Beachy's OH v Egg Card

[beachcomber60]

Beachy's OH just received letter from Egg stating that they have been unsuccessful in trying to telephone OH to discuss account (in agreed payment plan with them & it's up to date), if OH won't speak to them ON THE PHONE they will seriously consider taking legal action.

 

Didn't think WE HAD TO speak to these people, True Call installed but their number hasn't been Zapped (yet) & they don't leave any message, they were told last year that we will not discuss financial matters over the phone and everything to be done in writing.

 

Is there a LEGAL right for them to DEMAND OH rings them?

 

Beachy

[cds]

in a word no

 

cds

[beachcomber60]

Think the cause of it is coz I've SAR OH account, PPI & horrendous charges on the accounts, and it's upset them!

 

Doesn't give them the right to make such a threatening letter though.

 

' We cant get through your True Call so if you don't ring us we will commence legal action'

 

How dare they how very dare they ! !

[cds]

Just file it with the rest (not the dustbin lol). Have you disputed the existence of a valid cca or are you just going for charges. Until you dispute one way or another Egg do tend to be rather tenacious with the phone.

 

Perhaps you should expand on your situation and them keep the thread up to date, that way you will get ongoing advice.

 

cds

[beachcomber60]

Ta muchly,

 

Just started out on this one, have sent SAR for complete banking history inc. CCA's for card & loan.

 

So early days yet I suppose.

 

Initial goal was ppi & charges but now looking at the full 'monty' (enforceability etc).

 

Beachy

[beachcomber60]

Sent off cca request to Egg three weeks ago, received a letter today informing me that they are unable to respond to my request as I did not enclose the £1 fee, once I forward the fee they will process my request.

 

Is there a way of checking whether postal orders have been cashed, cca request was sent RD (which I have proof of delivery), the £1 postal order was stapled to my letter and was made payable to Egg.

 

Thanks

 

Beachy

[mustang67]

Copied this of an earlier post, send copies of Po receipts to

 

Post Office

1 Future Walk

West bank

Chesterfield

S49 1PF

 

Usually takes a week for written confirmation

[beachcomber60]

Thanks

 

Will send off tomorrow

[beachcomber60]

OH sent cca request to egg received their response today (two weeks outside the 12 + 2 days).

 

Firstly it was addressed to Mrs Beachy but letter started Dear Mr Beachy, next is the account number on the letter does not relate to any paperwork we have from Egg.

 

Then they say that OH didnt enclose the £1 fee and to forward it on by return, a £1 postal order payable to Egg was stapled to the cca request and was sent recorded delivery.

 

If the above wasnt enough there were about 10 pages of terms and conditions headed Credit Agreement, no dates or account number or signutures or place to sign, in addition on about page 5 it states about Approved limit as opposed to credit limit which PT refers to in his thread.

 

In a seperate letter also received today was a stroppy letter saying that they have not been 'successful' in getting a telephone response from OH and unless OH contacts them by phone legal action may be taken.

 

If this wasnt enough OH had a third letter containing statement of payments made over the past six months, OH is in an agreed p/plan and they agreed to freeze interest and charges however looking at the statements they have continued to charge interest each month.

 

Phew that it - any views?

 

Beachy on behalf of OH

[beachcomber60]

..

[meerkatsmimm]

Hi Beachy,

 

seems like the lovely staff over at EGG PLC have been busy - agreements flying out all over the place!

 

Mr Meerkat received his agreement yesterday and it appears to be very similar to Mrs Beachy's, only 'Approved Limit' mentioned.

 

Also Mr Meerkat's mummy got an Egg agreement with her signature exactly like that, however the date she apparently signed it on was last year and not in 2005 when she applied for the card.

 

Hope things are ok over in Casa de Beachy

 

Meerkatsmimm--

[beachcomber60]

Hiya,

 

Yeap everything fine over here, hope all is well with you & yours - starting to wonder where everyone was

 

Looking around the Egg forum Egg seem to be hopelessly disorganised regarding paperwork.

 

A Cagger gave me an address to write to to check if the postal orders had been cashed, I cant see how they can deny receiving them when they were stapled to the letters! Popped into our local PO yesterday afternoon (now on first name terms with them) apparently if you take a postal order receipt to the PO they can check there & then as to whether it has been cashed.

 

The SAR (when it arrives) should make fascinating reading!

 

Beachy

[meerkatsmimm]

Hi,

 

Think everyone's trying to enjoy the bank holiday weekend.

 

I'm due SAR's from a few banks and like you i think they'll make interesting reading!

 

I'm off to bed now - have a good weekend!

 

Meerkatsmimm--

[beachcomber60]

Morning CAGGERS,

 

Wonder if anyone else has encountered this problem with Egg.

 

For both OH & me, we sent off for copies of our egg agreements & SAR (5 accounts in total) Egg are now well outside the 12+2 days so the accounts are now in dispute. Even outside the 40 day period regarding the SAR's.

 

All requests where sent individually by Recorded Delivery (have proof that they were received, however Egg have replied that we did not enclose the required payments (done by postal order and awaiting post office confirmation that the orders have been cashed).

 

I have an Egg loan which they sent a cca & looks enforceable - but they are demanding payment of £1 by return.

 

OH has been sent T&C's for an Egg card with an account number that isnt hers and again asking for the £1 to be sent by return.

 

Other three accounts & SAR they require the fee to be sent again, surely if they received five recorded delivery letters each containing a postal order, payable to Egg, they cant say they havent received payment.

 

Just wondering if they are also playing delaying tactics.

[beachcomber60]

Quiet in the Egg forum today

[beachcomber60]

mmmmm - Looks like no one else has had the problem/delaying tactics with Egg

[cds]

"To trace if a Postal Order has been cashed you would need to complete a

P58 form available from any Post Office® branch. When you’ve completed the

form hand this in at the Post Office® and this will be forwarded to Royal

Mail to investigate.

 

Alternatively you can send the P58 form and the receipt for the postal

orders to:

Postal Order Group

PO Box 168

Chesterfield

S49 1ZL

 

It is recommended that you keep a copy of the receipt for your own records."

 

Egg are quickly becoming renowned for their delaying tactics, swamped under comes to mind.

 

I've noticed this forum as been very quite this week, quite before the storm perhaps

 

cds

[angry cat]

EGG, have always been renowned for their delaying tactics!

[beachcomber60]

Thanks for the comments.

 

Did ask the local Post Office the other day, gave me the address to write to, told me to write a letter quoting the seriel numbers of the PO's, didnt mention about the P58 which I have picked up this morning.

 

It goes without question that by sending my requests Recorded & got proof of delivery I know they received the PO's.

 

Just so happens that I received my SAR this morning (they again asked for the fee to be sent by return as it has not been received).

 

Just had a quick scanny through the contents, plenty of charges and suprise suprise they added ppi to a loan amounting to £2,472 which I did not consent to, so it looks like GAME ON!

Edited May 30, 2009 by beachcomber60
Corrected ppi figure

[beachcomber60]

Have received my SAR from EGG - what a complete mess they've made of it, one account completely missing, one former card statements duplicated three times (no wonder the envelope was so heavy), although I asked for everything I only received one loan cca and everything else was just statements relating to two former cards.

 

They did supply the cca (below) but did not supply state of account, payments made etc etc..

 

I've read so much about Egg I wonder if someone could confirm whether or not its enforceable & whether the interest rates and figures are correct.

 

 

 

 

Second page

 

 

 

Thanks

 

Beachy

[beachcomber60]

Morning

[beachcomber60]

..

[beachcomber60]

Mmm - Looks like I'm the only one with a problem with Egg.

 

Its not a Debt Industry problem (yet) so cant post there & I dont believe in posting my problem on someone elses thread,

 

So bump.

 

I make the interest/APR a couple of pence different to them.

 

On a payment plan & they are dividing the monthly payment into two parts, wont tell me why and have not provided a statement of account as part of me cca request & as part of SAR.

Edited June 3, 2009 by beachcomber60
Spillin mistook

[beachcomber60]

Mmm - Looks like I'm the only one with a problem with Egg.

 

Its not a Debt Industry problem (yet) so cant post there & I dont believe in posting my problem on someone elses thread,

 

So bump.

 

I make the interest/APR a couple of pence different to them.

 

On a payment plan & they are dividing the monthly payment into two parts, wont tell me why and have not provided a statement of account as part of me cca request & as part of SAR.

 

 

Looks like your on your own on this one Beachy !

[andydd]

Looks like your on your own on this one Beachy !

 

Hi..had quick glance and it seems enforceable. Any reason you think it may not be ?

 

The important 'prescribed terms'

 

Amount Of credit

Repayment schedule

Interest

 

all appear to be there.

 

Andy