Slap the Macro mode on, if i ever get anything back! Am i alowed to send the account in dispute letter now?

Don't have a scanner, will have to try take some pictures with the camera of it. Can i expect a dodgy looking print out. With a tick box that apperantly qualifies as a signiture?

Well this is for a debt of £267 with Littlewoods. Now i sent a CCA request on the 3rd of feb and the 12 + 2 days ended on the 19th. Recieved a letter saying account was on hold from Fredricksons on the 9th. Just wondering what the next step is and can they enforce the debt now?

Yeah he's added court costs and his fees. It got as far as going through the bulk centre me submitting a defence and it being transferred to my local court. Then Carter sent me a letter saying, i can pay a settlement fee of £500 or something along those lines or pay £797 by monthly installments of £50. I accepted the monthly payments and got a letter from my local court stating that its now been passed on i'm paying monthly installments and should i miss them, then Carter is free t persue the matter in Court. So no i haven't attended court as it didn't get to that stage, but nearly did.

Hi sorry for not looking back at this topic, been dealing with Fredricksons regarding littlewoods and have finally got them to bog off So won that one easy enough. The original debt was £346 with Egg as my Credit Limit was £400, now Egg kept uping the credit limit to £600 because i missed payment due to illness. And then it finally went to carter with a Balance of £646, Carter then has added court fees which took it up to £797. Now my bug bear is, i had PPI insurance on this, now with my PPI on Blackhorse i was entitled to take a payment holiday or reduce payments which should of been the case with EGG. So i think i have been missold PPI by Egg and also Carter sent a what looked like a printed off copy of terms and condidtions 3/4 days after the date i had to submit my defence to Northampton bulk centre. It also had no signitures, just a tick in a box saying that this is my signiture for the agreement. The card was took out in 2006, i have sent Carter a letter asking to reduce payments from £50 per month to £20 per month. As he said if i didn't adhere to the monthly payments he would request the court strike it out for further costs and a CCJ i imagine. Hope this makes it slightly clearer.

Hi sorry to drag this up. The Original Debt was £646 after Egg adding on charges etc and Carter adding his costs on. Sent a Cca requestest to them after Carter issueing a court claim through Northampton Bulk centre. Now i recieved a copy of the credit agreement the day after the defence was due. So this was sent to the court in the defence. I got a allocation questionare and then Mr Carter sent his offer which i accepted of a £50 per month payment. Ad if i broke this they would go back through the court route. Now i'm having some issue with work and am not allowed to work my usual 44 hour week for a couple of months, so my income has taking a big hit. Should i write to Carter and explain the situation and to offer £1 untill March when my wage will be back to Normal? I have had two operations in december a Hernia Op and a Laproscopic Adrenalectomy and as i work as a Health Care Assistant i could't do any manual handling and lifting for 6 weeks, and SSP is not much.

Got CCA back from Egg, submitted a defence to the Bulk centre and filled in a Allocation questionare, then received a form from Mr Carter saying they accept a final settlemant of £500 or monthly payments of £50 per month. Which i accepted at the time as i didn't want a CCJ. Then got a form saying i'd accepted Carters offer and should i go against it, then it will be referred back to the court.

Hi in need of a bit of advice regarding this Muppet, after being issued with court summons and submitting CCA requests etc to them for something off Egg, it came that i would pay Carter £50 a month. Now I'm having a bit of financial difficulty at this moment in time and can not afford to pay the £50 a month. Now i dn't want a CCJ filing against my name. So is there a way of dealing with this idiot to reduce the payment for a couple of months till i get my finances in Order?

This is whats worrying me, i had the accident sept 2009, and continued to pay as normal then in march 2010 i purchased a new bike and changed the bike on the existing policy. I renewed the policy August this year and didn't declare the accident as id not had any feedback from the accident and therefore thought nothing of it. The only thing is, i never recieved any statement form to fill in regarding the accident, i admitted liability to my insurers and thought they'd deal with it. Now if this does go to court, i can only offer monthly payments of £50 a month maximum. I don't have a spare £988 to give to her solicitors.

Will it matter i renewed my insurance with the same company in August this year? I heard nothing about this accident once i told my insurers about the accident and got nothing from her insurance. Just find it a bit fishy its took 13 months to decide for he to make a claim.

Sorry just thought i was supposed be in this forum:confused:

Basically i had an accident on the 11th september 2009 which was my fault (i hit the back of her) I rang my insurance as soon as i got out of hospital as i had dislocated my ankle. Gave the details of the crash to my insurance and her address and insurance details etc. Left it at that as its in their hands. Heard nothing and continued to pay my insurance. Policy ended this august so renewed with the same company Express and now get this court summons. Claiming for £1002 damges and car hire plus £66 intrest on the costs. I recieved no letter from my insurance regarding the crash or from her insurance company. Just wondering where i stand, i cant afford to pay this off.

Read through some of the above posts and im still none the wiser. I HAVE A n149 if that helps. Do i have a case in that the claiments solicitor failed to provide me with suffcient documents, therefore i could only submit a embarassed defence? Cheers Marc

Hope you guys/girls can help

Hi was wondering if you could help me as it is due in on the 2nd August. Recieved the form today! Now i sent a CPR request to Bryan Carter on the 10th of June and this was sent recorded, i recieved a letter from Mr Carter saying this was an unresonable request on the 16th of June. I sent them a letter the week after this reminding them to fullfill my CPR request to file my defence. I still recieved nothing, so on the 28th of June i had to sumit a embarassed defence as i had not recieved any of the documents. On the 2nd of July i got a big parcel from Carter contaning some statements from Egg and some screen shot of a EGG Computer program with my name etc. The original debt is with Egg for £696. Please Help. Regards Marc

Well the 24th has been and gone and after a letter reminding him to fullfill my CPR request he has not replied. I take it i should now submit my embarassed defense to the courts?

I see we both got the same standard response!!!! I hope we both can pop this clown down, i will be reporting him for prating me about and also the phone calls on the hour, every hour previously. I will remind him on Monday he has had since the 10th to provide me with the documents and that he has till Thursday the 24th otherwise the embarassed defense is going in.

The Total amount Carter is claiming for is £797, don't know where this amount comes from, as i had a £400 credit limit with Egg and Missed two Payments then it was sent to these nobbers. I will write to Carter reminding him that he needs to fullfill this request and give him up to next tuesday and then i will submit an embarrassed defense. One thing also, what happens if, i submit my embarrassed defense and Carter sends me the documents after its submitted?

Bryan Carter/Frederickson the compulsive billy bull****ters

So do i wait it out for Egg to send me my requested stuff then? I mean why doesn't Carter have these documents if he's taking me to court? Surely he'd have copies or the originals for his side of the claim?

I'm going to send a letter to Carter, outlining the fact he is a compulsive lierr! Now correct me if i'm wrong, if the debt has been passed to them by Egg, then they should have all the documents i require. The Credit agreement Default Notice Termination notice So my request is not unreasonable. He is happy to say that i have failed to meet my demands, but when i demand something he pratts about. He needs dropping down a ped or two this guy. I want to make this guys blood pressure sky rocket, like he has done with mine

Right just a little update on my ongoing saga with these idiots. Basically i was issued with a court summons on the 1st of June which i have acknowledged and will be filing a full defense. I submitted a CPR 31.14 request to them and have give them to the 24th of June to reply. As my defense has to be in by the 29th. Now today i received a letter saying the following from Carter. Thank you for your letter and the contents have been noted. We do not consider that your request, in its entirely to be reasonable as we believe this matter should most properly be allocated to the small claims track. It was our clients policy to issue agreements on or around the date of the contract and statements throughout thhe duration of the agreement. If you require further copies please write to Egg blah blah In the meantime we have referred your request to our client. So where do i stand now, do i wait till my deadline of the the 24th for the documents i reqested or submit to the court that they are ****ing me about. Cheers Marc

Cheers, i'll request a payment book off them and pay via the post office or something. Don't want any doorstep visits. Don't like the fact he was harassing my Mum who is 48 hours post op. And as someone has already said, its a breach of the Data Protection Act, when will these DCA learn, that this country has rules that everyone has to adhere to!!! I don't discuss my patients conditions at home, so why should they discuss my debt with other people. Only £188 and the Bryan Carter idiots to deal with, and then I'm debt free.

Basically i have been paying these lot since last October for a debt i have with Orange mobile £508. The debt collector used to call every second Wednesday of the month and was strangely very nice and if i couldn't afford the full £50 a month she'd take whatever i could reasonably afford. However this lady moved onto a better job than moor croft and now the collecting has been taken over by an utter muppet who called today and was very intimidating towards my own mother. Now i only have £188 left to pay, but i 'm not dealing with this muppet. Should i ring this guy up or contact moor croft and tell them i will pay over the phone?

Been reading through the post below as its a similar situation to mine. The Debt i assume was sold by egg. I received no notification from egg about my arrears or a default notice. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/244010-bryan-carter-litigation-proceedings.html