Thanks for the prompt answers!! I used the credit note today so I could get out of there! I left feeling somewhat humiliated. I have just contacted their customer relations department so I guess I'll have to wait and see what they say. Thanks for your help.

Hello all, On the 28th Feb 09 (3 days ago) I bought an XBox 360 game from one of the Guildford stores of GAME. When I took it home I tried it and the machine told me it was unreadable. This morning I took it back and asked for a refund. I was told that it was a preowned disc and was therefore not entitled to a refund. I explained that I was under the impression that the disc was new, as I had picked it up from the "new section" and it was still in its wrapper and did not have a "pre-owned" sticker on it. I asked why I was not entitled to a refund and the manager said "because how can you prove to me that you didn't scratch the disc?" Obviously I have no way of proving this other than the fact that I don't generally buy things just to damage them and return them!! In the end they gave me a crfedit note but I told them I wasn't happy as I didn't want to give my business to these people. Should I of been entitled to a refund here?

Underdog, Firstly I want to say thank you. Egg did indeed reply in writing admitting their mistake and also via the telephone. I have never had such an awful weekend though! It's good to know that there are people out there who are willing to help. So, again, thank you. I am in the process of closing my egg account but I'd like to ask you for further advice if i may? I informed egg that I will be making a formal complaint but do you honestly think they'll compensate me? If so, how on Earth do I go about it? Steve.

Underdog, Thank you very much for such a quick reply. To be honest I think I'll be worrying until this matter is over. I sent a letter off this morning by registered mail outlining everything you have said, though I must admit I didn't include anything about compensation. My fear is that somewhere in Eggs billions of points in their T&C's that they'll make this stick. I've just told my wife that I may have a default going on to my file for the next 6 years. I feel like I've just been given a criminal record for a very nasty crime. The only difference is that if that were the case then I'd probably still be given a mortgage easier than I will be with a default notice.

I got home from work today to find a letter telling me that because I'd failed to abide by their terms in the original default notice that my account had been passed to a debt collection agency, and that a default would be registered. I've just finished writing a letter stating that I payed the arrears immediately (15 days before the date deadline I was given) and I have the email stating that nothing further would happen. Egg wouldn't deal with me on the phone - simply kept passing me on to the debt agency. I honestly dont know what to do.

Thanks for your reply - I've never had such a sleepless night. The thought of not being able to get a mortgage over a £59 payment is awful.

Hello all, This is the first time I have used this forum and I'm hoping that I'll get some help. I recently changed a direct debit date on my bank account for my Egg Credit Card. In doing so the original DD was cancelled. After a trip away to Germany I returned home to find letters from Egg including one stating it was a default notice. It went on to state that I had 28 days to remedy the account. I phoned first thing this morning and explained to the lady what had happened and made a payment there and then to cover the 2 missed payments. I asked if there was any way the DN could be removed of my file and she was so unhelpful - constantly telling me it was not possible. I then asked her what the letter referred to when stating that if the payment was made in 28 days further action would not be taken. She then told me that if the payment clears it would not go to file. I later recieved this email : Dear Mr Following on from the conversation you had with my colleague earlier today, I understand that you requested an explanation of the default procedure. The default notice that you were sent out explains everything you need to know about the default procedure, including the timescales for bringing the account up to date and the consequences of not doing this. I can see that you have made a payment today to bring the account up to date, so providing this clears, then the default notice will not be registered on your credit file. Regards I am normally an intelligent guy but I am suffering absolute panic. Will this in anyway affect my credit history? I apologise if this seems a silly question or if it is in the wrong area of this forum.