Hi All
This is my first post here so please bare with me. I've been reading posts on CCAs for awhile and decided to take action. I had a cc with Egg and a loan totalling almost £20k at the time of default (2004), I think. I entered into an IVA that failed 4 years in after loosing my job. I am now being chased left right and centre for various debts. Below is a quick breakdown re Egg debt
1. Sent £1 PO to DLC asking for CCA on 14 Feb 2011
2. Letter received from Hillesden with my PO saying they are the agency collecting on behalf of the client and I should write to Egg.
I read somewhere that if they are acting on behalf of the client they should have passed my request onto Egg, so.......
3. Letterset to Hillesden stating they should forward my request to Egg and that the time from my original request for CCA 30 days was still active.
4. I've received the same letter back from them with my PO saying right to Egg directly myself
Question
Do the CCA time limits still stand from writing to DCA
Can they keep bullying me to increasing payments I can't afford
Can they (Hillesden) threaten me with court action
Sorry to ramble on, I will write to Egg but i'm so frustrated. I'd really appreciate a response from someone out there
This is my first post here so please bare with me. I've been reading posts on CCAs for awhile and decided to take action. I had a cc with Egg and a loan totalling almost £20k at the time of default (2004), I think. I entered into an IVA that failed 4 years in after loosing my job. I am now being chased left right and centre for various debts. Below is a quick breakdown re Egg debt
1. Sent £1 PO to DLC asking for CCA on 14 Feb 2011
2. Letter received from Hillesden with my PO saying they are the agency collecting on behalf of the client and I should write to Egg.
I read somewhere that if they are acting on behalf of the client they should have passed my request onto Egg, so.......
3. Letterset to Hillesden stating they should forward my request to Egg and that the time from my original request for CCA 30 days was still active.
4. I've received the same letter back from them with my PO saying right to Egg directly myself
Question
Do the CCA time limits still stand from writing to DCA
Can they keep bullying me to increasing payments I can't afford
Can they (Hillesden) threaten me with court action
Sorry to ramble on, I will write to Egg but i'm so frustrated. I'd really appreciate a response from someone out there
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