sorry wrong thread

Hiya hedgey.... So happy for you as site helper...... Glad you are helping do some good on here....your advice is always good... Love you loads... Russ

Hi again rich.... If the debt is actually owed then it's best to agree a repayment plan with the DCA along with a letter requesting all further contact in writing. If they threaten and try to bluff you....then let them know you are aware of your rights... If they haven't got any court orders.....just continue to pay what you can afford to pay... If they threaten to send someone round then send them a letter stating that they will be liable for tresspass....you can send them this! Please also be advised re your threats to send someone to collect goods from my home that: There is an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). I revoke license under English Common Law for you, or your representatives to visit me at my property and if you do so without our permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me. Take care.... Russ

This is the last post on this thread....... By me anyway.....lol

Hi rich..... Is this a debt you know about?? What do you want to do about the debt?? If it is a debt you are disputing then this is what I did...... 1st port of call.....'Consumer Credit Agreement' request to both Connaughts and 1st credit...... They then have to supply a true copy of the original agreement, statement of account and Terms and Conditions....within 12 days of receipt.....If they don't the debt is unrecoverable till they supply the agreement, etc... Then another calender month and they have committed an offence and they need to go to court and get a judge to allow them to persue you for the debt.... Also in the request to connaughts request a copy of 'the deed of assignment'....this will show if Connaughts or 1st credit own the debt.... If connaughts cannot supply this then they are not allowed to persue you.... Only problem is they will then have your new address..... If you need any help just PM me..... Russ

Hi over.... Had and won a similar fight with EGG....monday....had loan wiped.... Did they supply a statement of account and their Terms and Conditions with the CCA request?? If not then it might not have been fulfilled properly.....lol That's what they did with me... Have you sent a Subject Access Request?? If you do, it means you can see what has been paid, copies of phone calls and who you have spoken to......all the notes on their computer system... Write a letter to the person in charge of the bank and mke them aware of what has happened..... Just don't give in and accept anything until you get what is right..... a full refund of all PPI payments made to date, and the PPI removed from the original balance.... If you need anything just send me a PM.....

cheers dx.....will do that tomorrow....

I think I was lucky.....I found someone at EGG who listened and actually realised I had their b*lls on a platter....lol Mis-selling PPI and loan, breach of contract, CCA not supplied causing offence, SAR's not supplied and lying to the financial ombudsman......lol Oh and Nastywest decided to settle on the same day......lol So got a double whammy......lol

Just quickly popped back to let you know what happened..... EGG have sent confirmation letter that they will NO longer be recovering the debt..... They are cleaning my CRA files and listing the loan as settled with a zero balance.... They appologised on the phone for the way I was treated..... And are dealing with Moorcroft.....lol So I won.......lol They wiped out the £4709 they said I owed.......... Persistance paid off.....lol Don't give up un1boy......Thanx for all the help..... I have moved with fendy....so not about much......lol

Sorry peeps.... Closing all my threads now...... Thanks for everyones help and support......

Sorry peeps.... Closing all my threads now...... Thanks for everyones help and support...... Russ

Sorry peeps.... Closing all my threads now...... Thanks for everyones help and support......

Sorry peeps.... Closing all my threads now...... Thanks for everyones help and support......

Sorry peeps.... Closing all my threads now...... Thanks for everyones help and support......

Sorry peeps.... Closing all my threads now...... Thanks for everyones help and support......

Thanks for everyones help and support...... Sorry peeps.... Closing all my threads now......

ooooooo....you lucky fairy.....fendy! Wish we were all going.....INXS...... You should be on here helping all of us.......lol

Here here parky..... you all have helped me at one point or another when I been in trouble or felt low.....lol What would I do without you all.......(Probably have nervous breakdown).....lol

I will do that.... Thanks un1 for all your help and advice..... And thanks to everyone who is helping..... I would have lost the plot if it wasn't for all the support you guys have given me! Russ

Hi un1boy.... I am going to report them.....but giving the lady at EGG till 30th to resolve my complaint about the PPI and loan first.... If she can get it all dropped all I will have to do is prove the failure to supply CCA and SAR's..... If it comes to nothing then I can still use the CCA, mis-selling, false statement of account, SAR's, Harassment, etc....to go ahead in court....lol I am just giving her a chance to put things right prior to court action.....should make any judge look at me as bending over backward to get this sorted out prior to court.....lol

Had a few more things happen since I last posted....lol Moorcroft have started threatening me again by phone, letter..... They even swore at me again on the phone and failed to tell me who they were when they called me.... After calling EGG by phone I have informed them of their failure to fullfill my CCA request.... The nice peron I spoke to is for the first time actually looking into my complaint personally.... They have put a muzzle on Moorcroft until 30th June.... Today I received a copy of a Credit agreement with incorrect details on it as EGG refunded the PPI....the total amount to be repayed is incorrect as well as the interest rate is wrong....lol I also received a statement of account.....but the figures are incorrect....lol It appears EGG staff cannot add or subtract properly.....lol Instead of applying my payments from the balance of account they added them to the amount owing.....effectively making what I owe greater.....lol Yet more ammunition for a court case......lol

My car that has been on axle stands for 3 years has always been sorn whilst off the road. In December 2006 I sent SORN document to DVLA with another V5 document. They managed to lose it! I have provided them with proof that the letter was delivered, recorded delivery slip. They are claiming that it wasn't in the envelope! They say they sent a V11 reminder, but I never received it! They have also sent 3 letters detailing what to do and none of these got to me either! They insist I pay a £40 PENALTY CHARGE..... Can I ask them to prove what this charge is for as we do in our Bank Charge claims? I thought a Penalty charge was for a breach of contract?? As I am furious that they are trying to charge me without any contract! Can anyone enlighten me as to how they can issue Penalty charges for their mistakes?? The day I found out they had lost the form I did the SORN on the internet.....shame I didn't know you could do this until they told me....in April 2007.... I am so mad....I always TAX or SORN my cars....... Help and advice please..... Russ

benders....waspie???? You must have been chatting with me lodger.....lol He's the swinging funster here.....lol

FMB wearers......phwoar.....lol

I think we need to muzzle you tempty....lol