EGG CC & Loan

[Dotty50]

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.

[cds]

Definately have a look at the cca before refinancing eggs older agreements all seem to be coming back with discrepancies

 

cds

[Dotty50]

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.

[Dotty50]

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!

[Dotty50]

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?

[Dotty50]

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!

[Sare Heid]

Hi Dotty,

 

Could be considered unfair practice by not referring reasonable offer of payment to OC - OFT Debt Collection Guidance (section 2.8g).

 

SH

[Dotty50]

Oh that's great, thank you Sare Heid I will check it out

[Dotty50]

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!

[ngj78]

bump (I'm in same situation - letter from a different solicitors though!)

[Dotty50]

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 !

[victoria_siempre]

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

[Dotty50]

Just for anyone looking in, here are the letters that I received from them.

 

egg.pdf

[victoria_siempre]

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 May 26, 2011 by victoria_siempre

[Dotty50]

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!

 

 

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

[victoria_siempre]

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

[ngj78]

deleted. Posted in wrong place. Sorry.