MandM vs Egg Loan ***Won with Strike Out***

[MandM]

Can't see the date they want it paying by so hard to tell, but this link may help you.

 

Date of full payment of the arrears is about 1 month after the date of the DN

 

And there's no mention of the CCA! Is that right?

M

Edited October 3, 2009 by MandM
Added question

[caro]

I'm not an expert on DNs which is why I posted the link, but I do know that the date is very important as this link confirms. http://www.consumeractiongroup.co.uk/forum/show-post/post-2166205.html

 

Take a good read through and see what you make of it. If you hope to argue it you need to fully understand it yourself.

[MandM]

Have been reading the link in the 4th posting! The 1st requirement for any DN seems to be:-

 

Any notice to be given by a creditor or owner in relation to a regulated agreement to a debtor or hirer under section **** of the Act (which relates to the duty to give notice to the debtor or hirer (non-default cases) of termination of an agreement) shall contain—

 

(a) a statement that the notice is served under section **** of the Consumer Credit Act 1974;

 

 

Does that mean that my DN isn't really a DN at all?

Edited October 3, 2009 by MandM
Typo

[caro]

What you have posted doesn't look complete (is there another page?), but it looks that way to me.

[MandM]

What you have posted doesn't look complete (is there another page?), but it looks that way to me.

 

The other page was just contact info for help agencies etc

[MandM]

Bump

[MandM]

Desperate for someone to have a peek at my thread if there are any knowledgeable chaps out there!!1

Only got this evening left to complete the AQ!!!

Edited October 4, 2009 by MandM
Note added

[MandM]

Going off line for about 2 hours then will be on this evening sorting my AQ (N150). If anyone an give any advice it would be much appreciated. Many thanks,

M

[MandM]

PLeeeeeeeeaaaaaaaaase - bump

[MandM]

Currently running a thread in Debt Collection Agencies but not getting much response. Probably should have run it in Legal Issues.

 

If anyone can take a look and give me an opinion i'd be very grateful

 

Thanks

 

M

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/216506-egg-drydens.html

[MandM]

I need to submit my N150 Allocation Questionairre tomorrow morning. Tonights my last chance to complete it - can anyone look at my thread below and advise?

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/216506-egg-drydens.html

 

i have the template for 'Directions' and can fillmost of it in from looking at other peoples threads but any opinion will help. I've uploaded the docs to my thread.

 

Please please pretty please! I only have this evening left and I don't want to cock this up.

 

Many thanks.

 

m

[MandM]

gentle bump

[ScabHunter]

Have you completed any of it? Which parts are you struggling with?

 

SH

[MandM]

Hi SH. The bit about directions and the like. Am I asking the court to ask Egg for info now? Also, posted up my 'DN' and no mention on it of CCA!! The other one i had from Egg for the C Card started with that bit but this one doesn't seem to mention it! Should it?

[ScabHunter]

We can get some DN experts on here to look at that, but for now we need to get that AQ completed.

 

Is it N149 or N150, just so I can download an identical form?

 

SH

[MandM]

Is it N149 or N150, just so I can download an identical form?

 

 

 

 

Its N150

[ScabHunter]

Right, I've got an N150 open in front of me.

 

Have you filled in any of sections A-I?

 

SH

[MandM]

Only drafted parts out on a copy so i don't mess it up

[ScabHunter]

Right, with A you have to say 'Yes' to question 1 to avoid having to answer question 4. It also makes you look better in the eyes of the court.

 

Answer 'yes' to q2, but 'no' to q3 as it involves a fee. q4 can be left blank because you answered 'yes' to q1.

 

SH

[MandM]

done

[MandM]

Hi Deb T. Was looking at your threads. Can se you've had some fun with Egg too

[ScabHunter]

B - 'yes' and write 'already transferred to my local court' if it already has been, if not write 'local court because defendant is an individual'.

 

C - 'no' and write 'Please see attached Section C

 

On a separate piece of paper, type this, and head it Section C

 

This case is not covered by any approved pre-action protocol. I have requested the claimant provide information, but to date the claimant has not provided the documents I require to investigate this claim.

 

D - Case management information

 

What amount of the claim is in dispute - fill in the full amount

 

Applications - No

 

Witnesses - Enter your own name, and "All" to 'witness to which facts'.

 

Experts - No to first question - leave the rest blank

 

Track - Fast Track (as claim is over £5,000) - Leave the other box blank as Fast Track is normal (Assuming that the amount of the claim is over £5,000 - I am assuming it is as we have an N150 and not an N149)

 

E - 2 hours

 

F - 'yes' and then 'no'. We will work these out later.

 

G - Leave blank unless you have a solicitor - I am assuming you don't

 

H - No (not payable by defendant)

 

I - Yes to the first two questions, leave blank, applications 'no', in the big box write 'Please see attached Section I'.

 

We will then work out the extra parts. Don't sign anything yet as you'll want to send an unsigned copy to Drydens.

 

SH

[cymruambyth]

Hi I can see you are having excellent advice from Scabhunter, all I can suggest is to look at this thread http://www.consumeractiongroup.co.uk/forum/legal-issues/131499-directions-n150-n149-allocation.html. Also, if you click the red triangle you could ask the site team if your thread could be moved to legal issues where you should receive help.

[MandM]

Thanks SH. yep, well over 5K (not quite 25)

[MandM]

Hi I can see you are having excellent advice from Scabhunter, all I can suggest is to look at this thread Directions for N150 or N149 Allocation questionnaire. Also, if you click the red triangle you could ask the site team if your thread could be moved to legal issues where you should receive help.

 

And excellent advice it is. I'm very grateful for all of your help.