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    • stuff and all they can do .......they are TOTALLY powerless   and you are well used to dealing with REAL bailiffs anyway looking at your history   
    • ok Finally got home!   I'll try and keep it short however we finally got to an agreeable place   Walked over to sales as there was no more servicing could do especially as the aftersales manager quite simply said they will not be footing the bill. Spoke to the salesman, updated him and he was lost for words and had to ask me where things were left -  Requested senior management to come down - both head of business and general sales manager are off for half term.  That left the buying manager - ironically the same who purchased the car in for the dealership.  He was called downstairs but in the time that he did, he must have called the aftersales manager.   Once down, everything suddenly changed -  I was told they are now 'reaching a compromise' (I assume between the two departments) and it will be put right.  The part is being ordered, is on backorder for 2-3 weeks and once in, they will fit it. This of course means I am potentially out of my 30 day exchange/1000 mile exchange however appreciate I can drag it out if it came to rejecting it.    I got the aftersales manager to put in writing the part IS being ordered and if the part does not for whatever reason fix it, I CAN exercise the exchange regardless of how many days/miles I am out. --This was CCd to the sales manager, the service advisor and the buying manager stating he is accepting/making the decision in the absence of the two other managers.   So all in one- another wasted 5 hours there + the drive up/down but we are hopefully now at a point the final issue will be either permanently fixed or it will be the deciding factor of returning the car.  The part-ex has also gone so it's not like we could even just change back for now.   The part is scheduled to arrive pretty much the week of our due date which really messes this up in terms of transport/planning however we'll cross that bridge then - for now, I need to destress the other half who really did not need this especially with what is essentially for her the baby car    Could I ask - IF it does not fix it and we decide against the exchange - can we still reject?  If we can, what happens to the part-ex thats now gone/auctioned off?   I too believe 99% it will fix it but just curious.     Also just for anyone else taking an interest, the MMI unit that is faulty is not just the navigation but everything Audi - phone, radio, cd, sd card, service indicators, settings for the various components - its all part of the MMI brain.  And so the reason this is important that it is resolved is usually with this unit, if one part fails, it's likely the entire unit will fail.      
    • They don't have to care.  This is Britain - the biggest reaction will be some mild tutting.  The main goal now must be to keep the fear factor high whilst ensuring the pockets of the few continue to be lined.   
    • Cat 6 Marker then. Thats one of the worse you can get.  As @Andyorchsaid... You might need to go to the FOS etc to get this done. We had someone else who went all the way with Tesco and lost. Cat 6 Markers are very difficult to get removed.
    • This guide should help.   https://ico.org.uk/your-data-matters/your-right-to-get-copies-of-your-data/
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
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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...



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).





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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.






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.





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  • 2 weeks later...
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