I honestly thought this case had died the death, but lo and behold this Saturday I received a package through the post that almost gave the poor postie a hernia. I had been sent a pressie from Bryan Carter containing all my Egg statements upto 2nd November last year. All the printed sheets have the date 27/11/2009 on them, but the letter from Bryan Carter is dated 3rd June 2010. I phoned BC to ask what they were playing at and was told that they were sorry for the delay in sending me the statements (7 months) but that they were going to proceed with the claim through the County Court. Can they actually do this? The case has been stayed for more than 6 months.

Are Bryan Carter allowed to keep phoning us now that summons have been served?

I've just sent an e-mail to Payplan asking if they could provide me with a statement of all payments made against this debt. I haven't told them I've received court papers.

Will do, I'll be back on Monday with their response.

It says in the above letter that I will file defence against the whole claim, in that case do I fill in the income/expenditure form?

Job's a good 'un. If Bryan Carter sent me details of payments received, as requested, it would show that I have been paying them.

Have I made a mistake or has Bryan Carter?

We sent Bryan Carter a letter back in May, a copy of which is shown below. My apologies but it is a bit long; It took Bryan Carter until August to reply to this letter and they only sent the copy of the CCA, none of the other documants requested.

Yes I did and I received a copy of the agreement with my signature on, which is what I requested when they first started threatening legal action. I haven't got a copy of payments received against the account though.

Oh but I have been paying them, Egg have been receiving monthly payments through PayPlan for several years.

The summons does indeed come with all the other documents, I also tried phoning the helpline and it is Northampton CC.

I should also point out that the POC lists the claimant as Egg Banking PLC, but I can prove that EGG has been receiving regular payments through PayPlan at an amount agreed between themselves and Payplan.

I should point out that according to PayPlan our payments are being paid to Egg via Direct Legal and Collections. Bryan Carter are acting on behalf of Fredrickson Int who claimed the debt was sent to them to collect. As I haven't received any notification from Egg that the debt has been assigned to Fredrickson and neither has Payplan we have continued paying Egg through DLC.

Gotcha, the POC states that they are claiming £4107.35. According to PayPlan I owe £3974.79.

What is a POC?