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Master Chief

Egg Loan details correct?

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Hi All,

 

 I have discovered a issue with an Egg loan that I've been paying off since forever and I think they have stuffed me on the starting balance.

 

Getting to the point of my post, I took an Egg loan for £4000 in February 2001, paid it for 7 months before becoming unemployed and defaulting on the loan.

Much happened at this time and I ended up moving a lot as well as being technically homeless.

 

I finally got settled and entered into an IVA with Eversheds for £5.00 per month in June 2005 and have since been making payments.

 

My issue is that having paid over £2,900 the balance is still in the region of £3,147.86!

 

I DSAR'd Egg back in 2011 and have the information in the attached PDF.

According, to their own information they defaulted me 29/04/02 when the balance was £3,697.39 and marked non-acrr.

The balance remained the same, or at least no changes shown until 20/11/02 when a £60 "Waive Fee" and £226.04 "Bad Debt Charge Off" fee increasing the balance to £3,983.43

 

Next change is when the loan account is sold to Arrow and the balance becomes £4,859.43!

 

Opinions and advice very welcome!

 

 

 

EggLoan.pdf


The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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thread retitled and moved to the EGG forum

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Accounts currently being merged to Master Chief 

 

The balance owing is  £3,697.39  less £2,900 payments.......no such terms as a £60 "Waive Fee" and £226.04 "Bad Debt Charge Off" and a DCA cant add a penny.


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Hi

 

Have you received any monthly statements for this account?

 

Dont worry its very unlikely they would be able to enforce anything.

 

I mean any more statements, they cant charge any more interest if they have not. CCA 77a?

 

What happened to the IVA? Are you now on a DMP

  • Like 1

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Send them a cca request.

Dx

  • Like 1

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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@Peterbard

 

There are some statements I'm sure, what's the relevance?

 

I say an IVA, I just agreed to pay them £5 per month to start which has increased along the way. All can be seen in the linked PDF posted earlier.


The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi @dx100uk, I thought the CCA was page 1 & 2 in the linked doc, provided to me by Egg as part of the DSAR.

 

May I ask why a CCA request is the way forward to challenge the balance?

 

thanks.


The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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if arrows don't have an enforceable agreement..

keep what egg provided years ago to yourself

 

thread tidied

 

as andyorch says..your balance is about £700 if that's even true

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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9 hours ago, Master Chief said:

@Peterbard

 

There are some statements I'm sure, what's the relevance?

 

I say an IVA, I just agreed to pay them £5 per month to start which has increased along the way. All can be seen in the linked PDF posted earlier.

If it was an IVA it would have effected your property. Easy to get in not so to get out, whereas an agreed arrangement you can just walk away


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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9 hours ago, Master Chief said:

Hi @dx100uk, I thought the CCA was page 1 & 2 in the linked doc, provided to me by Egg as part of the DSAR.

 

May I ask why a CCA request is the way forward to challenge the balance?

 

thanks.

Yes it seems to be. These were challenged in  appeals some years ago, because the term for Total Credit read "Limit" or some other . There were also other prescribed term issues, sadly it failed, and I dont think they have been challenged since.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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@dx100uk @Peterbard

 

Thanks for your advice chaps, much obliged. I will CCA Arrow and see what they come back with.

 

Cheers


The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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