Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have been offered the full amount of my claoim from Egg, but because my account was sent to debt recovery agents about 3 years ago and I am still paying off debt they are insisting on payong the amount straight to the debt recovery agent, can they do this
Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.
Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-
Cas17, your Egg card, can you still view it via online login? Can you still see your monthly payments going onto your account?
Egg, like other credit cards, have different ways of unloading an outstanding debt to collection agents, depending on how they view the eventual outcome.
In cases where Egg is not hopeful of collecting on a probable bad debt, they have been known to sell same for a fixed fraction of the outstanding balance to a DCA. In this scenario Egg would have little interest in what the DCA does recover.
All cards have explicit rules on the order in which monthly minimum payments wipe out outstanding debt, e.g. cash advance debit items are paid off before purchases. T&C online will probably cover this, but I am not sure whether penalty charges are paid off before purchases or after. If the rule is the latter and you have an outstanding balance, then it means you have never actually paid off the unlawful charges, i.e. it has always been a paper transaction, unlawfully levied, but never physically collected from you.
Egg put the debits on the account, now Egg insists on removing said debits from the same place. Hard to counter this line of reasoning, and I would think a Small Claims Court would rule the same way. From the way Egg is acting it looks as if they still have some interest in your account, i.e. they have not sold it in total to a third party.
If you decide to accept Egg's 100% repayment offer, perhaps you would like to let us know? How long did the process take? And well done.
caz17 v egg
, but because my account was sent to debt recovery agents about 3 years ago and I am still paying off debt they are insisting on payong the amount straight to the debt recovery agent, can they do this
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