Apex and Egg

[Justforthem]

I had an egg loan sold to Apex credit.

 

I sent them CCA request 3 years ago and they replied with a CCA.

 

However I have never paid them and they have never chased me.

 

I am trying to sort out finances at the moment

 

but am wary of phoning them after all this time.

 

Does anyone know why they have not been in contact ?

[dx100uk]

you should NEVER phone a DCA - end of.

 

you indicated in a past thread that the egg loan & Credit card were merged

 

so this is not the case then?

 

is this on your credit file?

what is the defaulted date

 

when did you last pay anyone on it?

 

dx

[BankFodder]

 

Does anyone know why they have not been in contact ?

No, they never told us.

 

The most important thing here is whether the debt is statute barred. When was your last missed payment? When was the last time that you acknowledged the debt

[Justforthem]

I don't think I have got to the six years ago yet.

 

The last time I acknowledge this debt was 2011 at the latest.

 

At the time I had a letter from Apex saying they had brought the debt from Egg.

 

I sent request for CCA and they did send me one and now they have not ever chased for the money.

[Justforthem]

yes egg did merge loans with credit cards

[Justforthem]

it is not on my credit file .... anyone have these debts been forgotten about ?

[dx100uk]

have you moved since you took them out?

 

dx

[Justforthem]

no they have the correct address ...

[dx100uk]

well if all of your old addresses are showing

 

it might be prudent to get a cra file from at least two sources

 

then if the debts don't show

 

then they are not harming you

and unless you are getting letters a bout them

 

i'd let sleeping dogs lie.

 

dx

[Justforthem]

they did in the past have a default on my file but it is since now showing it dropped off .... i think your right with letting sleeping dogs lie but I worry they will come out of the wood work and do something like bankrupcy to me

[dx100uk]

ah that explains it sorry

 

I forgot to ask how old they were

 

yes the whole account will vanish

once the default date reaches its 6th birthday.

 

of course this does not mean the debts are not still 'owed'

 

so you have no real idea on your last payment date?

 

dx

[Justforthem]

no unfortunately I do not know when my last real payment was but it has been within the last 6 years . I definitely know I have paid nothing since jan 2011

[dx100uk]

well you could send EGG via their Canadian square address an sar

 

that will get you all the statements etc etc

 

or you could just let it run

 

as said, it is not harming your credit rating

as it obv defaulted more than 6yrs ago.

 

but this if no guarantee they are not leaving things till toward the end of the SB period

to gain as much statint IF they did start proceedings.

 

IMHO I would get that sar done and gather as much evidence/info as you can.

 

that way atleast you will be prepared for the worst.

 

dx

[Justforthem]

that is what I am worried about they are leaving until it comes up SB and then they will do the worst .... bankrupcy etc ....should I just phone them now and make token offers to try and keep them at bay ... what is the address for egg ?

[Justforthem]

if someone goes for bankrupcy .... can you offer them charging order instead .... how do the court view this ?

[dx100uk]

no you do not ever phone a DCA

 

get that info

 

you need to gather stuff so's we can assess the issues that might be there

 

they'll also need a SIGNED agreement if it was taken out prior to about 2005

 

you've prob PPI I bet too

 

I've moved you to the egg forum

 

look at the top stickies

 

the address info is there.

 

dx

[Justforthem]

do I post to Canada Square Address in Worthing? I have written a sar letter.

 

Also will they tell Apex (who the debt is with) but I haven't heard from them for 3 years?

 

Has anyone else had egg loans go to Apex and then never hear anything ?

[rebel11]

Hi Justforthem

 

Send it to:-

 

Data Controller

EGG BANKING PLC

CITIGROUP CENTRE

33 CANADA SQUARE

LONDON

E14 5LB

 

They might, but I wouldn't be overly concerned if they haven't contacted over the last three years.

[rebel11]

Please stick to this thread, don't start a new thread for each question.