You are entitled by strict law to obtain back statements from Egg itemising all debits and credits. This will come from Egg in a pile of papers one inch thick for a cost of £10. This will take a long time, possibly 6 weeks. Egg will also provide the option of back statements only for £5, coming much faster.

Until you have itemised statements it is not easy to find out what went wrong, and what can be challenged, what unlawful penalty charges are available for reclaim, including unlawful interest based on unlawful charges.

You are entitled by strict law to obtain back statements from Egg itemising all debits and credits. This will come from Egg in a pile of papers one inch thick for a cost of £10. This will take a long time, possibly 6 weeks. Egg will also provide the option of back statements only for £5, coming much faster.

 

Until you have itemised statements it is not easy to find out what went wrong, and what can be challenged, what unlawful penalty charges are available for reclaim, including unlawful interest based on unlawful charges.

Of course, don't forget to check if you are paying PPI premiums in your repayment as well.

Thanks for the info, I will now check into what you have said. First will have to get the statements or perhaps they can be obtained online? Anybody know if this is the case? Re the termination, yes I was one of the ones unilaterally terminated. Any comments on getting a settlement figure?

If you have no PPI to claim back and you have not defaulted on payments, then you don't have to pay 150 a month, you can repay the minimum

Also, if you don't pay or settle it will adversely affect your CRA status. If this doesn't matter to you, you could always threaten not pay any more unless they will.settle try making an offer. Expect no at first

Thanks for that, I have no intention of not paying, but would like a settlement figure as I have paid horrendous amount of interest to date. Also I have not defaulted but cancelled the direct debit a couple of weeks ago to make them actually write to me as I could not get anywhere online. So, you reckon if I make an offer of say £1200 that would be worthwhile trying?

I have a number of debts which I am unable to service, but thought it worth posting my experience with Egg, to whom I owe around £25k across a loan and card. When I moved to Spain nearly 2 years ago, and my finances had reached a low ebb, I notified all my creditors of my new address in Spain, but still had mail forwarding from my old UK address. I no longer have a UK address or mail forwarding, but long before that happened, Egg wrote to me to tell me that the T & Cs said that you had to be a UK resident to be a customer. I told them that I was no longer living in the UK, and changed my address on their website. They kept changing it back to the old UK address, and I tried several ideas, but the best came from my wife. I changed the address to Egg's address, and 18 months later, have not heard anything at all from them. I realise that one day, they will get in touch, but I am shocked that such a large amount is not receiving any personal attention from them. They even have my Spanish mobile number!

Just about says it all about Egg and their efficiency!! Wise man going to live in Spain!

I wish all of my creditors took the same line........

A low settlement will affect your credit rating, if that is important to you. Personally, I have settled at 10% in the past, but after a long didpute. It depends what your situation is. If I were you, I wouldn't settle.for mote than 10%. There again, I wrote off quite a few thousand-see my threads on here!

10 % could be worse

I initiated a PPI claim against Egg about a year ago. A cheque has now arrived through the post from Barclaycard for the outstanding plus the 8% interest.I just have to strike up a plan to clear the remainder.B

Egg Banking and Bryan Carter - just come out of the District Judges Chambers.

Egg credit debt from 2000. Debt repeatedly sold after court action raised against me.

Idiots continued claim after notice of assignment received, (I copied these and sent them to the court). They never even showed up at court. CASE DISMISSED. Had no legal right to pursue me but still sent a statement from Ms Lucy Penfold (trainee solictor for them) only 3 days before the hearing.

ANYONE FACING LITIGATION FROM BRYAN CARTER WHERE THEY ARE REPRESENTING EGG BANKING, CHECK YOUR NOTICES OF ASSIGNMENT as I'm pretty sure they have sold them all onto Barclaycard who have just sold them again to ARROW GLOBAL. These morons seem to act vexatiously and get away with it.

Considering a counter-claim for miss-sold PPI.

Anyone else not received statements from them? This invokes their T & C's No 17. You have to contact them and it costs you money on your account of a minimum £2 each time. Unfair relationship without a doubt IMO.

Love to hear other opinions on this.

Hi,

Can anyone please tell me where I can find a template letter to request information about PPI on my Eggcard/Egg loan which I got from Egg between 2001 and 2005.

I don't have any information about both accounts as the loan was fully paid off and the Eggcard account closed in 2006.

Any info will be very appreciated.

Realgem

Hi,

Can anyone please tell me where I can find a template letter to request information about PPI on my Eggcard/Egg loan which I got from Egg between 2001 and 2005.

I don't have any information about both accounts as the loan was fully paid off and the Eggcard account closed in 2006.

Any info will be very appreciated.

 

Realgem

Best to start your own thread in the PPI forum here

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?111-Payment-Protection-Insurance-(PPI)

SAR is the first step and there is a template in the CAG library, top left of each page in green.

I cannot find what I am looking for and may need to open a new posting site (how do I do that ?) I have now received a letter from Marlin Capital Europe saying that they have been assigned the debt from Barclaycard who had earlier taken over the debt to EGG BANKING. I WAS ONE OF 161,000 Egg C/C holders who were cancelled whilst not in arrears a few years ago. I am trying to findf out how these former holders are getting on...........................................................

Hopster, looks like Marlin have been given a job to do - see http://www.consumeractiongroup.co.uk/forum/showthread.php?215961-EGG-gt-gt-A-Quandry&p=4137372#post4137372

I cannot find what I am looking for and may need to open a new posting site (how do I do that ?) I have now received a letter from Marlin Capital Europe saying that they have been assigned the debt from Barclaycard who had earlier taken over the debt to EGG BANKING. I WAS ONE OF 161,000 Egg C/C holders who were cancelled whilst not in arrears a few years ago. I am trying to findf out how these former holders are getting on...........................................................

There were merely 83 pages of postings on this subject before the thread was closed to further postings in 2011.

http://www.consumeractiongroup.co.uk/forum/showthread.php?136848-Termination-of-Egg-credit-card-agreement/page83

The final posting on page 83 sums up what was actually happening in 2011. If you wish to know what has transpired since then, best to PM the posters in the latter stages to find out if anything new happened.

Ps. You might like to click User CP at the top, then select options for posting -- switch from WYSIWYG to Standard Formatting then save. That way your posting will retain paragraph breaks as typed in.