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EGG Problems


Keith W
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Hi All,

 

I am having problems with EGG and closing down my account with them.

 

Some time ago I became ill and unable to work and asked EGG to make my credit card a repayment only one, which they duly did.

 

Because money was very tight being unemployed I was unable to make payments to them until recently when I paid off the whole amount owing, £714.67 in total, bringing my EGG account to a zero balance.

 

I then rang them and asked then to close my account down completely they said this would not be a problem and they would send me a secure message to confirm this.

 

I received this secure message today and it asked me to call them again which I duly did.

 

The woman I spoke to said they could not close the account down as they had sold the debt to Lowells and that I would have to write to Lowells to have the account closed down!??.

 

I questioned this and said I had received no official notification from EGG that they had sold the debt and she replied that they did not have to do that.

 

I also said I had received no contact from Lowells about this either and she said that was not EGG's problem.

 

I then said if they had sold the debt on then why had they taken payment in full from me, she had no answer to this.

 

I told her that as far as I am concerned my debt was with EGG as I had not received any official letter that the debt had been sold on and that they should contact Lowells and tell then this and close my account down, she refused point blank to do this and insisted that I must contact Lowells??

 

Am I right in thinking that my debt remains with EGG, bearing in mind that they accepted payment in full form me and that I have received no official notification from them that they had sold the debt on?

 

Am I right in thinking that I should not have to communicate with Lowells, especially as I have not heard anything from them with regard to this?

 

So my question is essentialy where do I stand with this?

 

Thanks in advance for any assistance with this matter.

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if they sold it no. they have closed it down and no longer have any involvement.

 

demand your money back,

 

and keep away from lowells.

 

they would have brought it for peanuts so DON'T pay them anythingtill you CCA them etc etc.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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That just it though

 

I have received no communication from EGG to say they have sold the debt on

 

I have received no communications from Lowell's with reference to this.

 

I owed the money and have no problem in paying the debt off incidentally, as far as I was aware my debt was with EGG so I paid off the amount owing to EGG.

 

It is now that I want EGG to close my account down that this whole other can or worms has opened up.

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so how do you know what to pay?

when was the last statement?

and if no-one was chasing yo, why did you do it without checking first.....uttter madness, but i'd have done the same

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so how do you know what to pay?

when was the last statement?

and if no-one was chasing yo, why did you do it without checking first.....uttter madness, but i'd have done the same

 

dx

 

I am not sure I understand what you are saying or that you understand the situation here, sorry

 

I had a credit card with EGG

 

EGG do all there dealings with you via an online account which I obviously have access to hence how I know how much I owed them.

 

When I lost my job I asked them to make my credit card repayment only, which they did.

 

I then struggled to make payments to them for a while due to being unemployed.

 

Now I am in a better position financially I logged into my online EGG account and paid off the balance owing.

 

After this I then rang them to cancel my account with them as I no longer wanted the EGG credit card, which they said they would do.

 

I then got a message from them today asking that I call them with regard to my account closure, it is at this point all the crap about Lowells started as I have outlined above in my previous posts.

 

Up until this day as far as I was concerned I was a simple EGG customer who had missed a few payments but had now paid off there account and wanted to close down there EGG credit card account.

 

There had been no mention of Lowells or the account being sold to them until I tried to close down my EGG account.

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no thats ok keith, just wanted to understand what happened.

 

for egg to have SOLD the debt, they and 1st credit MUST have sent you various letters, and NOT secure messages, so something smells here, badly.

 

i'd demand the money back.

 

now, it might help you to have a look in the EGG forum, don't think there has been anyone that has had that happen to them [bar me!!-well sort of]

but it might give you good background info.

 

if you want, i could get this thread moved there, then you might get a few of the EGG-CRACKERS helping too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks

 

I had no idea there was a specific forum for EGG issues or I would have posted this there, if you wouldn't mind I would appreciate it if you could have this moved there, oh and please could you provide a link to the EGG forum?

 

****EDIT****

 

I have found the EGG forum, I think I will leave my thread here for now if that is OK, I can always ask a MOD at a later date to move it if needs be

 

****END EDIT****

 

I have never had a letter from EGG about my account being sold onto Lowell's and I have had no contact whatsoever from Lowell's about this.

 

The only secure messages I have had from EGG have been about missed payments and the secure message I had today asking that I contact them via phone about my recent request to close my EGG account.

 

When I contacted them as requested it was then, and only then, that any mention of Lowell's was made

Edited by Keith W
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then i would def demand your money back

they have stated they have sold the debt, so have no further legal involvement in it.

 

this smacks of fraud.

 

i'm going to alert on this thread and get the site team to get someone onboard with better knowledge on these things

i typically act as a firefighter here, standby the specialists are coming.

 

dx

Edited by dx100uk
more

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The thing is I do not know who to believe at EGG

 

When I first asked to have my account closed I was told no problem, then I was told by the second person today that they can not close the account because the debt had been sold to Lowell's

 

If the debt had been sold to Lowell's then why is my account still active and usable on the EGG website? Surely if they had sold the debt there would be no point in them keeping it or allowing me access to it?

 

How can I find out what information EGG has on me with regards to my account with them? Specifically information with regards to them selling the debt on?

 

Also are EGG not legally bound to notify me that they have sold the account on?

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Report acknowledged DX thanks.

We have to remember that Citi financial took over Egg.

Citi Financial are probably .....erm I better not say anything -even admin can get cagbotted.

Its late now but wil respond tomorrow.;)

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.

 

 

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The thing is I do not know who to believe at EGG

 

When I first asked to have my account closed I was told no problem, then I was told by the second person today that they can not close the account because the debt had been sold to Lowell's

 

If the debt had been sold to Lowell's then why is my account still active and usable on the EGG website? Surely if they had sold the debt there would be no point in them keeping it or allowing me access to it?

 

How can I find out what information EGG has on me with regards to my account with them? Specifically information with regards to them selling the debt on?

 

Also are EGG not legally bound to notify me that they have sold the account on?

 

you need to SAR them keith.

 

use the search in the blue bar above for SAR

or look on the homepage or the FAQ section for the docs and info.

 

keep us posted.

 

martin-thanks.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Guest HeftyHippo

yes, its late but a few quick thoughts.

 

if the debt has been sold, its probably for peanuts. so, that leaves you in a position to offer a full and final settlement to whoever bought it for much less than what yu paid Egg. (sounds good?)

 

now, if they sold the debt, they have already closed the account. the account cannot be open after they have sold it, because any new spending you did would be the buyers liability not Eggs. (I know your account was pay-into only). so theres something not right with what youve been told.

 

The other thing is that by accepting your payment they could be classed as acting as though the account was still open. as you paid electronically, they could've returned the money straight away. In fact, if the account was closed, that wouldve happened automatically and been in your account 3 days after it arrived at theirs - 6 working days after you sent it.

 

accounting procedures would require your account to be given a nil balance and the debit balance written off to a bad debts ledger, and the account closed, so again its fishy

 

if they did not tell you the account was sold, then once you pay, youve paid, and the buyer must collect the money from them. That puts the risk on the buyer if the seller does not pass it on. After they tell you, if you pay the seller (egg) it doesn't count and you still have to pay the buyer because there is no longer any debt with the seller. essentially, if you pay the seller after being told about the sale, then you've made a gift to them, and you have to get it back.

 

Did they issue a Default Notice at any time? If they didn't, and then they sold the debt, ie closed the account, they have breached a requirement of the CCA, and essentially, breached the agreement with you such that they cannot claim the debt from you, only the arrears. Its called unlawful rescission frequently on this site. have a read. To take advantage of this, you need to accept the closure of the account, otherwise it can be said that you wanted the agreement to continue.

 

What do you want to do? youve paid the money so you want Egg to close the account? or,

 

you want to see if you can settle the debt for less than you paid?

 

if the former, get on the phone, and speak to a supervisor

 

if the latter, write nicely, saying you've been told the account has been sold to Lowells, but only after youd paid money in. say under the circumstances, you accept they have closed the account and require them to immediately return the money to you so you can discuss arranegments with the buyer. then sit and pray that they do return the money.

 

if they do, you then need advice on what follows which will mean informing them that they broke the agreement and the provisions of the CCA and that the debt is wiped out save for the arrears. you then wait to be contacted by the buyer where you tell them they bought a worthless account.

 

you may want to think about which option you prefer and I suggest you look at the antics that Lowell get up to to help you make up your mind.

 

To my mind, its possible for Egg to accept your money and pass it to Lowells who will be overjoyed as they typically buy them for 6-15% of their 'value', in your case, say £70. So to get £700+ for a £70 debt and not have to actually threaten anyone......

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Hi HeftyHippo,

 

Thanks for your reply, I found it slightly hard to follow but I am hoping I got the gist of it

 

Egg have not issued me with a default notice or given and other indication that the account had been sold on.

 

What I want to happen is for Egg to close the account as I have paid the money owed.

 

I had already spoken to someone at Egg yesterday, who claimed they were a manager, but got nowhere hence my post here.

 

I have had no contact from Lowell's and I do not wish to have any contact with them

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Guest HeftyHippo

so, if youre not bothered about getting a settlement for less, write to Egg, tell them that you have cleared the balance and want the account closed. Take it from there.

 

I've explained the situation above that they haven't actually closed the account if it shows as active on the webpage, and if you can order statements etc through the site as if it was open. If it isn't closed, they shouldn't have sold the debt.

 

At the end of the day, all Egg has to do is sort out their admin, close the account and pass the money to Lowells. They should be an agreement between them that any money credited to the account is passed to Lowells eg, if a refund is paid into the account.

 

I suspect they've botched things up and the problem is theyve sold the debt for peanuts (£50) and now have the balance put in front of them - how embarrassing to have to put that in the accounts.

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