So what should i Do then should i respond to egg and send off the required documents? This will update there records internally to my new address? i thought i should get my SAR? but obviously they responded with this?

which documents? i just got a letter saying the account was on hold for the time being and that was it?

Please click on URL to view Documents - Lowell are after the whole lot and want me to pay in full or set up a repayment plan. No not currently showing on my CRA file egg have removed theres and lowell will put it on mine once ive accepted its mine or they have me by the short and curls.

Just recieved these today from Egg - what should i do im a little confused?? http://imageshack.us/photo/my-images/94/egg2y.jpg/ http://imageshack.us/photo/my-images/220/eggv.jpg/

Thank you all for you input, ive sent the letters off now. i'll be back soon with any further news.

just released that i have a small loan with egg outstanding to but never been chased by them for this or any DCA? the SAR would bring all details of this to wouldnt it. they may still own it. just thinking am i setting myself up for a fall here on the loan? Bollocks to it i need to send the SAR either way im screwed

just a quick question, i have the sar letter now and a letter to lowell, wont egg now know where i live now and wont they try pursuing me if lowell cant persue me?

hows this then for a SAR request? Subject access request Dear Sir/Madam Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:- 1. The original signed, executed credit agreement/s and any terms and conditions that applied to the account/s at the time of default and at the time the account/s was/were opened. 2. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with you. 3. True copies of any notice of assignment and default notices or enforcement notice that you sent me, with a copy of any proof of postage that you hold. 4. Documents relating to any insurance added to the account/s, including the insurance contract and terms and conditions, date/s they were/ it was added and deleted. (if applicable). 5. Details of any collection charges added to the account/s; specifically, the date they were/it was levied, the amount of the charge, a detailed financial breakdown of how the charge was/charges were calculated, and what the charge covers/charges cover. 6. Specific details of the fees/charges levied by any other agency in respect of this account/these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 7. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998 8. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed. 9. Copies of statements for the entire duration of the credit agreement/s. 10.Termination notices PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec) You are reminded that you are obliged to supply all the above documents in line with the Information Commissioners Technical Guidance update (Dated August 2007) I enclose the statutory maximum fee of £10. You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. Yours faithfully,

wouldnt me sending a sar to egg invalidate my potential to go staute bar in 18 months?

or should i just request a SAR?

so what am i acutally sending egg then a letter about charges and the DN and how there didnt follow correct procedures is that right?

any suggestions on how the letter should be laid out and in what format, is there any templates i could use?

So send a letter to egg asking for a copy of the DN? what next after that if they send me a copy? what do i tell lowell in the meantime?

thanks for your input, but im confused on what i need to do, i received a NOA through the DCA, which stated that they have bought and own the debt completely. as well as all other documents, statements cca blah blah. what are my next actions? should i respond to the DCA telling them that its unenforceable due to me not receiving a NOA direct from the Egg? or a DN? or Both? Please help i'm a little lost and got another letter today threatening legal action as well as court?

i never ever got a default notice from the credit card vendor or Lowell?

http://imageshack.us/photo/my-images/30/cca4h.jpg/ http://imageshack.us/photo/my-images/37/cca3.jpg/ http://imageshack.us/photo/my-images/841/cca2.jpg/ http://imageshack.us/photo/my-images/89/cca1d.jpg/ here are the links to view the Documents

Hi all, im new here and need some help i have used some info from this site and i have follow the natural process by sending a CCA request off for a debt owned around £2500 for a credit card. they have now come back to me with a CCA & terms and conditions for this after i requested the cca even though they were outside the time allocated. but there last letter did say that this is closed but if the CCA ever becomes avalaible they would be in contact. this has been going on since October 2010. Just to make you all aware i received a CCA respoinse a Full Statement history as well as the term and conditions, 114 pages of it and the deed of assignment and agreement from lowell the last credit was 4th april 2007, does this mean im screwed? what next? ive been ignoring them but have now received a letter from Red Debt collection regarding legal action.

Hi all, i received a letter today stating that they had bought the debt from Egg and they now own it, they say i cant say the account is in dispute and they have provided me with everything that was requested via the CCA letter i sent out last year and they even sent me a copy of the NOA. any suggestions on what to do now. Would me turning around and saying you have the wrong guy at this stage help me in any shape or form?

can i request them to provided Notice of Default on this account and would this slow things down?

I never received a Default notice so what does that mena? also they inform me that they own the debt? but no DOA has been sent to me?

Hi just to make you aware, i didnt receive Notice of assignment as this was sent to the address the debt was assigned to and also how is the default process carried out? is there a letter i can send on this please? as i wasnt made aware of a default and the never receied anything about the NOA? Please Help

Dont mean to sound dum but whats a NOA? and how is the default notice carreid out? Also how do i go about sending them a letter stating that the CCA is enforcable due to it not containing the credit limit on it? would appricate some thoughts on this?

Could you please advise me on my thread in reltion to weather the CCA is enforcable please i stcuk currently http://www.consumeractiongroup.co.uk/forum/showthread.php?288803-Im-New-amp-Need-Help-with-lowell-group/page2

can anyone advise me on what to do next please?