Thread: Egg card query multiple collection agencies?

I am in debt management with Payplan for £26000 credit card debts which I have been paying ok for about 9 months.
Three of the debts had been passed to moorcroft, Egg visa, egg mastercard and mint. Somehow Payplan and myself got confused and one of the Egg cards got missed off the plan and repayments. I contacted PP and they said they would sort it.
I heard nothing since then about 6 months ago until just before Xmas I got a letter from a local collection agency saying they had been passed the Egg debt by Egg, I checked my account and the card has not been added to my plan still.
My query is can Egg pass my debt to one agency then change their mind and then pass it to another? What is to stop both Moorcroft and the new agency chasing me for the debt?

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The short answer is that yes, Egg can pass a debt to more than one DCA.

However, under the OFT guidelines, they can only use one at a time, and they must inform you before passing it to a 'new' DCA.

Originally Posted by ScarletPimpernel

The short answer is that yes, Egg can pass a debt to more than one DCA.

However, under the OFT guidelines, they can only use one at a time, and they must inform you before passing it to a 'new' DCA.

I have heard nothing from Egg or Moorcroft over the debt being passed to ARC is there anything worth doing or shall I just accept it?

Amex did this to me, using RMA then suddenly switching to AIC. I replied to AIC's initial letter telling them that as the matter was still, as far as I knew, already being dealt with by another DCA, unless and until Egg complied with their obligations under the OFT guidance I am unable to do anything. Nothing heard from any of them so far...

Thanks, I just drafted a letter to new DDA them saying until I heard from Egg or got a copy of the CCA from themselves I would deal with Moorcroft.