Westcot/Carter/Arrows (old Egg card) CCJ payments- Help please

[Nicola19]

Dx what is the relevance of not mentioning the ccj? Surely Shoosmiths should know it's already had a ccj?

[BRIGADIER2JCS]

Often when debts are 'passed around' the murky depths of the debt purchase/collection industry there is the absolute minimum of data provide as the debts are sold in bulk portfolio lots.

[Nicola19]

Ah ok,

 

i am just worried now as i have stopped paying (purely as i am not sure who i should/should have been paying) that they will take further action.

 

I will send the letter to Shoosmiths today then saying i am questioning the account and that i await there response.

[havinastella]

Ah ok, i am just worried now as i have stopped paying (purely as i am not sure who i should/should have been paying) that they will take further action. I will send the letter to Shoosmiths today then saying i am questioning the account and that i await there response.

 

You need to adhere to the Court order and NOTHING else. So you pay whoever is stated on the Court order, it's as simple as that.

 

On a different note, what was the CCJ for and can you try to recoup any charges/PPI that may have been included in the Judgement?

[Nicola19]

The judgement was for an Egg card that i got behind with,

they were asking for payments i couldn't afford after being off work ill,

as far as i am aware there was no ppi on the account,

 

i wasn't aware of sites like this at the time so

 

when i received the papers from the court i didn't know that i could challenge it at that point (2009),

only since finding these forums have i learnt that it is highly likely i can contest all the charges/late/over limit fees

this is why i requested the information from Arrow Global as this is where the debt stemmed from originally when Egg passed it to them.

 

It went to court July 2009 and

 

i agreed to pay Bryan Carter £20 month,

 

i have since had letters from Wescot, Arrow Global and now Shoosmiths.

 

I had no problem keeping to my arrangement with BC,

but for some reason they have now shipped it on to another DCA,

 

i am not happy to start paying Shoosmiths as it seems to me anyone can just write a letter saying i need to pay,

i don't really want to ring Shoosmiths as i know from past experience

that when you call DCA they normally bully and intimidate you,

which i am not prepared to go through, but

 

i suppose it is the only way i am going to find out who actually owns this debt.

 

Having read back through the advice i received a couple of months ago,

i noticed i also need to send a SAR to Egg themselves with the £10 fee in order to get all the relevant information

(which i guess would include all the charges etc).

 

I have thought of sending a token payment to Arrow Global as they were the initial company?

[havinastella]

Good idea to send the SAR to EGG.

 

Bad idea to send anything to Arrow.

 

As in my post above, you are subject to a court order,

 

you pay the named company on the Court order, no one else.

[dx100uk]

I haven't paid anything since Bryan Carter passed it to Westcot/Arrow

this was July as i hadn't had a letter of confirmation from WescotArrow to say they were taking the debt over, then

 

i got a letter out of the blue saying i needed to start paying them,

 

this is when i took advice on here.

 

I was paying £20 a month to BC Solicitors a

 

nd the debt has reduced from £2400 to around £1900 now.

 

does the wetcloths letter agree with the balance above?

 

dx

[Nicola19]

Have just dug into this a bit more, my credit file shows the following info thought it may be relevant or help:

 

Payments up to date May 2008 balance £2299

Account defaulted September 2008 balance £2514

Judgement July 2009 £2691 (£177 i assume is the courts fees etc)

Payment set up with Bryan Carter Solicitors £20 month

 

13 Feb 2009 Original Debt £2,514.07

24 Jun 2009 Claim Fee £75.00

24 Jun 2009 Claim Cost £80.00

20 Jul 2009 Judgment Cost £22.00

 

Barclaycard £ 0 30/11/2011 Satisfied

 

Bryan Carter returned the debt on 5.7.13 with a balance of £1891.07

 

 

Don't know if this helps at all?

[Nicola19]

I will have to check all the letters when i get home (currently at work)

 

From what i can remember yes i think it did. Just checked the Shoosmiths letter and it is for the same balance £1891.07 so its definitely been passed to them by the looks of it. Can't understand how it can be passed about so much, it's no wonder i haven't a clue who i should be paying!!!

[Nicola19]

Just an update really,

 

i've since had a response from Shoosmiths with what they call a reconstituated copy of the original Egg credit agreement,

 

i sent a stern reply back saying i didn't ask for the credit agreement,

 

i requested a full statement of the account.

 

I sent my response on the 17th February, not had any response as yet.

 

I expect what i am asking for is the SAR

 

which in a previous post was confirmed i should be asking for this from Egg themselves,

 

so i need to make this my next priority.

 

Annoyed really as if it had been left with BC i would have been a further £140 less on this debt now

and that bit closer to clearing it!!

[dx100uk]

yes I would sar EGG

 

at the Canadian square address.

 

dx