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In September 2006 I received a default notice from Egg, October 2006 the account was cancelled.
Since then I have been paying £1 a month towards the balance - I am on Incapacity Benefit which they know of. Every 6 months I get harrassing phone calls requesting a call by 5pm today. Even though I asked for it all to be done by letter as I have mental health problems and can't handle the telephone.
After reading on here should I ask for a copy of my credit agreement (i honestly cant even remember when I signed up it was that long ago!) and see how I can go from there. There isnt a hope in hell of me being able to pay back the money.
How did you get to pay only £1 per month. Do you have a Court Judgement on the account? or is it a personal plan with Egg?
Incidentally Egg often come back asking for a signature - as a delaying tactic.
What I did was sign but NOT with my usual signature, that way you can tell if they've lifted it off to use on another fake document. (Some companies do that you know!)
How did you get to pay only £1 per month. Do you have a Court Judgement on the account? or is it a personal plan with Egg?
Incidentally Egg often come back asking for a signature - as a delaying tactic.
What I did was sign but NOT with my usual signature, that way you can tell if they've lifted it off to use on another fake document. (Some companies do that you know!)
Hi there,
Yeah its a credit card account and it was before 2002 I'm sure that I took it out..
No court judgements on it, Ive agreed this amount with Egg as I was signed off sick, I have been off for a while now and it looks like a while yet so wanted to find ways of stopping them harrassing me for more money all the time whereas the £1 is all i can afford
No news yet as per the CCA, have read the other thread with interest re signature so waiting for the message back from them about that.
Sent them an email asking them not to phone but to send by lettter . Have since received an email saying ive to phone them to agree this - so i ignored that and sent them a letter asking all dealings by letter and not phone.
Just getting to the stage Im fed up telling them the same story every 6 months regarding my situation.
Yeah its a credit card account and it was before 2002 I'm sure that I took it out..
No court judgements on it, Ive agreed this amount with Egg as I was signed off sick, I have been off for a while now and it looks like a while yet so wanted to find ways of stopping them harrassing me for more money all the time whereas the £1 is all i can afford
No news yet as per the CCA, have read the other thread with interest re signature so waiting for the message back from them about that.
Sent them an email asking them not to phone but to send by lettter . Have since received an email saying ive to phone them to agree this - so i ignored that and sent them a letter asking all dealings by letter and not phone.
Just getting to the stage Im fed up telling them the same story every 6 months regarding my situation.
Thanks for getting back!
OK you'll just have to sit tight and wait for the agreement for now.
When (if) it arrives post it up and we can advise your next step.
You are getting good advice here already, but I have just changed my telephone number with BT, when I explained why I wanted a new number they actually said-we get these requests all the time about loan companies-I got a choice of three new numbers and chose one I can now actually remember and no more calls come through.
Thanks, the calls come on my mobile so I dont answer unless I know who it is, its just the tone of the "phone by 5pm or else" kinda thing, then the next day i get the if you dont reply in two seconds you will combust letter (well you know what i mean!)
I haven't had any more calls since i sent the email and letter so hopefully(!!) they have noted this. Just want them off my back really so I can concentrate on getting better
Thanks, the calls come on my mobile so I dont answer unless I know who it is, its just the tone of the "phone by 5pm or else" kinda thing, then the next day i get the if you dont reply in two seconds you will combust letter (well you know what i mean!)
I haven't had any more calls since i sent the email and letter so hopefully(!!) they have noted this. Just want them off my back really so I can concentrate on getting better
Just relax! You'll have to wait for the CCA or if they insist on a signature just write back but DON'T use your usual signature.
It's a good attitude to take-especially as they will no doubt ignore the pertinent issues you raise in your letter.
Sorry, I don't want to sound defeatist-because I don't feel defeated, but just want to make you aware that you need to be pragmatic-that way whatever they send you doesn't deflate you.
Got a letter back from Egg today dated 4th April but franking dated 6th April - i sent letter on 13th March - asking for a signature or a document with my name and address on it. Reply being sent today with corrupted signature on it
Still no news from Egg re CCA although today I got a "our records show that payment has not been made" letter. When I am still paying my token fee by standing order and this has not been changed.
brief outline - request sent 13th March, 14 days up around 2nd Apr, 30 days up 12th May.
Got two letters today both dated 15th May (franked on the 18th)
"Weve received your complaint" this was a reply to my why havent you sent me my CCA that was requested on 13th March!
2nd Letter has
"Further to your recent request, I have pleasure in enclosing a copy of your signed Credit Agreement in accordance with your rights under the Consumer Credit Act 1974 and a copy of your terms and conditions"
The terms and conditions are what they have pulled off their Z drive and
printed onto Egg paper.
After sending in a dispute letter and stopping my DD months and months ago. I now have a letter from Apex Credit Management stating that they are in control of my debt.
Egg Card Default Notice, Cancelled Account Queries
, October 2006 the account was cancelled.
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Originally Posted by basa48
i will
