cupcake68 Vs Egg

[cupcake68]

I requested a cca from Egg on 190409 and sent them the acc in dispute letter once their 12 +2 was up having not heard anything from them.

Egg have now written to say they cannot comply unless we send proof of who we are! ie utility bill, bank statement etc or if not available a letter from a solicitor(!!!!!)

Are they just time wasting? Should I bother sending proof of id without signing anything. I have also had another letter saying they have received my complaint (would that be my letter saying you have not complied...?) and we will here within 8 weeks (but we need to help by logging into our acc!) I don't feel like doing anything, am I right?

Many thanks

Esile

[Steward]

You can use Google to search the web using these links below:-

[clemma]

You do not have to send them anything!!

I would file their letter, but ignore. They have not complied, therefore they are in default of your request,

[cupcake68]

Cheers Clemma!

Cupcake

[cupcake68]

Hi

I have received a DN from Egg.

I'm still learning about all this and I know they haven't made the same mistake as most ie they have allowed me plenty of time to pay but I don't really know what else can be wrong with a DN.

Could someone please check this one for me?

I am a little concerned about this account. I CCA'd them in March knowing it was an online application in 2007-8 so expected to get something back very quickly from them proving it enforceable.

I haven't received anything much but certainly no CCA so haven't paid a thing since.

Any advice appreciated.

Thanks

Cupcake

PS I haven't been logging into my account so not sure about the balance and whether they have been adding charges! - I was worried about doing it because when they sent back saying they couldn't send CCA without proof of ID it said I should log on then!

[clemma]

If you have put this in dispute, then complain ASAP to Trading Standards, FSO and the Information Commissioners Office - they cannot default you whilst in dispute!

The DN looks fine to me - but it still should not have been issued.

[cupcake68]

Thanks Clemma

Should I send them anything?

Cupcake

[clemma]

I haven't got a template letter for you to send to them - someone else may have one though. For now, just complain away.....

[cupcake68]

Thanks!

Is there a way I can complain via email? I tried complaining about Virgin a while ago and eveyone I called said they couldn't help!!

Cupcake

[clemma]

I'm pretty sure you can - I think there is a thread on here somewhere for a website called :How to Complain

Oh and this is the thread http://www.consumeractiongroup.co.uk...ml#post2158085

[cupcake68]

Cheers!

[cupcake68]

Cheeky B******S!!

They sent me a DN quoting payment date by 24th July 2009 and on the 7th July they sent me another letter saying despite their previous correspondence I have not responded to the DN they recently sent me.

The letter is titled Legal action pending.

If I don't contact them my account may be transferred to solicitors!

Cheek!

Cupcake

[cupcake68]

They have terminated my agreement!

[katedog]

They have terminated my agreement!

Hi cc

did they write and tell you?

Katedog.

[cupcake68]

Hi Katedog

I cca'd them in March and they failed to send an agreement.

They sent me a default notice with about a month to pay on and then sent a letter half way through saying that I had chosen to ignore their DN and today they have sent termination
CC

[katedog]

Sounds to me like you've got them worried
i would agree with others that you dont need to do anything,
i would advise that you compalin to everyone you can think of fos oft etc.
my Egg thread is upto date if you want a look.

Katedog

[cupcake68]

Thanks for that!

I panicked because their DN was the only one of the twenty or so we have received that gave me enough time!

I assume they can't enforce it if the account is in dispute because they didn't comply with my request?

I'll have a little read on your thread.

Thanks for the support and good luck.

CC

[cupcake68]

So
Where do I stand now with this?

I'm assuming they will pass me on to a debt collector and I will write back saying they should not have passed on while the account is in dispute etc.

But now they have terminated can they de terminate when they realise ? Can they continue harrassing me for the full amount (I know they will whether they can or not).

I'm just trying to see a bit into the future. I know with others that have sent fault DN's I am pretty much sorted because they can only claim outstanding amount before termination but they have sent a correct DN.

I haven't found any threads to explain this on to me!

Thanks

CC

[cupcake68]

Any ideas?

CC

[cupcake68]

I have received a letter from Moorcroft asking for full payment. If I do not come to an arrangement by 080809 they will be starting legal proceedings.

So..
I assume I should be sending the letter stating the account was in dispute and they should not hvae passed the account on to them.

Are moorcroft part of Egg?

Is there anything else I need to know about them?

Thanks

CC

[cupcake68]

Not sure if it's relevant in this case but Moorcroft letter was dated 010809 and sent second class but states I have to have made repayment arrangements by 080809.

Cupcake