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    • Hang on, I'll get into trouble for this but really! 12 years paying a DD you nothing about.................... and then you blame D&G. They would have notified you at your last known address or email at each renewal, every year, with ample opportunity to cancel each year.   12 Years!!   Bad things happen in the world of CAG but you really must bear some of the responsibility here.   H    
    • Should have access to all the data on the account tomorrow.  latest response from Barclays.   Dear    Thank you for your patience while this matter has been under review.   I’m afraid I’ve not yet been able to get the answers I need from the relevant team to allow me to provide you with any more information. However, please be assured I will continue to work on this and I will provide you with a further update no later than 29 January 2021.   Kind regards   Customer Relationship Manager Barclays
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    • Thanks for that, point one just confirms what I thought, I will get back to work on it with those suggestions in mind. Cheers
    • Two quick and immediate points:   1. Do NOT get your employer to suggest you were exhausted. You shouldn't drive whilst exhausted and it aggravates the offences. But in any case, since you are pleading guilty to them it doesn't matter. The circumstances of each offence are not relevant when the court considers your EH argument. By that time you have been convicted of them and how or why they happened is not a consideration.    2. Instead your employer's letter to the court should concentrate on the "Hardship" that others (e.g. the company or your colleagues) will suffer if you are banned. It should also cover why no alternatives are available to them (e.g. are your skills and knowledge scarce such that they cannot easily be replaced; can they not train somebody else quickly to do your job). That sounds harsh but your employer will be asking the court to accept that they will suffer hardship. Part of doing that is to demonstrate that no practical alternatives are available.   Remember, you will get three points for each offence whatever mitigation you offer for them - that is the minimum. So you don't need to concentrate on that. Concentrate on explaining the exceptional hardship that you or others will suffer.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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EGG CC & Loan


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Is it me? :-(

 

I have CC & Loan with Egg and have emailed recently to ask if they will put the balance of my credit card, which is around £600 onto the loan. I am trying to reduce my outgoings as much as possible due to working reduced hours from this month for a temporary period. Both accounts are up to date and the loan has approx 2 years to go.

 

They respond with anything but the answer, like phone them to speak to their collections dept! (account not in arrears)!!

 

Then today replied 'Yes you can apply for a loan'!!

 

In the process of requesting CCA's on other cards, perhaps I should start the ball rolling with Egg, just trying to get in a position to try and get F & F offers.

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Thanks cds, probably going to do CCA request this week.

 

They have replied now and stated not possible to add CC to Loan but I can apply for a new loan consolidating the two.

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  • 10 months later...

Not done anything with Egg until now and I have got my ORIGINAL CCA!

 

I will post it up as soon as I have access to my scanner at work.

 

I have just cancelled the direct debit and they have already called me from their collections dept, despite the account being up to date! Although I have broken the terms of the agreement by stopping the DD.

 

I am going to request my CCA from them and see what they produce, may be interesting!

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  • 9 months later...

Long time no post!

 

I have made an offer of payment to settle, to a DCA for this and they have refused to pass the offer on the Egg because I have refused to fill in their I & E form which they emailed to me.

 

Aren't the obliged, as an collection agent to pass ANY offer on to the OC regardless?

 

I still haven't requested my CCA lol!

 

Where has this year gone?

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  • 3 weeks later...

B.U.M.P.

 

Strange how some posts go unanswered!

 

I am sure I have read that a DCA is in breach of something if they refuse to pass an offer of payment on to the OC?

 

My Egg loan finishes soon (7yrs to pay off what might have been an unenforceable CC!) but it was at a good rate so i was happy to do it. Pity I didn't know what I know now! Although, at least it is one out of the way! :-)

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  • 2 months later...

Update, I have had a letter from Trevor Munn Solicitors today, for their client ARC (Europe) Ltd, on behalf of Egg Banking plc.

 

Never heard of ARC?

 

Says they have been instructed to prepare a County Court Claim in ten days unless substantial payment made or firm commitment to clear the remaining balance.

 

No reference to the offer I made to dlc previously!

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  • 3 weeks later...
bump (I'm in same situation - letter from a different solicitors though!)

 

Hmm, not quite the same, having read your thread ngj, fortunately I have not had to deal with the solicitors you have got on your back!

 

I have also tried to negotiate from day one on this but Egg seem to know better and it's now doing the DCA rounds!

 

Interestingly, I have received an email this week from Egg advising that Barclays now own this account and have done since 29th April!

 

Perhaps I should point this out to Trevor Munn or should I just leave them to carry on?!

 

We are only talking about a balance of around £650 before added charges and I offered dlc approx 38% but have refused to pass it on to Egg without me giving them income & expenditure details.

 

Now I am not necessarily against giving these but my expenditure fluctuates a great deal due to having to assist a student offspring who has had a major problem with a joint student tenants moving out. London rent is very expensive, without having to pay for someone else :-x!

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Hi Dotty

 

I have posted various messages on other threads regarding this but my latest missive from ARC and Munn reads: "Please be advised that this account is no longer with us our our solicitors and has been referred back to our client."

 

Meanwhile, I have CSL demanding token payments be paid to them rather than BCard or else arrangement is terminated, sky will fall in etc. etc. (they really are unpleasant b*stards).

 

x

 

v

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Wow Dotty

 

That's spooky, I got the same letter from ARC although not the creepy one from Trevor. I suspect the two organisations are related and Munn is a one man band whose office is unpersoned when his daughter goes for lunch as I have discovered when I have called them to be helpful.

 

It's a funny old world but it will be interesting to see what Diamond Geezer does with his bad eggs.

 

x

 

v

 

PS sorry Dotty, on checking my voluminous files i see the same creepy one from Trevor as well.

Edited by victoria_siempre
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Hi Victoria,

 

Thanks for your posts.

 

I see you file things away and forget about them, I thought I had only had 1 letter from ARC prior to this one and then realised they had written in early April, threatening legal action within 14 days!

 

Still waiting patiently! :wink:

 

 

Oh and CSL chased briefly for another card, possibly Barclaycard but they seem to have gone away for the moment.

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Thanks Dotty

 

I remember sillygirl's advice to me as a virgin on this site to maintain files but they are becoming as thick as me and I loose track of the DCA snail trails of spectrum.

 

CSL are BCard's bandit but without a NOA as required by the European Credit Directive (UK law) they shall not pass muster.

 

x

 

v

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