Egg 1 CC & 1 Loan

[Popeye]

Hi all

 

Just starting a new thread for what I suspect may be a bit of a battle with EGG/Moorcroft. Currently on an exorbitant payment plan so sent off SAR - around 6 months later I've finally got a reply. Loan agreement is a microfiche copy onto their paper. This was a top up loan, and it seems they've added PPI (didn't want it, or ask for it).

 

I'm thinking of going down the 'approved limit', multiple agreement etc etc route with my letter to them. But I'm not sur eof we are still using the multiple agreement argument in view of the SSPL v waker thing (apologies if I've got the wrong end of the stick !)

 

And...I've seen references to asking for the PPI back and getting the agreement written off, but I can't find any specific letters that seem to fit this scenario. As i'm already in arrears on both accounts, any refund will be swallowed up by the potential 'off set' - so although it would be great just to get the debt reduced, if theres anyway of getting a double whammy on EGG I'd like to try it.

 

Any advice would be appreciated as always.

 

Popeye

[BSC]

I've got a similar scenario

 

PPI added without asking. I've been on a DMP for two years now and decided to take it back from CCCS as look after it myself. Egg sent a statement (for the first times since the DMP) and when I phoned to tell them about the PPI they agreed to a refund there and then without any quibbles.

 

They tried to insist that I went through a debt review there and then as well before I could continue paying the same amount as I had through CCCS. I refused until the PPI had been refunded and I had a letter to confirm this with a new balance.

 

At this point the agent at Egg got very stroppy and told me I could see the debt going to a DCA (go on then!) and damaging my credit record (again go on then - already on DMP and account defaulted 2 years ago). When I explained that I was still willing to pay the agreed amount until I had this letter she tried to explain that she had told me it was sorted and that was good enough. I stopped her in her tracks and said it was not good enough and until it was resolved I considered the acount in dispute and therefore it could not be passed to a DCA whether she liked it or not. Cue more grumbling and me again telling her I did not need to listen to what she had to say as I didn't care and it would not change my position.

 

Lo and behold the account number and sort code appear and she cant get off the phone quick enough.

 

Now I intend to make things very awkward for Egg. First PPI refund and then I'll question the validity of the agreement.

 

I would have happily carried on as agreed if she hadn't been so downright rude. Now it's game on!!!

 

 

Good luck Popeye

[Popeye]

Hi BSC

 

Seems very similar - I've been paying this off to a much greater degree than I can actually afford. But I'm getting sick of their constant demands for even more cash so I've finally decided to try and fight back.

 

Good luck to you too BSC

 

x

[MandM]

Hi BSC

 

Seems very similar - I've been paying this off to a much greater degree than I can actually afford. But I'm getting sick of their constant demands for even more cash so I've finally decided to try and fight back.

 

Good luck to you too BSC

 

x

 

YOU should be producing your own I & E and YOU should be telling them what you can afford to pay. Don't let them tell you what they think you can afford to pay (rant over :D:D)

 

Have you completed I&E forms out of interest or just agreed payment plans following discussions with these muppets?

 

M

[MandM]

Now it's game on!!!

 

 

Good luck Popeye

 

Egg really deserve what they get - a horrible bunch. Out of interest, how old was your card with them?

 

M

[Popeye]

Hi M & M

 

Sorry for the delayed reply - very tempramental internet access!

 

Card was taken out in 2002 and the top up loan in 2004. The card 'agreement' is the same as most of those posted on the ot a site and has all the faults PT has identified as being potential problems for egg. When I took out the top up loan they insisted I also has PPI - and again there are the usual problems with the loan documents.

 

I've never completed any income & expenditure forms, just gone along with a payment agreement in order to try and get things paid off . I've got a reasonable day job and have taken on a night job to try and resolve all these issues. Everytime I ring Morrcroft to make a payment we have to go through the same crap about can I make an increased payment, how my current payments aren't acceptable etc etc and I'm just sick of it.

 

I was waiting for the outcome of PTs 'test' cases - but I've decided to sent them the letters now just to get them off my back for a bit.

 

Rant over - thanks for taking the time to reply !

 

Popeye

[MandM]

Hi Popeye,

 

The amount you pay is up to you, what ever you can afford should be split between your creditors on a pro-rota basis. There is a personal budget sheet that you can use here.

National Debtline England & Wales | Personal Budget Sheet

 

You could send them a copy of the budget sheet if you wish but you dont have to. You decide what you want to pay and pay it if they agree or not. Also dont pay by DD or give them a debit card payment set up a standing order.

 

You can fiddle around with it and work out what you can reasonably afford to pay. It gives clear suggestions on priority debts etc which come first. You can make your offer of payment based on what's left.

 

Hope this helps.

 

M