Egg cca - Moorcroft good news?

[seriously fed up]

arent there test cases being heard (or about to be heard) already - Cardiff/ Manchester?

Either way, I dont know that this will be settled quickly - if Egg lose its almost inevitable they will appeal. If they win then your suggestion may well have considerable merit Gazab41.

[Hopster]

It has been suggested that we send Egg/TrevorMunn/ARC a CPR letter .Anyone know about these ?

[seriously fed up]

in terms of the food chain, ARC are simply DCAs, usually (though I dont expect always) acting as an agent for Egg. They simply do as they are told (ie get the money). Trevor is simply a solicitor who "works" for ARC (I suspect, largely its the supply of appropriately headed note paper and provision of a reasonably convincing letter that is about as much as Trev does for ARC). The real target has got to be Egg.

CPR is, as I understand it, a process in English law for the disclosure of documents - a few more steps along the same path as s78 and SAR requests. An Incidental application would be the equivalent in Scotland. But both work from within the legal system and are about disclosure of documents.

I think what you are getting at - perhaps - is to finance a test case against Egg to test out the adequacy of their CCA agreements, and in paricular "Approved limit".But, again as I understand it, there are cases at Cardiff and at Manchester just now (or very soon) which will at County Court level (ie in England only) test it out. Whether this will bring closure is by no means certain. If Egg lose, I would think they would (have to) appeal the decision. If they win then there might be a group appeal. This could run for a good while yet. Not satisfactory for anyone really.

[Hopster]

very interesting. let's all keep in touch.

[LetUsBegin]

I think that's a brilliant idea Gazab41, a gigantic collaborative boot up their backsides!

[Hopster]

Trevor Munn/ARC - any further news anyone ?

[gazab41]

Hi all I recived 1 letter sent via ARC contacted FOS as stated in another threed my reason I was paying another DCA then contacted out blue as stoped paying other DCA back in April no statments nothing sent did not know how much i still owed never bothered communicating with me always told that dca owned my debt not egg ARC tell me they are acting on behalf of client and I can relog on to my egg card online this also mention to FOS not been able to since 2004/2005 gave ARC Fos ref number and they stated they would email egg have heard nothing as yet I have old CCA somewhere (can remember wording mind "aproved limit" not proscribed term but am going to send new cca request this week and prob "SAR" also fighting Barclaycard and thats about to get Dirty.best of luck all anyone have an idea on dates of egg test case

[texanbar]

Hi Hopster/all,

 

Not received anything from Arc at all.... very quiet on my end!

x:)x

[Hopster]

I will keep you posted as things progress or deteriate.

[texanbar]

Hi all,

 

I'm back... after a beautiful quiet period, my Egg c/c account has now been passed onto Aktiv Kapital.

 

They are pretty persistent, plenty of phone calls using their freephone and

London based numbers (which are rejected).

 

Only received two letters, 8th and 15th May 2010.

 

They tell me they have recently purchased my outstanding balance from Egg, and they will collect the money on behalf of Aktiv Kapital Asset Investments Ltd.

 

Ummmm.... Moorcroft, Arc, Trevor Munn, Aktiv.....

 

Let's see how long this one carries on for...

Hope you're all well and I shall keep you all posted.

 

x:)x

Edited May 25, 2010 by texanbar
fish fingers

[Hopster]

We appear to be awaiting the outcome of an Egg case in court on 4th june ? Do you know about this ?

 

Aktiv haven't appeared on my radar yet ! (sure they will). Keep posted.

[texanbar]

Hi Hopster, no didn't know about the June outcomes... there seem to be so many 'test' cases, I'm losing count.

 

I'll try and see if I can find out anything. Keep your radar active, you never know!

 

x:)x

[paulwlton]

Hi Hopster, no didn't know about the June outcomes... there seem to be so many 'test' cases, I'm losing count.

 

I'll try and see if I can find out anything. Keep your radar active, you never know!

 

x:)x

 

this test case will be devastating for Egg if they lose.

[Hopster]

and for us if they don't !

[FightToTheEnd]

what are the chances of them backing out on the morning of the hearing - are they able to do that?

[texanbar]

Hey Paul, long time no speak. Hope you're keeping well. No doubt will hear more about this in a couple of weeks time then.

 

Take care

x:)x

[Hopster]

I am sure that they can. That may not let everyone else off the hook. We will need to see the documentation of the case - is it re. unenforceable agreement or to do with the termination/cancellation of the agreement or both ? Do you know ?

[texanbar]

i all,

 

I received from Aktiv on the 1st June, with a rather suspicious looking enclosed notice of assignment letter. The reason I say this is because whilst it has egg trademark in the top right hand corner and their registered address, it does not indicate any a/c number, outstanding balance or any other personal details.

 

I shall scan it in. Anyone else had anything similar?

 

x:)x

Edited June 9, 2010 by texanbar

[FightToTheEnd]

Hmm, they seem to have printed it upside down too!

 

Looks dodgy to me also, not very convincing.

[texanbar]

Sorry that's me and my scanning. Hubby needs to load the full Adobe package onto the system which would allow me to save the rotation adjustments.... . Let me scan it again the right way up. I was just being lazy!

 

x:)x

eggaktiv.pdf

[exasperated]

Hi Tex,

Prior to the notice of assignment what DCA's had Egg used and what tactics? Did you send them the usual third party collection whilst account in dispute letter?

Can Egg sell this debt on whilst in dispute do you know as I am in the same circumstances

[texanbar]

This has been bounced from Moorcroft, to Arc to Trevor Munn and now Aktiv.

 

Egg have received a letter stating the a/c was in dispute back in January 2009. Since then it has been passed from pillar to post. I know that interest cannot be applied, neither can payment be requested. However, whether or not they can 'sell' the a/c to a DCA, I'm not 100% clear.

 

I'm sure someone in the know may come along and confirm. I guess because they're not getting a penny from me, they will try every which way to get it from whatever means they can.

x:)x

[exasperated]

I sent all the DCA's the same letter informing them they were breaching rules and to be fair they have all returned the account to Egg upon receipt. This is the first one I have seen where they have sold the debt on but I am sure others will have had the same treatment.

It will be interesting to see whether selling the debt on whilst in dispute is permitted.

[texanbar]

Quite agree exasperated. Seems Egg have a pecking order of DCA's! I will stand strong. Very interested to see what happens to PT's case shortly

x:)x

[texanbar]

Hi all,

 

Just to keep you in the loop, my telephone calls from Activ have petered somewhat, and received 3 letters since June.

 

June's letter state they are here to help me - ignored

Another letter received in June, saying, "please do not ignore this letter"

My last letter was received beginning of July with FINAL NOTICE emblazoned across the top and my a/c being transferred to their Specialist Collections Team.

 

Will keep you all posted.

Kind regards

x:)x