Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
king123

King vs Egg Credit Card

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3597 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I'm in the process of trying to reclaim credit card charges from Egg and have been helped by this thread.

 

The bigger issue for me (as the account balance is in the 10k range) is whether the CCA is enforceable and if not what I can do about. I gather from my reading on the forum that it might well be a dud. It looks quite like the document in this guy's thread.

 

Do we think this is unenforceable? If it's not what would a reasonable outcome be?

 

th_EggCCAp1anon.jpg

 

th_EggCCAp2anon.jpg

Share this post


Link to post
Share on other sites

Well I've sent Egg what should be the final letter about charges (based on this) and had a charming reply saying they won't budge and that I am entitled to complain to the FSO. The key paragraph is:

 

"In line with the Office of Fair Trading (OFT) investigation into default charges the charges incurred are a genuine pre-estimate of the loss caused to Egg when a customer breaks the terms of their agreement".

 

My letter to them had already stated:

 

"If your charges are indeed a genuine pre-estimate of the administrative costs likely to be incurred by you in dealing with defaults then in order to reassure me that your penalties really do reflect your costs, I request that you provide me with a breakdown and proof of all costs involved with regard to your actual or liquidated losses involved in any breach of contract to which these charges relate with yourselves and that these charges reflect your true costs in relation to the said charges and are proportionate to the charges levied on my account as defined in Unfair Terms in Consumer Contracts Regulations 1999 Schedule 2 (e). "

 

so my guess is that they didn't actually read my letter nor do they have any intention of refunding me.

 

Did anyone look at my CCA and do they think it's enforceable or not? (I know these are seperate issues, but if I'm not getting any joy with regard to bank charges I need to try a different tactic!)

Share this post


Link to post
Share on other sites

PS It's interesting that they're treating this as "Your complaint" whereas in fact it's a claim based on a point of law :/ I'm not complaining, I'm telling them they owe me money and asking them to pay it!

Share this post


Link to post
Share on other sites

Egg managers know the Moc1982 template letter by heart after receiving it for 2.5 years -- Egg paid out without exception, to some immediately, to others with more delay not unrelated to the wooliness of the text they received. When you rephrased it the crispness was lost, and it looked like a new letter.

 

The letter you received was not composed by a human and does not reflect a human decision, but just another one of the standard templates printed off the computer in volume whenever specified by a clerk for one of their 2 million cardholders.

 

Check back in the Egg Forum -- another person received an identical text. Ignoring Egg's "Final" position he reiterated his own final position, namely to see you in court, with legal papers to be served in one week and the extra cost to be reclaimed from you. Egg paid in full. It is your case to run as you choose.

 

Good luck.

Edited by Mistermind

 

 

Share this post


Link to post
Share on other sites

Thanks Mistermind! I only rephrased it to reflect my circumstances, i.e. they have offered me nothing whereas the person who wrote the letter had been offered a partial refund. I suspect they didn't read past the first paragraph anyway ;)

 

I'll have to think about your advice as we're talking "only" £200 out of a 10k account and I'm not sure it's worth going to court over. If I threaten to see them in court I have to mean it, of course.

Share this post


Link to post
Share on other sites

We've seen this agreement (well, not your's, but the format) and the problem seems to be this;

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html?highlight=egg

 

;)


Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Share this post


Link to post
Share on other sites

Thanks Chris. I've spent most of the weekend reading the forum and whilst I can find lots of debate about whether Egg agreements are enforceable or not (thanks for the links btw) I don't see many examples of people being successful against Egg and to be honest I haven't a clue what I should do next :(

 

The situation in brief:

I've been making token payments for over a year. CCA was received early in 09. Case is being handled by a DCA. Charges reclaim has been fruitless.

 

I'm thinking my options are to sit tight and continue with the the token payments for now, or make a (low) F&F offer. Otherwise if I don't get some of these bigger debts cleared soon I might have to consider bankruptcy.

 

Any thoughts or advice?

Share this post


Link to post
Share on other sites

I think we're saying it's unenforceable because of those issues, right?

 

If it were me, I'd concentrate on the enforceable debts, as those come above this.

 

Paul is more over these Egg agreements than I - I'll see if I can grab his attention.


Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Share this post


Link to post
Share on other sites

Thanks Chris.

Share this post


Link to post
Share on other sites

Who is the DCA?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites

The DCA is DLC.

Share this post


Link to post
Share on other sites

Tried making a low F&F with money from a relative but all its done is woken DLC up and now they're hassling me again. I'm just gonna sit tight for a while and make my agreed payments while I decide what to do.

Share this post


Link to post
Share on other sites

DLC wrote to me in November saying that they "need" me to increase my payments and threatening to withdraw my "instalment rights". I haven't paid them since November, so they wrote again in December saying I'm behind with my payments. They've also asked several times for an SOA. This is pretty much routine now, a letter per month.

 

Should I just sit tight? Should I send an SOA? Should I make an payment? Is there anything else I can do? The debt is nearly 10k and is 20% of what I owe. I know the CCA may be dodgy but I don't feel at all comfortable about challenging it in the current climate.

Edited by king123
Addition

Share this post


Link to post
Share on other sites

Account got passed to ARC and I've been receiving threatening letters from Trevor Munn. Have made a token payment, but really don't know what to do now. Is there any mileage in challenging the CCA or would it be better to just carry on making token payments and hope they go away/get bored?

Share this post


Link to post
Share on other sites

Hi King

 

Subbing.

 

After Reading your thread our financial circumstances seem the same!

 

Vicky

xxx

 

PS- you're lucky. My CCA is enforeceable. Yours isn't.

Share this post


Link to post
Share on other sites

The latest on this is that ARC are collecting for Egg, and they've offered me a 40% discount. They are offering on behalf of Egg to mark the account partially settled and with a balance of nil and to not pursue me any further.

 

Just posting this an update for anyone who subbed, don't really need any advice on it.

 

Would be tempting if this were my only debt to borrow the money off my parents. As it currently stands I owe Egg 10k out of a total debt of 42k. I can't lay out nearly 6k and still have 36k debt left, would be better to go bust! However I think I'll bring forward my plan to write again to all creditors offering say 20%.

Share this post


Link to post
Share on other sites

I've settled this account with a very substantial discount so this thread can now be closed. 1 down, 5 to go!

Share this post


Link to post
Share on other sites

Hi King

 

I have just read your thread, and see that you replied only today.. great news! What did you agree in the end with Egg..? I'm interested as I have an Egg Card and Loan and am hoping to do the same as you!

Share this post


Link to post
Share on other sites

The amount you can hope to settle for is going to depend on all sorts of factors such as the age and size of the debt, your current income, how many DCAs it has to been to etc. I don't want to reveal the specific percentage I paid at this point but I will say it was well below 50%. If you need more help please start your own thread and post a link to it here :)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...