Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Egg Card Default Notice, Cancelled Account Queries


emmar
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5288 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

In September 2006 I received a default notice from Egg, October 2006 the account was cancelled.

 

Since then I have been paying £1 a month towards the balance - I am on Incapacity Benefit which they know of. Every 6 months I get harrassing phone calls requesting a call by 5pm today. Even though I asked for it all to be done by letter as I have mental health problems and can't handle the telephone.

 

After reading on here should I ask for a copy of my credit agreement (i honestly cant even remember when I signed up it was that long ago!) and see how I can go from there. There isnt a hope in hell of me being able to pay back the money.

 

Help please!

Link to post
Share on other sites

This is a credit card account, right?

 

Did you take out the card more than 4 years ago?

 

How did you get to pay only £1 per month. Do you have a Court Judgement on the account? or is it a personal plan with Egg?

 

Incidentally Egg often come back asking for a signature - as a delaying tactic.

 

What I did was sign but NOT with my usual signature, that way you can tell if they've lifted it off to use on another fake document. (Some companies do that you know!)

Link to post
Share on other sites

This is a credit card account, right?

 

Did you take out the card more than 4 years ago?

 

How did you get to pay only £1 per month. Do you have a Court Judgement on the account? or is it a personal plan with Egg?

 

Incidentally Egg often come back asking for a signature - as a delaying tactic.

 

What I did was sign but NOT with my usual signature, that way you can tell if they've lifted it off to use on another fake document. (Some companies do that you know!)

 

Hi there,

 

Yeah its a credit card account and it was before 2002 I'm sure that I took it out..

 

No court judgements on it, Ive agreed this amount with Egg as I was signed off sick, I have been off for a while now and it looks like a while yet so wanted to find ways of stopping them harrassing me for more money all the time whereas the £1 is all i can afford :(

 

No news yet as per the CCA, have read the other thread with interest re signature so waiting for the message back from them about that.

 

Sent them an email asking them not to phone but to send by lettter . Have since received an email saying ive to phone them to agree this - so i ignored that and sent them a letter asking all dealings by letter and not phone.

 

Just getting to the stage Im fed up telling them the same story every 6 months regarding my situation.

 

Thanks for getting back!

Link to post
Share on other sites

Hi there,

 

Yeah its a credit card account and it was before 2002 I'm sure that I took it out..

 

No court judgements on it, Ive agreed this amount with Egg as I was signed off sick, I have been off for a while now and it looks like a while yet so wanted to find ways of stopping them harrassing me for more money all the time whereas the £1 is all i can afford :(

 

No news yet as per the CCA, have read the other thread with interest re signature so waiting for the message back from them about that.

 

Sent them an email asking them not to phone but to send by lettter . Have since received an email saying ive to phone them to agree this - so i ignored that and sent them a letter asking all dealings by letter and not phone.

 

Just getting to the stage Im fed up telling them the same story every 6 months regarding my situation.

 

Thanks for getting back!

 

OK you'll just have to sit tight and wait for the agreement for now.

 

When (if) it arrives post it up and we can advise your next step.

 

Use Image hosting, free photo sharing & video sharing at Photobucket to put copies of what you receive. From there you can post on to this site.

Link to post
Share on other sites

Hi Emmar,

 

You are getting good advice here already, but I have just changed my telephone number with BT, when I explained why I wanted a new number they actually said-we get these requests all the time about loan companies-I got a choice of three new numbers and chose one I can now actually remember and no more calls come through.

 

 

Have a think about it.

Link to post
Share on other sites

Thanks, the calls come on my mobile so I dont answer unless I know who it is, its just the tone of the "phone by 5pm or else" kinda thing, then the next day i get the if you dont reply in two seconds you will combust letter (well you know what i mean!)

 

I haven't had any more calls since i sent the email and letter so hopefully(!!) they have noted this. Just want them off my back really so I can concentrate on getting better :(

Link to post
Share on other sites

Thanks, the calls come on my mobile so I dont answer unless I know who it is, its just the tone of the "phone by 5pm or else" kinda thing, then the next day i get the if you dont reply in two seconds you will combust letter (well you know what i mean!)

 

I haven't had any more calls since i sent the email and letter so hopefully(!!) they have noted this. Just want them off my back really so I can concentrate on getting better :(

 

Just relax! You'll have to wait for the CCA or if they insist on a signature just write back but DON'T use your usual signature.

Link to post
Share on other sites

It's a good attitude to take-especially as they will no doubt ignore the pertinent issues you raise in your letter.

 

Sorry, I don't want to sound defeatist-because I don't feel defeated, but just want to make you aware that you need to be pragmatic-that way whatever they send you doesn't deflate you.

 

Forewarned is forearmed I say.

Link to post
Share on other sites

  • 3 weeks later...

Got a letter back from Egg today dated 4th April but franking dated 6th April - i sent letter on 13th March - asking for a signature or a document with my name and address on it. Reply being sent today with corrupted signature on it :)

Link to post
Share on other sites

I emailed them a it doesnt specify that you need my sig secure email to them letter

 

and got this back by secure mail

 

"

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

 

Surjeet Bola"

 

er nice to know they read my I want everything in writing and read my email!

 

 

Internet Customer Services

Link to post
Share on other sites

  • 3 weeks later...

Still no news from Egg re CCA although today I got a "our records show that payment has not been made" letter. When I am still paying my token fee by standing order and this has not been changed.

 

grr grr

Link to post
Share on other sites

  • 4 weeks later...

Eventually!

 

brief outline - request sent 13th March, 14 days up around 2nd Apr, 30 days up 12th May.

 

 

Got two letters today both dated 15th May (franked on the 18th)

 

"Weve received your complaint" this was a reply to my why havent you sent me my CCA that was requested on 13th March!

 

2nd Letter has

"Further to your recent request, I have pleasure in enclosing a copy of your signed Credit Agreement in accordance with your rights under the Consumer Credit Act 1974 and a copy of your terms and conditions"

 

eggCCA.jpg

 

egg.jpg

 

Signed.jpg

 

crop.jpg

 

 

The terms and conditions are what they have pulled off their Z drive and

printed onto Egg paper.

 

 

smallprint.jpg

 

Help please :)

Link to post
Share on other sites

  • 3 weeks later...

HAS ANY ONE NOTICED THIS ONE HAS LIMIT ON IT AND NOT APPROVED LIMIT

 

STILL CANT GET IT RIGHT THOUGH PRE 2005 AGREEMENT HAVE FUN WITH THIS AND JOIN THE EGG CLUB WITH MENY MEMBERS

 

 

TOTALLY AGREE WITH FOLLOWING THE LINK

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.htmlhread

Link to post
Share on other sites

  • 5 months later...

After sending in a dispute letter and stopping my DD months and months ago. I now have a letter from Apex Credit Management stating that they are in control of my debt.

 

Any idea what to do now?:?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...