Hi Sorry i should have said i am an arranged payment plan arranged by myself £15 per month

Thanks, No idon't think so as i have never defaulted or PPI, the only thing is i remember they kept putting my card limit up without telling me, as it says £4600 on the agreement and was raised to £5500? Thanks again:-)

Hi, Can someone advise me ? Thank-you Image0011.PDF Image0012.PDF Image0013.PDF

Hi I had exactly the same over 2 wks ago,(Egg is having a purge of these by all accounts!) Apex wouldn't except my offer i CCa'd them and Egg, then Apex sent me a letter saying they will chase Egg for the aggreement and that i wouldnt be called upon until this situation is settled.....needless to say ive heard nothing from Egg ! 12+7 days..............not holding my breath though :grin:

Thanks for that i will send in the morning, what was the outcome for you? or is it still ongoing? Regards Littleme:oops:

Thanks for that i did doubt it when i saw it! Can anyone point me in the direction of a letter i can reply with please xx

Hi All Have received today this one sided photo copy my application form and a stapled photo copies of some T&C's Can some one advise what to do next?? Many Thanks Image0006.PDF Image0008.PDF Image0009.PDF

Hello all, Just a quick Question its now been 12+2 days since i CCA'd my creditors, and ive heard nothing! But EGG and M&S have cashed the £1 stat.fee cheque is this right that they cash them anyway??Or am i being abit previous?? The other 2 creditors havent? (i got a family member to write the cheques) Thanks all x

Hi, Just wanted to let you know that i CCa'd Egg 11 days ago(and counting) and sent a copy to APEX which EGG kindly passed my account over to!! The only letter i have received back was from APEX acknowledging my letter and they have stopped all further 'harasment' (as i wasnt prepared to pay APEX £50 per month when i was paying EGG £10!) and they will chase EGG up regarding the matter of sending me my true copy of my t&C's, i told them in the letter that my account was in dispute! So....this leads me to believe that they haven't actually 'sold' my account??

Hi, Thank-you We will see what happens or what the postie brings!!

Found it!!! http://www.consumeractiongroup.co.uk/forum/general-debt-issues/134506-inside-dca.html Hope you can open it ok?? its under 'General Debt Issues' and the thread is called : inside a dca!

Bare with me ive got to remember where i saw it now!!

Hi, Thanks for that! I will wait and see what happens, one thing i just thought of Egg did not send me a default notice before i got the letter from APEX, and on the phone APEX quoted a default date of AUGUST 2008, which was the date when i approached egg with my reduced monthly offer? Was i supposed to have a default notice this time? I have never missed an arranged payment to them Thank-u!

Hi, I wasnt sent a default notice, and i am considering writing to Egg to tell them this, i have sent a CCA request to APEX but in my haste i didnt send the £1, i did to Egg though, I'm waiting to see if anyone can help me on my thread so i will keep a keen eye on yours too! I have just read a fantastic thread on here from someone who used to work for a DC company, have a read it opens your eyes to the on goings of these companies!

Hi all, Me again! I have various credit card debt My M&S card has a balance of 9.5k, i have an arrangement with them to pay 25.00 per month and they have frozen the interest, i have had this arrangement for a year now,i have CCA'd them and im waiting, ..... I used to work for an M&S store and believe me we were not trained financial advisors and we were pestered all of the time to open &more cards for customers as there is big money to be made from HSBC for the store. Its funny i seem to remember a mass training session on the &more and the importance of signing CCA's (3 copies of) in about 2006!! I opened my &more acc. instore in 2003 so i know it wasnt just transferred from a chargecard account, and to my knowledge they up'd and double up'd my limit to £10k, which was my annual salary! (without telling me i must add) What i want to know is after reading many threads and trying to be brave, if they get the hump with me for sending this first letter, will they cancel my arrangement and send me straight to a debt collecting agency???? I have paid this months 25.00, I am a single mum and although the payment arrangement is affordable the balance of account depresses me ALOT!!!! All help appreciated Thank-you

Hello, Really love this site have been reading it for a while now,and i think its gonna be invaluable to me ( or all the brilliant people on here ) I have just applied to EGG and 5 other creditors for my CCA, i set up my own repayment plan with all my creditors which have been on going now for a year, but im getting more fed up with the balances still huge,and BRAVE now! I owe EGG 3,500 on a credit card i took out in 2003, i payed them £7.00 a month then they asked for more then i payed £10.00 a month for another 6 months.............. Then on the way back from sending my CCA letters recorded from the post office, what should be waiting for me.....a letter from 'APEX' How strange?? (looks like EGG got brave too?,lol) i rang APEX and emailed them my budget plan and CCS ref number, APEX have said they will only accept £50, Which i can't afford (being a single mum) anyway, i sent a copy of the letter to apex that i sent EGG but without the £1 fee, What i want to know is if you lovely people can help me is should i have sent APEX a different letter, if so, which one? Thanks to all in advance

Hi all, I have various credit card debt My M&S card has a balance of 9.5k, i have an arrangement with them to pay 25.00 per month and they have frozen the interest, i have had this arrangement for a year now,i have CCA'd them and im waiting, ..... I used to work for an M&S store and believe me we were not trained financial advisors and we were pestered all of the time to open &more cards for customers as there is big money to be made from HSBC for the store. Its funny i seem to remember a mass training session on the &more and the importance of signing CCA's (3 copies of) in about 2006!! I opened my &more acc. instore in 2003 so i know it wasnt just transferred from a chargecard account, and to my knowledge they up'd and double up'd my limit to £10k, which was my annual salary! (without telling me i must add) What i want to know is after reading many threads and trying to be brave, if they get the hump with me for sending this first letter, will they cancel my arrangement and send me straight to a debt collecting agency???? I have paid this months 25.00, I am a single mum and although the payment arrangement is affordable the balance of account depresses me ALOT!!!! All help appreciated Thank-you

Looks like Egg have had a busy month,!! I have had exactly the same letter, i was shocked as Egg didnt have the decency to tell me! I'm sure someone will be able to help you x

Hello, Really love this site have been reading it for a while now,and i think its gonna be invaluable to me ( or all the brilliant people on here ) I have just applied to EGG and 5 other creditors for my CCA, i set up my own repayment plan with all my creditors which have been on going now for a year, but im getting more fed up with the balances still huge,and BRAVE now! I owe EGG 3,500 on a credit card i took out in 2003, i payed them £7.00 a month then they asked for more then i payed £10.00 a month for another 6 months.............. Then on the way back from sending my CCA letters recorded from the post office, what should be waiting for me.....a letter from 'APEX' How strange?? (looks like EGG got brave too?,lol) i rang APEX and emailed them my budget plan and CCS ref number, APEX have said they will only accept £50, Which i can't afford (being a single mum) anyway, i sent a copy of the letter to apex that i sent EGG but without the £1 fee, What i want to know is if you lovely people can help me is should i have sent APEX a different letter, if so, which one? Thanks to all in advance