nataliejh123/Egg/ARC

[nataliejh123]

Hi All,

 

Just wondering if someone can point me in the right direction please.

 

I'd like to S.A.R Egg so i can claim back the charges on my account, it's in default at the min and i think there's probably a lot of charges so should make quite a dent in the balance.

 

I've had a look for the template letter but can't seem to find it, could someone please let me know where it is?

 

Many Thanks

[maroondevo52]

Hi,

 

You'll find one here.............

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-.html

 

Regards.

 

Scott.

[nataliejh123]

Hi All,

 

Just wondering if anyone could point me in the right direction.

 

I've sent an SAR request to Egg, not well over the 40 day limit and i've had no response.

 

The account is being collected by DLC and i've reduced their monthly payment to one i can afford - the pushed me into paying back more than i could afford before i found this site!

 

DLC are threatening me with court action even though i've sent repeated letters stating i'm disputing the charges with Egg. I'm not unwilling to pay, just unwilling to pay the charges as i know there must be a hefty amount making up the balance.

 

Just wondering if there's a letter i can send to Egg to chase up the SAR request, i gather they tend to drag their feet a bit in the hope you forget. I don't want to ring them as they just say i need to deal with DLC and there's no way i want to speak to them.

 

Any advice appreciated.

[silverfox1961]

Hi,

 

I think this is what you are looking for:

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/129-data-protection-act-non-compliance-template-letters-

[nataliejh123]

Thanks Silverfox,

 

Thats exactly what i need!

[nataliejh123]

Hi All,

 

I've got an outstanding debt with Egg that went into default in 08 and was passed onto DLC for collection.

 

Before i knew where i stood they bullied me into paying way more than i could afford each month. Thankfully i found this site and reduced the payments. They complained a bit but seemed happy enough to accept a smaller payment over none at all.

 

I've been paying the debt back for a year now apart from 3 months last year when the account was in dispute over excessive charges.

 

I've always been willing to pay back the debt and have always reponded to every letter thats been sent.

 

Lat week i recieved a letter from ARC Debt Management saying my account had been passed to them to collect as Egg have been unable to get anything from me! They've said i've got 10 days to make a substantial payment towards the balance and agree a repayment plan with them or they'll be taking me to court.

 

I don't really know where i stand with this one a i've been making payments and at no point have said i'm not paying it back. I don't want to call them as i know they'll just go all out with the threats so i start paying them.

 

Any advice would be much appreciated. Sorry its so long!!

[themagician]

Hi All,

 

I've got an outstanding debt with Egg that went into default in 08 and was passed onto DLC for collection.

 

Before i knew where i stood they bullied me into paying way more than i could afford each month. Thankfully i found this site and reduced the payments. They complained a bit but seemed happy enough to accept a smaller payment over none at all.

 

I've been paying the debt back for a year now apart from 3 months last year when the account was in dispute over excessive charges.

 

I've always been willing to pay back the debt and have always reponded to every letter thats been sent.

 

Lat week i recieved a letter from ARC Debt Management saying my account had been passed to them to collect as Egg have been unable to get anything from me! They've said i've got 10 days to make a substantial payment towards the balance and agree a repayment plan with them or they'll be taking me to court.

 

I don't really know where i stand with this one a i've been making payments and at no point have said i'm not paying it back. I don't want to call them as i know they'll just go all out with the threats so i start paying them.

 

Any advice would be much appreciated. Sorry its so long!!

thankyou but this letter is small compared to some,

now! your sustantial contribution now should be to cca the dca,they have 12 + 2 days to comply with this legal request ,never spk to them ever on the phone only communicate in writing,send cca with the £1 po fee and send it recorded delivery and do not ever sign anything to these leaches.

you dont have to agree any payment plan until when/if they can produce a valid cca.( threat of court just bully boy tactics if they could take you to court dont you think they would have by now!):-D

[nataliejh123]

Thanks themagicman.

 

I sent them a SAR i think and they sent me a letter back saying i needed to contact Egg about it and in the meantime their last threat still stood!

[Bazooka Boo]

Yes SAR are sent to the OC not the goons trying to collect.

So SAR EGG, and CCA ARC..

[themagician]

follow bazooka boo,s advice and you wont go far wrong,

they all threaton court action but very few ever materialise as they dont have the valid paper work for them,if they did they would already have taken you to court by know!.

[nataliejh123]

Thank you both for the advice.

 

I don't really want to go down the CCA route as i'm pretty sure its an enforcable agreement and also i'm willing to repay the debt i just don't want to be forced into more debt by making stupidly high repayments just to please the dca.

[neeny]

Hi Natalie, I've recently CCA'd Arc regarding an Egg credit card debt.

 

They'll play dumb, and try to convince you you have to contact egg for the original agreement, I got a couple of phone calls and was very rude to them, told them to read the letters properly and get back to me with the information I had requested IN WRITING.

 

The next step will be a letter saying they've been in touch with Egg and you haven't CCA'd them yet, and around the same time I got a letter from Trevor Munn solicitors threatening court in 10 days. Then another one threatening court in 7 days.

 

The 30 days had passed on the 1st Jan so I sent them the 'account in dispute' letter and haven't heard anything since.

 

Good luck with them, although you won't need it.

Search 'arc' and 'trevor munn' on here, and don't worry:)

[nataliejh123]

Hi all,

 

I previously posted in the debt collection forum but thought it might be worthwhile doing a post here too.

 

Basically i have an outstanding Egg card debt that has been passed to DLC and now onto ARC for collection.

 

I was making payments to DLC and only stopped when i disputed the charges on the account. At first DLC forced me to pay more than i could afford as i didn't know i had a choice. I susspect they've passed the account on as i reduced the monthly payments.

 

ARC sent me a letter saying i need to make a substantial payment and set up a repayment plan with them.

 

 

I don't want to cca them as i can't deal with the stress right now and just want to get something sorted so i can forget about it for a while.

 

Just wondering if anyone could help me put a template letter together saying that i'm willing to pay but can only afford xx amount etc.

 

I'm hoping to get this sorted asap as i understand the next lot of letters will be from Trevor Munn saying it'll be going to court.

 

Hope all that makes some sense.

 

Thanks in advance

Edited January 27, 2010 by nataliejh123

[dx100uk]

i think we need to get all your various threads on this debt merged as its diff to know what has/has not been done/advised before.

 

if this debt is being passed around, then you need to CCa them regardless.

 

dx

[Mistermind]

Hi Natalie,

 

The key to agreeing on a realistic payment plans is the Income and Expenditure list, a profound nuisance and intrusion. However for sure DCAs will insist on this, as they are under the whip from above to collect as much as possible. It need not be written on a form provided by the DCA, just an informal list to assure the other side you are not sitting on a golden egg and witholding payment while you quaff champagne.

 

They may aim for the best outcome imaginable, but when shown the realities they will grudgingly accept the best available.

 

Best of luck to yourself and the next generation.

[dx100uk]

pers, i would never tell anyone let alone a DCA your per financial details.

 

only a court can demand that.

 

dx

[MARTIN3030]

4 threads merged and thread retitle.

Please keep your Arc/Egg stuff together-it makes help and others trying to follow, much easier.

[dx100uk]

thats better.

now it appears you CCA'ed EGG before and got nothing back....correct?

 

if this is so, then you are under no legal obligation to pay anyone ANYTHING, till a CCA is produced.

 

fire off the account in dispute/non compliance letter, thus putting the A/C in dispute and stop payments.

 

dx

[nataliejh123]

Thanks for merging these for me, wasn't sure if i could do that or not.

 

dx100uk, i didn't CCA them, i did send a S.A.R though to claim back the charges which they replied to.

 

I know i should be sending a CCA request but i'm reluctant to open that can of worms at the minute. After reading some of the other threads it seems that a lot are enforcable and i don't want the stress of trying to argue it out with them when i've got a new baby.

 

ARC keep stressing that the clock is ticking and no matter what i ask of Egg they'll still be chasing me.

 

I just want to try and get it under control before i have any more on my plate! I'd like to avoid an income/expenditure if i can as i want as little to do with the dca as possible. I know its likely they'll force the issue though and say they need one before i can set up a payment plan.

[Mistermind]

 

ARC sent me a letter saying i need to make a substantial payment and set up a repayment plan with them.

 

I'm happy to make a payment plan and set up a monthly payment to them but only the amount i can afford not what they demand. I'm due to have a baby in 6 weeks time and am not working so as far as the payment is concerned its a take it or leave it.

 

I don't want to cca them as i can't deal with the stress right now and just want to get something sorted so i can forget about it for a while.

 

Just wondering if anyone could help me put a template letter together saying that i'm willing to pay but can only afford xx amount etc.

 

 

 

Dear Inhumane DCA,

 

I have always been willing to make monthly payments to Egg, and I stopped monthly payments last June only because of awaiting settlement of my Penalty Charges Reclaim from Egg.

 

If you look back on my file I previously responded to every single letter from Egg. I remain willing to make monthly payments at an agreed level.

 

I am approaching maternity in 6 weeks. My baby is my first priority and I really cannot cope with the stress and drama of wrestling with debt collectors uttering dire threats. Currently I do not have earned income, and all I can afford per month is £x, unless you wish me to stop eating. If you must overstress me at this critical time by demanding an I & E list then say so.

 

If you choose to demand a monthly payment above £X -- that will not be possible, and you have nothing to gain. I have made clear the reasons why I cannot take stress right now, so if you continue with harassment I shall personally appeal to John Fingleton, CEO at the OFT, your licensor.

 

Yours sincerely,

 

Natalie

 

 

PS. The penalty charges reclaim initiative, has that been settled and repaid?

 

If not, that campaign is a whole lot easier than CCA and enforceability tussle, with 115 victories to 1 defeat. It involves just an exchange of letters, at worst three, because Egg does not want the alternative of going to court. Perhaps when you are better able to face it, to take up the cudgels again.

 

V-E Day: Victory over Egg 5)

Edited January 18, 2010 by Mistermind
typo

[Mr Worried]

Thanks for merging these for me, wasn't sure if i could do that or not.

 

dx100uk, i didn't CCA them, i did send a S.A.R though to claim back the charges which they replied to.

 

I know i should be sending a CCA request but i'm reluctant to open that can of worms at the minute. After reading some of the other threads it seems that a lot are enforcable and i don't want the stress of trying to argue it out with them when i've got a new baby.

 

ARC keep stressing that the clock is ticking and no matter what i ask of Egg they'll still be chasing me.

 

I just want to try and get it under control before i have any more on my plate! I'd like to avoid an income/expenditure if i can as i want as little to do with the dca as possible. I know its likely they'll force the issue though and say they need one before i can set up a payment plan.

 

HI Nat and the baby

 

Dont be afraid of the cca, as it does not effect your rights, and you may even find yourself in a better financial position. dont do the I and E, tell them what you can afford and stick to it, however I would pursue the cca for now.

 

Cheers

 

Mr W

[Mr Worried]

Dear Inhumane DCA,

 

I have always been willing to make monthly payments to Egg, and I stopped monthly payments last June only because of awaiting settlement of my Penalty Charges Reclaim from Egg.

 

If you look back on my file I previously responded to every single letter from Egg. I remain willing to make monthly payments at an agreed level.

 

I am approaching maternity in 6 weeks. My baby is my first priority and I really cannot cope with the stress and drama of wrestling with debt collectors uttering dire threats. Currently I do not have earned income, and all I can afford per month is £x, unless you wish me to stop eating. If you must overstress me at this critical time by demanding an I & E list then say so.

 

If you choose to demand a monthly payment above £X -- that will not be possible, and you have nothing to gain. I have made clear the reasons why I cannot take stress right now, so If you continue with harassment I shall personally appeal to John Fingleton, CEO at the OFT, your licensor.

 

Yours sincerely,

 

Natalie [/quot

 

Well Said Mister

[nataliejh123]

Thank you everyone, again such a big help.

 

I shall be firing off a letter tomorrow.

[nataliejh123]

Well as i thought ARC have rejected my payment offer and have said they/their clients require an income and expenditure from me.

 

Am i right in thinking that the only people i'd have to provide this to are the courts?

 

Even if i do provide one it doesn't mean i'll be able or willing to pay any more per month than i've already offered.

 

They've said i've got 14 days to send the info or they'll instruct their solicitors who i believe are Trevor Munn. Does anyone know if they ever take anyone to court? I've seen threads where they've made threats but no idea if they ever take it further.

 

Thanks

[inaright2n8]

Hi,

 

Is it ok to add my EGG/DLC situation to this thead?

 

My position is that i have just sent cca letter to EGG, and DLC are calling to try and arrange payments - what do i tell DLC?

 

Secondly - should i also SAR EGG ?

 

Many thanks