Jump to content


EGG is ignoring me!


bella_blot
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4959 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I had an EGG credit card and it had a full balance of around £3500 when my hours at work got cut and I ran into problems with ALL my creditors. Out of everyone, including bank loans, online shopping stores etc, EGG did not chase me for payments once I defaulted... so naturally I didnt pay, I managed to keep up with all other payments to other companies..... EGG didnt contact me at all!!! Now, a year later I get a default notice from EGG saying they want all the arrears payments and charges theyve added for non/late payments, which is almost £2000 or theyre taking me to court and selling my debt on.

I wrote to them, including copies of recent bank statements showing im well into my overdraft every month and copies of my payslips showing reduced hours and pay but still offered to pay £40 pm, explaining this was as reasonable an amount I could afford and maintain every month. I also asked them to freeze interest and charges.

They have ignored my letter and now sent a letter saying my agreement is terminated and I will hear from an external debt collection agency within 10 days.

 

What do I do now? Do I still write to EGG with copies of previous letter asking for a repayment agreement, so I wait for the other collection agency to get in touch and try to work something out with them??

 

HELP!!!!.

Link to post
Share on other sites

Attached is a pdf which will explain the requirements for default and termination notices.

 

They have to comply with a particular timescale, allow for postal service and be formatted in a particular way otherwise they are deemed as defective & if they terminate on the back of a defective DN it becomes unlawful rescission of contract. http://www.johnpughschambers.co.uk/Consumer%20Credit%20(Enforcement,%20Default%20and%20Termination%20Notices)%20Regulations%201983.pdf

Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983.pdf

Edited by cerberusalert
Link to post
Share on other sites

The DN says "letter sent to me on 17th August" and gives me until 14/09/10 to pay all arrears and overlimit amount. I wrote to them in good time for them to receive before 14/09/10.

The Termination notice says "sent to me on 14/09/10" stating I have "failed to satisfactorily comply with the terms of the DN"

Link to post
Share on other sites

Guest HeftyHippo

pay what you can afford. if they want to take it further theres not much you can do, but if theyre getting some payments they may be content to accept it or at least start discussions

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...