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    • Yes she went back to them and asked them to remove the cancellation however the girl on the phone went to ask someone and came back and said she couldn’t.   Thing is they then tried to charge her £1000 to reinsure, I contacted a broker and got it down to £760, she went back to them and they miraculously could do it for £690!!  It feels like they are using this to fleece her, her previous ins was £300.   I will get her to write a complaint to them...do you know if there’s an insurance ombudsman she could contact?    I just feel it would have been fair fair to suspend the ins pending the court outcome!    Thankyou.
    • Hi,    Yes my daughter drove through a red light.   Yes her DVLA was still registered to her previous address at Uni hence them not being able to contact her hence the MS90.   This is her 1st car and she simply didn’t think to re register her car to our address she genuinely forgot!  However we left our forwarding address with the letting agent but the house was subsequently sold and the new owner used a different letting agency so communication was lost.   The courts enlisted the bailiffs and when the current tenant found her via Facebook she was genuinely mortified as she had no idea that she had broken this light.   She immediately rang the bailiffs and court who advised her to make The Statuary Declaration, whilst waiting for that date to arrive she thought she better ring the insurance company to explain what was happening thinking they may have to suspend her policy however they cancelled it on the spot she asked them not to but they just went ahead charging her £50 to do so.   At court after she explained what had happened the court dropped the MS90, and reduced the points and fine to what it would have been originally.   Going back to the insurance company they said they couldn’t remove the cancelled policy and it would show on her record for life and tried to charge her £1000 to reinsure!!  Previously it had been £300 as she had built up 2 years no claims.   I contacted a broker who said he could insure her for £760, she went back to her original insurance company, Admiral who then said they could now do it for £690!!  How can they suddenly do that sounds unscrupulous to me and that they are using this cancellation to now fleece her!!   She is a medical student and needs the car to get to the different places she is working on placement but can’t afford to pay this extortionate amount of money.  I would expect her policy to go up a bit but would say max £500 is proportionate?    I will I’ll get her to contact them Regards making a complaint in writing as you have suggested.   Thank you.    
    • I’m not sure who you mean by the OD and do you want me to see if the PDL is enforceable or not pay it at all?   And what should I do about the NatWest? Surly there’s a case getting it wiped if the charges came from them charging me for a PBA that I had told them to close and they said they had. Also am I paying the credit cards back in full or trying to get a reduced settlement?   Thanks Andrew 
    • Initial payments have already come in - we wouldn't have started otherwise. There's about £3,500 outstanding. The £800 was verbally agreed initially, but later correspondence from the customer shows that he's accepted the £800 for the extra work.
    • Each should send a cpr 31:14? Cant produce signed documents = no liability??
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Dotty50

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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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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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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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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Hi Dotty,

 

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

 

SH

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

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

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

 

egg.pdf

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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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deleted. Posted in wrong place. Sorry.

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