Thread: EGG Contact

Hi all and thanks so much for all the advice. Head is just about above water and trying to keep it there.

I've been dealing with my creditors but have a huge problem with Egg. They refuse to reply to any of my letters other than sending threats and I have now tried their secure message system to get hold of someone to try and agree some kind of solution.

Trouble is they refuse to talk and have said:

Dear Tom

As my previous colleague stated, unfortunately the collections team do need to have a telephone conversation with you regarding this matter. Please contact them on 0845 7000 775.

They're open Monday to Friday 8am until 5.30pm.

If you've already spoken to our Collections Team, then please disregard this message.

Thanks for your message.


Regards

Rebecca Lamb
Internet Customer Services

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Secure Messages - Client Care

-----Original Message-----

Date: 19 Oct 2009
Time: 13:15
Subject:Contact

Dear Sir/Madam,

I find it very hard to believe that they do not have the ability to use this secure message system and reiterate that I wish to deal with this matter as soon as possible but will only do so via email or post.

Please therefore, ask the collections team to write to me as soon as possible.

Regards,

xxx

-----Original Message-----

Date: 17 Oct 2009
Time: 11:15
Subject:Contact

Dear Tom

I'm afraid our Collections Team don't have the facility to respond via secure message.

To ensure you receive a swift answer to your query about your account, please call our Collections Team on 08456 000 296.

They're open Monday to Friday 8am until 9pm and Saturday/Sunday 8am until 4pm.

If you've already spoken to our Collections Team, then please disregard this message.

You may want to make sure we've got up to date contact details for you. To do this, please follow the instructions below:

* Go to the 'Personal details' tab at the top of this page.
* Select the relevant option for the details you'd like to change.

If your details are up to date it will help us to contact you in the future.

Thanks for your message.

Regards

Joe Harvey
Internet Customer Services

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Secure Messages - Client Care

-----Original Message-----

Date: 15 Oct 2009
Time: 13:34
Subject:Contact

Dear Sirs,

This 'secure' email is, as you say, secure.

I accept you will not transmit sensitive data to xxx, so please send it to this account.

I don't feel comfiortable discussing this over the phone and I have been advised I should be free to request discussion are over email.

I look forward to hearing from you and clearing this up.

REgards,
xxx
-----Original Message-----

Date: 15 Oct 2009
Time: 12:10
Subject:Contact

Dear Tom

We can't send information to your email address as email is unsecure form of communication.

You need to call our collections department on the collection department on the number you have been given on the last message.

Regards

Anthony Richardson
Internet Customer Services

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Secure Messages - Client Care

-----Original Message-----

Date: 14 Oct 2009
Time: 10:59
Subject:Contact

Dear Sir/Madam,

I would prefer contact via email at xxx

Kind Regards,
xxx

-----Original Message-----

Date: 14 Oct 2009
Time: 10:53
Subject:Contact

Dear Tom

To ensure you receive a swift answer to your query about your account, please call our Collections Team on 0845 7000 775.

They're open Monday to Friday 8am until 5.30pm.

If you've already spoken to our Collections Team, then please disregard this message.

Thanks for your message.


Regards

Miranda Bagnall
Internet Customer Services

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Secure Messages - Client Care

-----Original Message-----

Date: 13 Oct 2009
Time: 09:42
Subject:Contact

Dear Sir/Madam,

I am still awaiting a response from yourselves over my now extremely overdue accounts.

I would like to arrange some kind of payment plan, but sadly you are still to reply to me.

Please advise - I can be contacted at xxx and agree to my personal data being sent over the internet. Logging on to this service is difficult at my work.

Regards,
xxx

-----Original Message-----

Date: 17 Jul 2009
Time: 04:51
Subject:Contact

Dear Tom

I'm sorry to hear about your situation.

I have forwarded your message to our Collections department, could you please make sure all your contact details are up to date.

Thanks for your message.

Regards

Jane Lumsdon
Internet Customer Services

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Secure Messages - Client Care

-----Original Message-----

Date: 16 Jul 2009
Time: 15:46
Subject:Contact

Dear Egg,

I have now sent a number of letters to you indicating both my financial difficulties and my attempts at resolving the problems. Following advice from payplan I asked you to accept my repayment schedule of £36.06 on the loan and £96.32 on the credit card until I am in a position to pay more.

Unfortunately, you have not at any point responded with either acceptance or refusal of this, just added interest to the balances.

I do not get regular internet access, and so as requested, please please write back to me.

Regards,
xxx


Any ideas as to what I can write to get them talking?

Cheers,
Tom

Yes,
I have an idea, have you requested a copy of your agreement?
Exasp

Hi Harptree,
I am relative newcomer myself but what I can tell you is that you will be advised off the senior 'caggers' not to resolve any problems with a creditor over the phone.
Firstly to acheive what you want you need to try and strengthen your position. You didn't say when you took out the loan or credit card agreement as this will relevance when you are advised later how to proceed.
If it was pre-2006 then chances are that the agreements maybe unenforceable. This means that when you have folowed certain procedures they will not be in a position to demand 1p never mind what you are currently offering them. That isn't to say that you should or would but the point being when you have the upperhand suddenly they will start to listen and if they don't you have the option not to pay them at all(providing the agreements are not enforceable)
Let me know and I will post you the letters you need to send out.
Exasp

Hi All,

Thanks for the replys. I have CCA'd them, and they haven't responded to the request whatsoever. I am though eager to get a dialogue going.

What I am asking is whether or not you can say anything to enforce your position that you ARE entitled to discuss via email or letter. They appear to refuse to discuss on anything but phone . . . .?

Cheers

Originally Posted by Harptree

Hi All,

Thanks for the replys. I have CCA'd them, and they haven't responded to the request whatsoever. I am though eager to get a dialogue going.

What I am asking is whether or not you can say anything to enforce your position that you ARE entitled to discuss via email or letter. They appear to refuse to discuss on anything but phone . . . .?

Cheers

Did you send the CCA request letter recorded and when did you send it?
Exasp

Hi there,

They were CCA'd in April with appropriate recorded delivery. I've sent subsequently a number of letters included an 'in dispute'.

Cheers

Hi,
Well the accounts in dispute so legally until they provide you with documnetation to the contrary you are not legally obliged to pay them anything. I would stop paying them they will soon write to you and you can go from their.
They probably think because you have continued to pay them that you are not aware of your consumer rights!!
Hope this helps
Exasp