Egg credit card agreement terminated

[Liz Southern]

Hi peeps

 

I want another little green thing. What are the little green things?

 

Liz

[diddydicky]

they appear when folk "tip your scales" for giving them good advice (i think)

[Liz Southern]

they appear when folk "tip your scales" for giving them good advice (i think)

 

Tip my scales, people, if I've given you good advice, pleeeese. I'd like more green things.

 

I don't have a headache either at the moment, DD, (ignoring what you really meant! ) and I'm getting hungry. Maybe I'm getting better!!! yeeeah. But maybe I'm not, cos I'm sitting here in a t-shirt, boiling hot and my other half's got layers and layers and layers on, and says it's freezing!!! Men, eh!! Maybe he's got man-flu. ha ha.

 

Bye

Liz

[BEC01]

Many thanks for the words of wisdom Liz!

 

Ignoring Egg appears to have been very effective so far too.

You are right, they attempt to bully vulnerable people into paying what they cannot afford.

[Mistermind]

Tip my scales, people, if I've given you good advice, pleeeese. I'd like more green things.

 

......and I'm getting hungry.

 

Ah you are hungry for green shoots .

For this admirable ecological sentiment I have just tipped your scales.

May your things get greener still.

[basa48]

Many thanks for the words of wisdom Liz!

 

Ignoring Egg appears to have been very effective so far too.

You are right, they attempt to bully vulnerable people into paying what they cannot afford.

 

Not just wisdom, more inspirational.

 

Thanks Liz.

[Liz Southern]

Ah you are hungry for green shoots .

For this admirable ecological sentiment I have just tipped your scales.

May your things get greener still.

 

"hungry" for "green shoots" - oh, very good.

[diddydicky]

my wife had green marks on her thighs

 

i dont think her boyfriends earrings were real gold!

[sapper243]

Hi Steven, I wonder if you could take a look at my first post and offer any wisdom, I also have several defaults totaling around 20K do you think I should ask for all the original agreements. Plenty of time now as I have been made redundant. Thanks

[phatram]

Looks like its Freds turn,

 

 

Anyone else?

[alisindebt]

Looks like its Freds turn,

 

 

Anyone else?

 

What an unusual name and signature. Hello Mr. International.

[basa48]

What an unusual name and signature. Hello Mr. International.

 

:lol::lol:

[Liz Southern]

Sorry haven't replied sooner. Am extremely busy. I agree with alisindebt, make a formal complaint to the DCA, as suggested by Alisindebt, and if they are alleging that they have purchased the debt from Egg, (can't remember thread, apologies) add the sentence, please provide a certified copy of the Notice and Deed of Assignment. In your letter also add that you are making a complaint to the OFT with a view to having their trading licence revoked. Then write to the OFT complaining about their behaviour.

 

LS

[alisindebt]

Sorry haven't replied sooner. Am extremely busy. I agree with alisindebt, make a formal complaint to the DCA, as suggested by Alisindebt, and if they are alleging that they have purchased the debt from Egg, (can't remember thread, apologies) add the sentence, please provide a certified copy of the Notice and Deed of Assignment. In your letter also add that you are making a complaint to the OFT with a view to having their trading licence revoked. Then write to the OFT complaining about their behaviour.

 

LS

 

Well said and furthermore use an additional technique that I tried (put it this way, they write to you, call you, get DCAs to harass you, so you have to become creative back until they realise they are better of frying other fish). Write as many complaint letters as you can. Always be factual, not emotional, include as much evidence as you can, but always try and index or list it so that the complaint is clear.

 

People I wrote to include their local MPs, their local Trading Standards, OFT, Consumer Direct, Banking Ombudsman. Even if you complaint cannot be handled by a particular organisation or MP, they always write to the DCA, which causes problems for the DCA, and very often they are investigated. this alone makes them think twice about chasing you.

 

They all walked off as a result, I was too much of a nuisance.

[218bhp]

 

People I wrote to include their local MPs, their local Trading Standards, OFT, Consumer Direct, Banking Ombudsman. Even if you complaint cannot be handled by a particular organisation or MP, they always write to the DCA, which causes problems for the DCA, and very often they are investigated. this alone makes them think twice about chasing you.

 

They all walked off as a result, I was too much of a nuisance.

 

This sounds like an excellent strategy and one I may employ for my PPI claim against another bank - It has to be worth a try!

[alisindebt]

This sounds like an excellent strategy and one I may employ for my PPI claim against another bank - It has to be worth a try!

 

The main one here is the banking ombudsman service if you get problems in trying to retrieve money. I used them against Abbey.

 

There is an additional excellent source of information here:

 

PPI Reclaiming Guide: £1,000s for missold loan insurance...

[alisindebt]

A bit late I know, I had exactly the same text and to date guess whats happened absolutely nothing! They keep threatening everything and doing nothing. I am however expecting a pleasant letter from their new DCA of choice. They cannot be bothered to send me my complete SAR, even after numerous letters so I'm no longer acknowledging any drivel from their random dca's.

 

Pumpytums

 

When they wrote to me i emailed back with the following bemused letter which did the trick. I also invoiced them for 100 pounds, saying that I charge out at 50 pounds an hour for unsolicited time wasting. They actually wrote back saying the account would not be pursued but they would not pay the invoice. I made a "collection call" by telephoning their office but the invoice remains outstanding as of today. This is the letter, which I adapted with a charge for time:

 

ACCOUNT IN DISPUTE

 

Dear Sir/Madam,

 

Your ref:

 

 

Thank you for your letter of **DATE**, the contents of which are noted.

I refer to my letter of **DATE** a copy of which is enclosed for your perusal and ease of reference.

 

As holders of a Consumer Credit Licence you are obliged to comply with the Office of Fair Trading Guidelines on Debt Collection. I would therefore be obliged if you would provide me with an explanation as to why you are attempting to collect on an alleged debt which was disputed with **BANK ** prior to your first contact with me, and has yet to be resolved.

As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

 

Since this is considered an unfair practice and contrary to the OFT guidelines, you should consider this letter as a formal complaint, and provide me with a copy of your complaint resolution procedure.

I also require you to confirm that you will now comply with the OFT guidelines, and will not attempt any further collection activity whilst the dispute is unresolved.

 

Should you fail to provide me with the required undertaking within 7 days, I shall report your breach of the OFT guidelines to Trading Standards and the Financial Ombudsman Service.

 

Take notice that I will not discuss this matter on the telephone, and all further communication must be in writing. Any further telephone calls will be perceived as harassment, and dealt with accordingly.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

[MandM]

I also invoiced them for 100 pounds, saying that I charge out at 50 pounds an hour for unsolicited time wasting. They actually wrote back saying the account would not be pursued but they would not pay the invoice. I made a "collection call" by telephoning their office but the invoice remains outstanding as of today.

I HAVE to try that :D:D

[alisindebt]

I HAVE to try that :D:D

 

I do it regularly. When CapQuest closed my account, also due to a prior dispute with the OC (who were Egg-yes Egg sh** on CapQuest by selling them a dud debt-don't you love it??!!), I called CapQuest with a collection call, demanding repayment of installments that i had made to them.

 

The lady who had chased me for the alleged debt was suddently the victim of collection calls from me! As a courtesy and convenience to her, I offered tocall her at home in the evening, on her mobile phone or send around a doorstep collector, whichever was best for her. I can't understand why she became so flustered and angry, I wasn't being unreasonable!

[phatram]

[basa48]

They should perhaps re-read s98 and UTCCR Schedule 2 (1)(o).

 

However that said the only remedy the courts could conceivably apply would be to re-instate the agreement to a pre 'termination' state. Egg would then restrict your credit to the current balance and require minimum payments.

 

BTW has anyone got a copy of Egg's T&Cs that actually contains a clause 20??

Edited January 17, 2010 by basa48

[MandM]

 

BTW has anyone got a copy of Egg's T&Cs that actually contains a clause 20??

 

Got 2 sets with my SAR. card was 2001.

 

Originals go up to clause 19.2, new ones go up to clause 24.2.

 

However, the clause that relates to termination by them in their latest T&Cs is clause 21.2.

 

Muppets can't even get that right!

 

M

[basa48]

Got 2 sets with my SAR. card was 2001.

 

Originals go up to clause 19.2, new ones go up to clause 24.2.

 

However, the clause that relates to termination by them in their latest T&Cs is clause 21.2.

 

Muppets can't even get that right!

 

M

 

How many versions of T&Cs did Egg produce?

 

My 'termination' letter quotes clause 20.2, but the actual termination clause in the T&Cs sent is 15.1.

[MandM]

How many versions of T&Cs did Egg produce?

 

My 'termination' letter quotes clause 20.2, but the actual termination clause in the T&Cs sent is 15.1.

 

 

Looks like they had loads then !!! I suppose they just kept updating them online and then confirming by e-mail. 15.1 then, I assume, would have been your original T&Cs.

 

20.2 would have been when they formulated their cut and paste response letter. Just not bothered updating it since.

 

M

[basa48]

Looks like they had loads then !!! I suppose they just kept updating them online and then confirming by e-mail. 15.1 then, I assume, would have been your original T&Cs.

 

20.2 would have been when they formulated their cut and paste response letter. Just not bothered updating it since.

 

M

 

The T&Cs they sent with my 2002 agreement are dated 01/09!

 

The 'termination' letter dated Jan 2008 quoted 20.2??