Thread: Further urgent problems over Egg Loan & cc

Hi all! This is me right now - Can you help?

Re: Egg cc & Loan - where to start? (my earlier thread)

I haven’t been on here for quite a while. Despondent at Egg's replies and I’ve let things slide so now its getting much more urgent. Family difficulties and health issues are poor excuses I know. I'm aware I should have done more sooner.

I got the info from Egg that I requested earlier:

My Egg card agreement is dated: 16.2.2005 but I am certain that the card was taken out much earlier than that. I haven’t been able to find any evidence to back this up however. My card account was terminated on 3 Aug 09.

My Egg loan agreement is dated: 7.9.2005 when I consolidated my loan and card debt with a new loan. A pity but cant be helped.

Nasty calls all stopped long ago and then I had a solicitors letter on 22 June 09 re the loan and recently Frederickson International have called. V nice soft approach asking for a small payment to 'keep the account open'. My instincts led me to say I couldnt manage even that (true). Did I do right?

Now I need to know if there is anything further I can do in the circs? All I own is my car which isn’t worth much and I have a mild disability so living up a hill and frequently visiting my mum to help her care for my aunt who is seriously ill means that I need transport as they don’t live on a bus route.

All advice appreciated as ever.

Thanks Steven. Apologies for not making it clear in my post that the information I quote came from Egg's replies to my CCA requests. Its where I go next that I need to know about.

Sadly I dont have a scanner. Can tell you anything you like but you cant see the loan agreement.
I dont remember any charges as I paid them by dd for a long time. Maybe back in the early days. I'll see if the website lets me go back that far.

Nope. Nothing like that. Is SAR the same as CCA? What do I do about that now?

Is there a template letter for the data? Where do I go for it?

This is v helpful. Thanks so much.

When I clicked on the blue SAR link I only found a standard letter template to a bank. You are advising me to send my SAR to the debt collection Agency.
Is this template the one to use to them? Does it need editing at all for that purpose? Also do I sign it? I have seen conflicting advice on that in the forums.
Can I send a copy of a utility bill instead of signing? That worked when I requested the CAGs from Egg.
What do I say when Fredericksons next call me? They are doing this every 3 days now and asking for just a small payment. I assume I shouldnt make one?
They asked me for details of my financial situation so I have filled out the budget spreadsheet. It looks dire. Do I enclose it with my SAR or is there any reason I should send it separately?
Sorry to ask such basic questions. I'm a pensioner and find this confusing but I'm learning my way around slowly.

Just found the 'Debt Gollection SAR' letter so You can ignore that part of my post. Also the one about a signature.
Just need advice re what to do about calls from the agency (which are v polite and friendly - not like the snarling scary ones from a previous one) and whether the spredsheet should be sent separately or not.
I hope to get my CARs onto disc at a printers and then I can post them here. Any particular size and format for doing that?

Not sure how to resuscitate my threads - this one and 'Egg cc & loan - where to start?' (if you want to check previous correspondence).
I hope this works.

Hi there!

As suggested in May Egg did sell my debt(s) on so I have heard from a number of collection agencies. Some of these were nasty and some very nice. I have politely but steadfastly refused to play ball. I just tell them the truth - I am a pensioner, I have no savings any more, I rent my flat and have sold everything I have of any value. Once they realise its a blood and stone situation they leave me alone - until the next one.

As nothing has happened apart from phone calls and letters I wonder if Egg sold me on because the agreement is unenforceable?

cc agreement uses word 'credit' Loan one says 'Personal Loan' (Egg photocopied too small and the docs came up as thumbnail size on the forum so arent posted here). I have them on photobucket if ou want to take a look PM me.

As Egg are now out of the picture how do I proceed? Dont want this hanging over me for ever. Supposing I won the lottery?

Any help you can offer or any direction you can point me in to get more help would be greatly appreciated as is your time in reading and replying to this message.