Egg and default notices

[baboy777]

Hi everyone,

hope someone can help me with the following.

 

I had an egg credit card which I was in default with.

I paid of the full amount in Jan 07 and asked for a copy of my credit reports to find that egg had registered a default notice on my account. Although it was marked "settled " but default.

 

I wrote to them asking for the default to be removed and issued a notice under s.78(1) cca 1974 s.77(1) and provided them with a £1.00 cheque ( which they cashed a week ago. I still have not got any respoinse from them -

 

what should my next step be if they do not provide me with the information I have asked namely, a true copy of the original credit agreement and a signed and true copy of the default notice.

 

Is there a template letter for the next stage of their non compliance ?

Bearing in mind that this account has now been settled in full, I simply want them to remove the default.

 

Thanks ,......

[payingonlyencouragesthem]

I would write to them and say that, after checking your personal records, you now unsure of your sole liability for this debt and may have paid all or part of a former partner's/associate's debt by mistake;). Tell them that unless you receive a true copy of the original agreement proving otherwise you may take them to court for a refund. You have to give them roughly 42 days to comply before contemplating any action. Speaking from experience smEGG will reply to a CCA request quite quickly if they can.

[allykat]

smegg card

 

Sorry I don't actually have anything constructive to say on this one

 

just tickled by 'smegg card'

 

Good luck!

[payingonlyencouragesthem]

 

They certainly employ smeggheads:grin:

[baboy777]

can someone please help me - I applied to egg in March for a s78 (1) and a s77 (1) and enclosed a £1.00 cheque. today I received a signed copy of my agreement,a statement of the account however, I also asked for a signed, true and certified copy of the original default notice. They state in their letter " whilst we are under no obligation to provide a copy of this default notice, We have enclosed a copy of the computer screen confirming details of it's issue " can someone tell me if this is correct, if not can I press them to provide such a default notice ?

[andabar79]

 

in same situation with egg. think you have to take them to court to get it off. gonna do that- wa!