Ownership of your Egg Card account 4627XXXXXXXXNNNN has been transferred to Barclays Bank PLC. Dear MMM NNNNNNN As you may be aware, on 1 March 2011 we announced Egg credit cards were to be sold to Barclays Bank PLC. As a result of this, the ownership of your Egg Card account transferred to Barclays on 29 April 2011. The sale involves the assignment of all Egg Banking PLC's rights as the lender to Barclays Bank PLC, who have agreed to perform the obligations of Egg Banking PLC under the terms and conditions of your Egg Card Agreement. Barclays will manage your account through their credit card operation, Barclaycard. From 29 April 2011, references to 'we', 'us', 'our' and 'Egg' in your Egg Card conditions became references to Barclays Bank PLC and references to 'Group' will mean Barclays and each Barclays Affiliate including but not limited to Barclays Bank PLC and Barclaycard. If you have any other products with Egg, such as Egg Savings, Egg Insurance, Egg Mortgages or Egg Loans, they are not affected by this announcement and will continue to be provided by Egg Banking PLC. How you service your credit card account will not change immediately. Although you can't use your card, you'll continue to service your account online at http://www.egg.com in the usual way. Any Direct Debits you may have set up with Egg will be collected as usual, so there's no need for you to change anything. Should you need to contact us about your account, you can continue to do this by logging in to 'your accounts' at http://www.egg.com, clicking on the option to 'Contact us' then 'Send a message' and finally selecting 'Egg Card'. If you have any questions about the transfer please select 'Barclays transfer question' from the drop-down box. Things you need to know Now that Egg credit cards are part of Barclays Bank PLC, we want to take this opportunity to clearly set out for you what this means with regards to how Barclays Bank PLC may use your personal information. Barclays Bank PLC will continue to process your information in the ways already advised to you by Egg. You can view an information sheet from Barclaycard called 'how we use your information', which sets out in some detail how Barclays Bank PLC may use your personal information, as we feel that it is important to be transparent. how Barclaycard use your information > Where you have already indicated a preference not to receive marketing communications those preferences will continue to be observed by Barclays Bank PLC. You may of course let us know at anytime if you wish to update your marketing preferences. For more information, please see our frequently asked questions. frequently asked questions > If after reading them you have any further questions, please send us a secure message by logging in to 'your accounts' at http://www.egg.com, clicking on the option to 'Contact us' then 'Send a message' and finally selecting 'Egg Card'. All you have to do then is select 'Barclays transfer question' from the drop-down box. In the coming months, Barclaycard will get in touch to give you more information about the transfer of your account. Both Egg and Barclays are committed to ensuring the transfer of your credit card account to Barclaycard will continue as smoothly as possible. Yours sincerely Harald Schneider Head of Egg Credit Cards David Chan CEO Barclaycard Consumer Europe This private and confidential email has been sent to you by Egg. Egg Card refers to the Visa Egg Card. Egg Cards are issued by Barclays Bank PLC. Egg Banking PLC has transferred its ownership of its credit card accounts to Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority (Authorisation number 122702) and subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Barclays Bank PLC is registered in England with registered number 1026167 and has its registered office at 1 Churchill Place, London E14 5HP. Use of the "EGG" and "egg: card" trade marks by Barclays Bank PLC is under licence from Egg Banking PLC. This email is confidential and for use by the addressee only. If you are not the intended recipient of this email and have received it in error, please return the message to the sender by replying to it and then delete it from your mailbox. Internet emails are not necessarily secure. Egg does not accept responsibility for changes made to this message after it was sent. Whilst all reasonable care has been taken to avoid the transmission of viruses, it is the responsibility of the recipient to ensure that the onward transmission, opening or use of this message and any attachments will not adversely affect systems or data. No responsibility is accepted by Egg in this regard and the recipient should carry out such virus and other checks as they consider appropriate. Please don't reply to this message if you wish to contact Egg about any other matter, as we will not be able to respond to you. Instead please send us a secure message by logging in to your accounts at www.egg.com and selecting the option to 'View your messages or send us a message'. You'll find this on the 'Your money' page. At a glance This email is about Egg Card It was sent to you in May 2011 Sorry, we're unable to respond to replies to this email. How to send us a secure message Contact us securely via egg.com Log in to 'your accounts' and select the option to send a message.

Same email received here too. OH has an Egg card.

I also believe that if you are using the Post Office mail redirection service then they notify the CRAs with your new address, as will your bank if you've given the new address to them.

Did you say the Lloyds account is a business account? If so is it in the name of the business? They won't be able to offset from that account if it is, as a business is a separate legal entity. If it's in your own name (say as a self-employed person or sole-trader) then maybe they can.

I do my own DMP now as my income is like yours. I've set a minimum that each creditor gets, but if and when I can afford more they get a bit extra. You just need to calculate what that base amount is. I pay by online banking direct payment so that I have the flexibility to control the amount of each payment, rather than by fixed standing orders or a 'proper' managed plan.

Surely you misspelt 'faeces' as 'faces'?

I do like their letter! It's in YOUR interest to pay them... rather it's in THEIR interest that you sign an agreement to pay them.

One point to be careful of here - if it is a joint debt you must also get agreement that they will not pursue the other party for the remaining balance. OMWO.

It was on a DMP, but they had frozen interest before that when I was offering £1/month on each. I can't remember specifically requesting it, although this may have happened during a phone call in the early days before I learned to get everything in writing. The were right 'stards over the phone, insisting on talking over you, and complaining that I was being unreasonable and not listening if I tried to interrupt them! I had to put the phone down on one of the Blair Oliver Snot 'ladies'. They also 'appropriated' money from my current account to pay off some of the card balance when my Halifax mortgage was in arrears.

I've not paid a penny in interest (or had any added) in over three years on two CC debts totalling £21K with Halifax. They have now sold the debts on and I am paying £20/month in total under the same arrangements with the new owners. I will be CCAing them soon to see what they've actually got though.

I'd add to that - if any of the debts to be cleared are in more than one name, no other party will be pursued for the balance (unless it's and ex that you aren't on good terms with!).

And why are debtors their 'customers'? I've never bought anything off any of these sharks and I wouldn't have chosen to deal with them either!

Why only "a lot more compliant"? Why not "fully compliant" then?

State clearly in the CCA letter that you do not acknowledge any debt to them and also that the £1 payment is ONLY to be used for the purposes of the CCA request and not to be used for any other reason. Keep a copy of the letter and get a proof of posting or send registered.

Reminds me of the joke where the vicar hears a small boy calling for his cat. 'Trex, Trex, come here!'. The vicar says, 'That's an unusual name for a cat. Why's it called Trex?'. The little boy replies, 'When my Dad gets home from work he usually shouts "If it craps in my slippers once more, I'm going to kill that cooking fat!"'.

Thanks Shadow. OMWO

Thanks for the info - I was aware of the interest issue, but two of my CCJs have been pressuring for increases that I want to formally complain about along with the interest at the same time. Both are on instalment orders, and the one with the added interest keeps telling me that my payment isn't enough to cover the interest, let alone reducing the debt, so I should pay more. I want to know how to officially complain to put them back in their boxes.

Is there an official route to complain to the courts about being pressured to increase payments due under a CCJ, and the adding of interest to a CCA-related debt? It sounds like contempt of court or subverting justice or something similar, but I'm not sure whether to write to the court or fill in a form, etc.

Remove the Post Office barcode in the first scan - it gives away your postcode and house number.

Of course they do!

True, the call should always start with a mention of the costs - 'This call will cost £1.50 per minute from a BT landline. Calls from mobiles and other networks may be higher' or similar.

You only give the premium rate number to those that you want to avoid or charge more for calling you - the others you give them your direct number as usual. Do make sure that you withhold your number if you ever have to dial out to someone who you have given your premium rate number to, otherwise they'll have your direct number again!

I had an HSBC bank company pulling the same trick, and I responded with a letter stating that they had been happy to correspond with me at this address for some period of time in matters of a personal financial nature without verification. I also pointed out that the clock had started ticking when they received the original request. They supplied the SAR information as requested.

I also found with them that they wouldn't take less than £5 by debit card over the phone even if £1 was all you could afford. Got them sorted now and paying £1 by bank payment each month.

Sounds like time to form the CAG Debt Buyers Co-operative!