiet otherwise.

Cheers ears!

[Deepie]

Re: SLUGs UE diary

Have a look here------> Creditor Offer Templates
Start at 10% no higher than 20%