I Am Not Deceased

[groovygran]

Please could anyone advise on this matter.

 

Egg stopped taking payments for my credit card and this went unnoticed until I tried to open another bank account and after much scouring of my credit file found that Egg had applied a special status of DECEASED.

 

Having been made aware of this I have contacted Egg and they are apparently able to correct the file but will apply 18mths worth of interest.

 

I can't see how they can do this as it was an error made on thier part.

 

In addition to this after reassuring me on htree separate occasions that it would be corrected within 5 working days it has now been months and my credit file is still showing me to be DECEASED, and still unable to open the bank account.

[Series3]

groovygran

I'm glad you have recovered.

How long have you had the card?

Have you not used it for a while?

Did anyone inform Egg that you were "dead" or did they decide that?

Have they tried to recover anything from you yet?

[militantconsumer]

Hi groovygran,

 

Hope you're not offended, but I am trying not to laugh out loud at this - it is just so ridiculous!

 

I can't believe that they are now trying to chase you for 18 months of interest after all the trouble they have caused you by reporting you as deceased on your credit files.

 

I can't wait to see how this one turns out.

 

It's the sort of case I would expect to read about in the media.....

[militantconsumer]

GG,

 

I've been thinking about your case some more.

 

Could you complain direct to the 3 credit referencing agencies, pointing out that you are still alive?

 

I know they tend to want customers to go to the banks first - but perhaps that is more the case where there is an argument about whether you defaulted or whatever.

 

In your case there can be no argument.

 

You could point out that the incorrect information they hold on you (reference the Data Protection Act) is causing you big problems. You could mention the cost of not being able to get a competitive bank account due to the inaccurate data they are passing to third parties. You could send them a copy of any correspondence received from Egg which states that this should be corrected.

[groovygran]

Thanks for not going into histerics, I have to admit that after the initial shock, my family and my self found it funny, its now starting to become a pain.

 

Egg being a paperless company do not send anything in the post,

I have logged the dates of my conversation with Egg, so now its time to take this further as they dont seem to resolve the matter.

 

Will post further updates as and when, think this could become quite interesting

 

Groovygran

[militantconsumer]

I still think that if your case made its way into the financial complaints letters page of a sunday newspaper, it would not only make good copy for them, but it would probably solve your problem in about 5 minutes!

[basa48]

You've never owned a parrot have you !!

 

(Someone had to be the first to say it !)