egg confused

**gazab41** · 19th September 2009 12:51

hi all strange week this one had an Egg icon

card from about 2000/2001 this was defaulted i belive november 2004 told debt sold to csl by egg then letters and phone calls icon

from csl between 2005-2008 paid regular amount on payment plan stoped paying apr 2009 as not earning much and unable to continue to pay all creditors and secondly had not had anything from csl to show what i still owe had no statments after early 2004 this week out of the blue got letter from ARC DCA threeting court action etc stated working on behalf of thier client EGG Banking PLC this would lead me to belive Debt was never sold on from egg and why egg collections could not deal direct with me is beyond me... Anyway decided to attempt to log on to egg secure web site to check balance etc I got access to my data by inputing name old post code security word etc. I have put complaint into fos icon

about old PPI charges and the fact was always told debt had been sold CSL infact had told me they would accept £3000 to clear debt and also suggested i got a loan etc to clear this silly advice. Today had letter back from FOS and i decided again to log into Eggs site to print of anything that might be useful such as online CCA etc.
What I have got off is the following items

1. Egg statment this shows the following copied here.

Your Egg Card Statment.

Card Details

Card Egg Card
Card NO 4627 **** **** ****
Credit limit unavalible

Information
As your account has only recently been opened, ther are no statments avalible to view yet.

2. credit aggrement

Your Credit Agreements
You have no online agreements avalible for viewing. If you have a querry about an agreement please refer to the documents we sent out for you to sign.

3.this is the other document i printed off will type out again exactly what is on without complete card No

All about your Egg Card.

From here you'll find key information about your egg account including your balance,next payment date and cashback earned.

Your Egg card

Card EGG CARD
Card number 4627 **** **** ****
Current Balance £4,647.70 DR
Credit Limit £5800

Your intrest rates

intrest rate charged 0% Variable for purchases
cash advances intrest rate please see cash advance transaction details on your statment for the monthly rate payable.

Payment information

Statment date 2nd of each month.
next payment date due 16th October 2009(or next working day)
your direct debt You currently have no regular payments setup.
Payment from account (sort code account number of bank )

Cash back information

Cash back earned on last statment unavalible
cash back to date unavalible

......................... ......................... ......................... .............

I am very confused how can this be showing up on eggs system and on the other hand i am getting threating letters from a DCA giving 10 days to pay up or contact then eggs system shows a payment due date of 16th october no cca as recent account the account number is the one i had years ago and after orig default letter was not able to access acount told that account had been sold by egg in 2004 this egg card was applied for in the days of approved limit and credit limit was increased on a regular basis by egg almost at a wim and like a fool i fell for it last payment i can find direct to egg as direct debit to them would be about £115 in Nov 2004 and was paying Credit Solutions varying amounts every month as used to have review every 3 months always phoning mobile of which they still have number although no contact since i stopped paying is a complaint with Fos and the DCA stated they would contact egg with FOS ref Number i was given and hold it all if they needed to contact me they would ring however number chap quoted was a pre 2004 mob number then he put phone down before i could correct him where do i go now very confused

**Mistermind** · 19th September 2009 14:20

I do not know the mechanics of this, but it appears a credit card can sell on a likely bad debt to a DCA icon

for a fraction of the book balance. If later on the DCA finds it is a hopeless recovery prospect they have some understanding to send the account back to the card issuer who then resumes ownership of the debt.

If your account was "charged off" to zero balance and removed from Egg icon

's IT system, and then the DCA sent it back to Egg, conceivably Egg could have reopened your account on their IT system, hence you can log on. But it appears this account no longer holds the history before it was sold to CSL. The legal experts can advise, but this reassignment of debt looks legally ok.

The important thing is to make a list of all payments previously made to CSL, and to ensure by submitting proof that the correct reductions have been made from the balance being demanded -- whoever the current owner of the debt is.

Good luck.

**gazab41** · 19th September 2009 16:22

further note to this i was also able to print current terms and conditions icon

and the reason i belive for 0% balance is that terms and conditions icon

state "aplications made between 1st september 2009 and 30th september 2009 we will charge intrest

# on purchases put on the account by 1 december 2009 at an anual rate of 0% until 1st december 2009 and then thereafter at a standard variable rate of 16.9% or 19.9%:

this then states transfered balances 0% until october 2010 etc

so what exactly are Egg playing at the intresting thing is the cca part telling me to look at docs sent me and stating no statment as acount only recently open have had account since 2000/2001 default 2004 i belive told sold to csl by egg and csl i dont belive this have not paid DCA since apr 09 last week got letter from another dca threating court if i dont contact them have contacted fos as appears mess also reclaiming charges dca have put collection on hold and contacting egg i did not even give dca CSL new address so where ARC got my new adress from god only knows was wondering if i could sue any of these companies on data protection iregularities any thorghts

**gazab41** · 23rd September 2009 02:16

Just another update I have been thinking about this account a bit over the last few days from what I remember it was opened between 2000 and 2001 proberbly started with £2000 credit limit applied on line forms sent out to sign posted back card issued etc.

At arround November 2004 I got into difficulties belive a default notice was sent about Jan 2005 (not sure if Egg icon

ever sent termination notice ) anyway I remember trying to speak to egg prob feb 05 to be told Debt was nothing to do with egg and I would hear shortly from who was now dealing with it (CSL).

The company dealing with it were Credit Solutions Ltd who I had been having dealings with over Mobile phone bill(Vodaphone refused to cancel contract after cancellation letters sent never recived)but thats another story(paid that off 2006)

Anyway CSL sent me demands and aranged payment plan which I continued to pay at various different amounts they kept getting me to increase every couple of months or let me decrease durring periods of no work(supply teacher variable salery).

I Moved to North east england summer 2005 CSL stayed in contact Phone and letter never had any Breakdown icon

of what I owed moved summer 2007 again they had address and at least Mobile phone number (current one).

I continued to pay via online banking and moved again in summer 2008 My OH bought a house in another area nearer to work (i am not on mortgage)

I continued to make payments to credit solutions limited (sure they had new adress (although not 100%) again my mobile phone number stayed the same as it was in 2005.

I had more financial difficultis in March 2009 and at this point stoped paying CSL for one reason not sure how much was still owing as no letters for way over a year showing balance (not had access to Eggs online statments since 2004/2005.

Now this is where things get intresting Egg told me in 2005 they could not help as debt handled by other party(csl) and CSL sugested i got a loan and pay them £3000 aprox and debt and default would be gone.

Last week out of the blue got letter from ARC demanding monies £4647.70
now i dont now where they got my adress from stated sum needed paying iwithin 10 days or court action would be prepered by soliciters (letter sent second class only 3 days to respond by the time it arrived.

This is where things get really intresting I decided to try to log on to my old egg card online site for statments etc remember no access since 2005
I had to use my old post code as well as password name etc but I got on and discovered the following

1 That my credit limit was £5800

2 my statment date was 2nd of the month.

3 next payment date was 16th october

4 states intrest on purchases 0%

5 cash advances variable

my 0% on purchases to dec 2009 according to terms and conditions icon

avalible

when I tried to pull up statments it a box was displayed with following info
Information
As your account has only recently been opened, ther are no statments avalible to view yet.

When i tried to look at online cca this came up

You have no online agreements avalible for viewing. If you have a querry about an agreement please refer to the documents we sent out for you to sign

what exactly are egg playing at, I have certainly not just opened an account with them.

Not sure how a DCA icon

can tell me I owe £4647.70 when according to egg I have no statments and the due date is 16th October.

I have complained to fos icon

about over limit payments and other unfair charges and why I can now get back on my card statment site when egg had previously said card was being delt with by another company and the other company stated i could give the £3000 to clear Egg and default .

ps I can not even remember how much I had to pay when CSL first contacted me in 2005 help gratefully recived

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