Hello all. I've been reading this egg section for several hours and am a bit confused as to whether this issue with not having the 'prescribed terms' on the CCA could help me free myself of a default from Egg? Some background; I had an Egg credit card (from Oct 2003) which I believe has a potentially unenforacable CCA. Unfortunately I defaulted on this card in July 2007 when I was a naive student! The debt was passed to Eversheds and I have since settled this in full. However the default is making my mortgage options very difficult and am desperate to get it removed if I can. Am I correct in assuming that if my CCA with Egg does not have the correct prescribed terms (credit limit/apporved limit) then the CCA is unenforacable therefore they should stop sending the credit reference agencies details of my default (as I assume you can not default something that is unenforcable?). Is this the case? As I said I have no outstanding debt with them but would dearly love to remove the default notice. Is there a recommendation for a letter or text I could use/edit to send to Egg? Many thanks in advance for all your help and support. I've read so much today I think i'm starting to confuse myself so your advice is much appreciated.

Sorry- do you recommend that I call the solicitors tomorrow to explain situation and offer to pay the £22.11?

I haven't repaid anything. Although I accept that I do owe £22. The reason for this is I have recieved no reply whatsoever from them with regards to the mistake they made and the problems I had from them. Without the dialogue I did not progress to the opportunity to agree that I pay £22.11.

Hello all, I would appreciate some advice on my claim. I have two separate claims with Lloyds TSB. One on my account, one on a joint account. Both claims were started within days of each other on separate letters. Following the steps one account (mine) was issued at court on 29/12/06 the other (joint) on 2/1/07. These have since been acknowledged and a defence entered today for both. Joint a/c claim was £480 plus £50 court fees. (I did not add interest) My a/c claim was £586 plus £80 court fees. The defence prompted me to check my a/c and start preparing for the next stages. However I was surprised to see that back on 4 Jan 07 I had CSRC Charge Refund paid into my (not joint) account of £618. I received no letter about this and this date suggests it was in the in-between period between issuing and serving the court claim. Does anyone know what the £618 represents? Its obviously more than the claim of £586 regarding the account the money was refunded too. Is it likely to be a partial offer of £618 for both (separate) claims totalling £1066? The defence states they are disputing whole amount. I wonder if anyone has had similar cases? Surely they would not return some money to one account as an offer for both separate claims? Thank you in advance for any advice on how I should proceed. I am nervous as the court form says I must inform court immediately of any monies received from the defendant. But I don’t know which claim the monies refers to?

Hello all, I was wandering whether anyone could help me. I've been unsuccessful in dealing with my issue with Paypal. I purchased something for £57.11 a while back on eBay. I used my Paypal account. The problem was that they debited my bank account twice. The second charge of £57.11 failed and I was charged £35 by my bank for a failed payment. I recieved an e-mail from Paypal apologising for taking the payment twice and crediting the second £57.11 they took back to my account. The problem of course being they didn't actually get the £57.11 they were returning. I wrote e-mails explaining my concern with the bank charges and the fact it was their mistake and the problems that missing payments does to my financial reputation. I consistently got no response to my mails. Eventually (two months later?) I get a postcard from NCO agency telling me someone would be calling by. This inspired me to retry e-mailing Paypal who finally replied for the first time! and told me that I had to discuss this with the debt agency as they had nothing further to do with the account. I replied saying I had no intention of discussing it with them as I disputed their was a debt - their mistake, my charges etc - the reply I recieved apologiesed for my unhappiness with their service and that they would reponsd as soon as possible to my complaint. Today I recieve a letter through the post from some solicitors stating that unless they recieve the £57.11 in 72 hours they will start legal preceedings against me... so... this brings me to HELP! Has anyone any advice? It would be much appreciated.