Advice on my Egg card Agreement and what to do next

[musicronny]

Hi,

 

I was looking for some advice on what to do with my Egg card. The agreement can be found by clicking the link below.

 

Due to my lack of income my current status with this card is that Ive been on a payment plan for 6 months with them.

 

 

This ended 2 months ago and since then Ive paid token payments totalling £26.

 

They are hounding me now wanting payment, which I just havent got so what do I do?

 

I know there's a case going through regarding Egg and this 'approved limit' statement

but is there anything I can send them in the meantime?

 

 

All advice would be greatly received.

 

Regards

 

Egg CCA pictures by musicronny - Photobucket

[42man]

You might like to have a read through this thread - it is long but certainly of interest - http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html

[musicronny]

Thanks for the pointer 42man, Ive just started to read it.

 

I have had 12 calls of Egg today starting at 8.10am until just now.

 

2 weeks ago I had agreed to contact them at the end of July with an update of how my finances were.

 

 

when I just spoke with them they started acting dumb as if that information wasn't on the system.

 

 

the call was terminated when I told them what I thought of their tactics.

 

whilst im going through PTs thread,

 

 

any pointers to any letters I can send them regards the enforceability of my agreemnent would be greatly appreciated.

[musicronny]

Hi,

 

I defaulted on a Barclaycard (originally egg) account in 2010.

 

 

I am on a DMP and and they have been getting their cut since early 2011.

 

The Egg card was taken out in 2000 and transferred over to Barclaycard in 2010 around the time i got into financial difficulty.

 

I have sent a CCA request to Barclaycard and had the reply below. Question is, is it enforceable or not?

 

http://s840.photobucket.com/albums/zz328/musicronny/Egg%20CCA/

 

Thanks in advance.

[dx100uk]

old & new threads merged

 

 

dx

[Bandit127]

Who is chasing you for this? It can't be Egg obviously.

 

 

I think it must be a bottom feeder DCA.

 

 

None of the established DCAs would dare phone 12 times in a day.

 

 

(Sorry but I couldn't get Photobucket to load the pics on my mobile so can't see from that).

 

You should include the requirement for all communincation to be in writing only in your next letter.

 

Hopefully good advice will follow on what else to put in that letter.

[musicronny]

Hi Bandit127,

 

The first 3 posts are from my original thread started in 2010. This was shortly before I defaulted and went onto my DMP. I'm revisiting this as I cant see any light at the end of the tunnel with my debt amount. Thus seeing what are unenforceable.

[musicronny]

old & new threads merged

 

 

dx

 

Thanks dx100uk

[SabreSheep]

OK rule #1

 

Stay off the phone. Send a letter recorded delivery (Keep the delivery recept and proof of postage) and demand that they cease all contact to you over the phone and to communicate to you in writing only. Use the telephone harassment letter from the CAG library

 

Start lookign at reclaiming overlimit fees and late payment fees PLUS interest in restitution. This may make a big hole in whats owed and may even wipe the debt out completly

[musicronny]

Hi, Just wondered if anyone thought this account was unenforceable. CCA link in post #4.

 

Cheers

[Bandit127]

OK, I got photobucket working. Not sure if they complied with the requirement for the original T&Cs on that but it looks compliant otherwise.

 

Who is chasing this now? I would send them a new request. You can actually send them a request a month (not that you would, but it is technically possible).

[musicronny]

OK, I got photobucket working. Not sure if they complied with the requirement for the original T&Cs on that but it looks compliant otherwise.

 

Who is chasing this now? I would send them a new request. You can actually send them a request a month (not that you would, but it is technically possible).

 

Hi, and thanks.

 

No-ones chasing it at the moment, its on my DMP with payplan. Was just seeing what my options are with each of my defaulted debts.

[Bandit127]

Who are Payplan actually paying for this? Surely not egg?

 

What does your credit file say about who owns this debt?

[musicronny]

Barclaycard took over this debt around 2011. Sure Egg credit card business was sold to barclaycard at that time.

 

My payment for this debt is going to barclaycard

[Bandit127]

Ok. 2 things for you to do then.

 

1. Check your credit file for this account is accurate. To make sure the money you are paying off your account is accurate. (It might have dropped off by now though).

2. CCA Barclaycard. I know you have Egg's reply from 2010 but it has been transferred since and you need to know that your paperwork went with it. Include the requirement for a statement of account.

[dx100uk]

pers I'd sar Canadian square

 

 

dx