Hello all, I guess this is probably the correct place to ask this question, but am not sure since - for a change - the boot is somewhat on the other foot. I have an enforcable judgement (European Order for Payment) against a financial institution in the UK. I am not currently resident and after a process lasting nearly a year, have just received the EOP from the court where I currently reside. My question is this, how do I actually enforce the order for payment! County court in the location covering the postcode of the institution, or has anyone any other idea. The amount is just shy of 3,000 quid. Thanks.

Geordie Boy, There are a lot of legible personal details on that link - perhaps you could edit it again - I can read your name, address and so on. The agreement does appear to contain most of the required terms as Slick says, I wouldn't like to say if it is enforceable or not, but suspect it probably is. Best of luck though, wjms

Jennji, Sounds similar to my situation. Did you mean to include what looks like your real card number in post #3? I suspect you may want to edit it soonest! (now done!) Good luck too with the whole thing. I might add that I tend to re-word any letters I send out a bit to prevent them appearing to be cut & paste jobs like the letters Egg send back. Not sure if this actually makes any difference, also there is the occasional spelling mistake in some of the letters that others have drafted and the grammar sometimes doesn't quite work!

OK, well a couple of weeks later and the first reply came in, from AaRrseCo (Europe) Ltd: Sent them back an e-mail stating that the matter was still in dispute (waiting for CCA 78 (1) copy), and with the FOS. Please don't write any more! Next morning there's post from Egg: To summarise, acknowledges receipt of my CCA Request, but asks for proof of address as the one I gave is different to the one on their records - Doh, I corrected their spelling mistake on my town's name, the rest is the same... Sent e-mail back telling them this, and also refusing to send them something when they have been happily sending mail to this address for the past few months. Copies of their correspondence and my answers scanned and e-mailed to the FOS for their file... So, still ongoing.

OK, a couple of weeks later and still no response from Egg to my send me the original CCA letter I sent them. Wait and see I guess.

Just when I thought it had gone quite quiet on the Oef front, I got a response to my complaint. Since my scanner is currently up the spout, here's the text: Phew. That took a couple of minutes to type in. I have put in a complaint to the FOS as they suggest, and also now sent them a letter asking for a copy of their version of the CCA since it obviously differs from my copy of the original one from 1999! I enclosed a pound and sent the request in line with 78(1) CCA 74 - I realise that this is somewhat deprecated by certain forum gurus, but since I have the customer's copy in original here (although not signed) don't see what I have to lose by it. I would really welcome any thoughts about both the contents of their letter and the way forward. Thanks in advance! wjms

Hello all, Following a very drastic change in my circumstances last year I've been trying to claim charges and so on back from my various banks and credit cards. I've been dealing with First Direct for some time - they cancelled our account and transferred it to MCS, and so on and so forth. Then, when I put in a claim for charges etc, they stated that they were unable to action the claim as a result of the ongoing test case, our overdraft (less than the amount claimed) was conveniently forgotten and MCS (FS's in house collection team I believe) continued to try to collect the alleged debt. I offered, without prejudice, to write off my claim for unlawful charges against their alleged over draft costs... To my slight surprise today I got the attached letter. Would welcome your opinions - should I still try to hammer them for a full and final settlement of all claims from both sides, or should I just wait since they admit that my claim is for more than the amount transferred to MCS...? Thanks in advance for your thoughts. Jim fd letter re charges vs od.pdf

Thanks - seems to have just been a system error between stool and keyboard then! DOH!

And without wanting to appear silly - what does the link show? I can't seem to find the contact list from here... Perhaps the sticky is stuck? Toady

It was getting rather boring, but today's post brought: Humm. Not sure what exactly they are trying to achieve - other than getting me to acknowledge that the debt is enforceable! Your thoughts would be welcome! My current plan is to ignore this drivel. It sounds like some sort of multi-level marketing scheme! The four exclamation marks are actually copied directly from the letter! Jim

Update - 5 days on and still nothing heard. I'll turn the kettle off now then. Shame, I was quite enjoying talking to the chap from RMA occasionally... not. Jim

Morning Slick, Thanks for the suggested response to RMA, I'll send that off today. I sent a very similar letter off to BC stating that I find their response to my CCA request inadequate and that I consider them still to be in default. The other interesting point is that RMA are referring in their letter to something which, to my knowledge, BC have not sent to me. However, it may also be in the post I'll wait and see. I'll keep the thread updated when I next get anything from them. Jim

OK, a letter today from RMA. Is it, as I think, pure hot air? Jim

Good evening Slick, Thanks again to both of you for your advice. There's been a rather worrying silence from both parties (BC and RMA/NCO) since I faxed them my letters. However, sure that something is in the post since I asked them to write to me in the future ! Otherwise, will see what they have to say. Until then, waiting out! Thanks again, Jim

Thanks again to both of you. I've got an Asterisk telephone system at this end so all calls from a particular UK dialing code are now being recorded. I can also switch on recording on a call-by-call basis. I've informed both BC and RMA/NCO that I am recording calls in my letters to them about the alleged harassment by phone, but am not sure if I need to tell them if they call and I answer it? I doubt very much if I'll be actually doing anything with the records since I believe you have to go to court in person to put a plaint in and I am not planning on travelling back to the UK to do that! Have a good weekend. Jim