Letter threatening me with CCJ

[Logo27]

I've had a letter from a DCA chasing me for a an outstanding credit card debt with EGG.
How they have traced me I have no idea this debt is from 2009. It's also in my old married name. The debt is for just under £3.5k.
They've said of I don't contact them to discuss payment within 7 day of the date on the letter then they advise their client Cabot to start legal proceedings. Cabot had the debt from egg so I'm confused as I has it now? Cabot or marlin? Strange.
Do I respond to the letter or ignore?
They've done some searching to find me as I've loved several times since 2009.

[Nibbler]

Re: Letter threatening me with CCJ

So you last paid or acknowledged this in writing in 2009?

Also when did you first take out the Egg card?

[Logo27]

Re: Letter threatening me with CCJ

Yes there's been no payment or acknowledgement since October 2009.

took the card out around 2007/8.

[Logo27]

Re: Letter threatening me with CCJ

Can anyone advise me on this please?

thanks

[Nibbler]

Re: Letter threatening me with CCJ

CCA them then and see what they come up with.

[Logo27]

Re: Letter threatening me with CCJ

What's CCA?

[Nibbler]

Re: Letter threatening me with CCJ

Sorry. Here: http://www.legalbeagles.info/forums/...y-of-Agreement

[Kafka]

Re: Letter threatening me with CCJ

"They've done some searching to find me as I've loved several times since 2009."

:cheer2: :rockon: :eyebrows:

[Kafka]

Re: Letter threatening me with CCJ

Do you have all the paperwork relating to this account?
When was the card taken out?
What was the default process?
Did you receive a Notice of Assignment that the account had been sold by Egg?

It would help if you provide a timeline of events in a dated list so we can see exactly what the history of this account is.

[Nibbler]

Re: Letter threatening me with CCJ

"They've done some searching to find me as I've loved several times since 2009."

:cheer2: :rockon: :eyebrows:

I saw that but decided not to comment.

[FlamingParrot]

Re: Letter threatening me with CCJ

I've had a letter from a DCA chasing me for a an outstanding credit card debt with EGG.
How they have traced me I have no idea this debt is from 2009. It's also in my old married name. The debt is for just under £3.5k.
They've said of I don't contact them to discuss payment within 7 day of the date on the letter then they advise their client Cabot to start legal proceedings. Cabot had the debt from egg so I'm confused as I has it now? Cabot or marlin? Strange.
Do I respond to the letter or ignore?

It's always best to respond rather than ignore, especially when you have a new DCA chasing you.

They've done some searching to find me as I've loved several times since 2009.

Which is more than I can say for myself, :grin: I've got an Egg card with a similar balance, last paid Jan 2010 by DD. It was always an online only account and the last address Egg had was for a place I sold in 2004. The Egg cards were sold to Citi, who had my new address as I've got a current account with them. Then sold to Barclays, where I've had accounts since 2008. Still, not a peep about this card! :tinysmile_kiss_t4:

Yes there's been no payment or acknowledgement since October 2009.

It wouldn't be SBd yet since the limitation period is 6 years in England and Wales, 5 in Scotland.

took the card out around 2007/8.

After April 2007? That can make a difference.

Was it an online application? If so, the CCA request may not do much good, as you'd have agreed to the terms by ticking a box, as long as the application was made from 2005 onwards.

[Logo27]

Re: Letter threatening me with CCJ

As far as I can remember it was over the phone I applied for the card.

It it will be 6 years at the end of this year.

i still haven't responded to this letter they last sent me as still not sure what to do and I haven't heard from them this week which I think may be a very bad thing!

[FlamingParrot]

Re: Letter threatening me with CCJ

As far as I can remember it was over the phone I applied for the card.

That's good news, since they should have sent you an agreement to sign and return. :thumb: They can't fob you off with a computer printout of terms you "would" have agreed to online. :ranger:

It it will be 6 years at the end of this year.

I'm not a math whizz but I make it only 5 years from 2009 to 2014.

Yes there's been no payment or acknowledgement since October 2009.

i still haven't responded to this letter they last sent me as still not sure what to do and I haven't heard from them this week which I think may be a very bad thing!

Did you send the CCA request suggested above? If so, that would be the next step. :tinysmile_twink_t2:

Why should it be a bad thing not to hear from them? I've NEVER heard from anyone about my bad egg!

[Logo27]

Re: Letter threatening me with CCJ

Yeah sorry I did mean next year it'll be 6 test not this year. Doh!

I havent sent that letter yet as was going to wait and see if they send me anything else.

Its a minefield!

[FlamingParrot]

Re: Letter threatening me with CCJ

I see no reason not to send the CCA request... :confused2:

It can only do you good! :grin: :grin: :thumb: