Hi i am hoping someone can help or at least point me in the right direction. Back in 2008-09 i went through a really difficult period, i was laid off work due to sickness and my relationship ended so with various bills an no income i found myself in a mess. I contacted all my debtors to arrange a payment plan but egg credit card weren't interested in letting me pay what i could afford, i managed to pay token amounts but then i couldn't keep up with this, they defaulted the account, then i didn't hear anything until i received a letter from Bryan Carter, they asked me to pay a chunk of the debt to stop it going to court, i wasn't in a position to do this so they sent the forms and i made an offer to pay of £20 month, being naive at this time i didn't actually realise the conseqence of what was about to happen, ie a CCJ being registered. ....so annoying as i would have asked my parents for help had i known. i have been paying £20 month since the CCJ was registered 22/7/09 until June this year, i rang BC to change the payment date an they informed me the debt was no longer with them and that i would hear from Westcot in due course. No contact until 12.9.13 with the headline 'failure to make payment' saying despite their letter of 28th August i have failed to make a payment or enter into an agreed plan, unless i contact them urgently to make a payment or to establish a regular repayment plan they will have no option but to recover the debt, this will be either: Legal action through the court and judgement obtained against me (haven't they already done this)? Refer the debt to a door stop collections agency. what i want to know is it worth me asking for a full statement of the account before it was taken to court, after reading these forums i am sure there will be charges that were applied that i could possibly claim back!? What will happen in 2 years (when the CCJ falls off credit report) i am sure unless i find myself with a windfall i will still be paying this debt, i don't have a problem paying what i owe when they are genuine charges. I also have 2 other debts that are still not resolved that are with HSBC so hoping some kind person may advise me on these also. Thank you for taking the time to read, any constructive advice is very welcome

Hi there, Have recently been receiving letters from Marlin regarding a Barclays credit card debt, now I'm assuming this is regarding an Egg card that I had and was subsequently sold on to Barclays, I had completely forgotten about this debt and the contact from Marlin came somewhat out of the blue. The debt has obviously been sold to Marlin as my credit file shows the Barclays account to be satisfied, I have paid Marlin a nominal amount to try and keep them quiet and deflect the danger of CCJ but they still persist in sending letters and are constantly telephoning me. I'm thinking that I will send them a prove it letter as the account number they had in the letter introducing themselves meant nothing to me and did not tally with the original Egg account, should I also send a CCA to Canada Square Operations? Obviously I'm not answering calls apart from when I suggested that all contact with me should be via letters. Anything else I should be doing.

Hi, I have read through the other Egg/Barclaycard threads and did not know whether to jump in on another or make my own. Last thing I want to do is hijack someone else's thread, although there are some great stories here. So hopefully someone can give me some help. I have recently sent a CCA letter from the templates section on the site to Barclaycard who are hounding me for payment on a credit card. Original account was with Egg in 2009, which was then taken over by Barclaycard. I have had Barclaycard and Mercers hassling me and with a massive change in income cannot pay. I sent the CCA to see if there was a signed agreement in place. I attach two pages of the letter back from them. Plus page one of a 'standard' agreement copy they just sent through. They say they don't have to have an agreement signed, I don't know what to do next. If I throw up the files here, I have taken out all references, but any help would be gratefully appreciated. Thanks all. [ATTACH=CONFIG]46335[/ATTACH][ATTACH=CONFIG]46334[/ATTACH][ATTACH=CONFIG]46333[/ATTACH][ATTACH=CONFIG]46332[/ATTACH]

Well I've had my letter back from EGG who don't uphold my complaint for thefollowing reason (card taken out online in 2003 by the way) 1) Online sales at that time did not require i take out ppi as condition of obtaining card 2) Online sales at that time did not provide an advisory service. 3) Online sales at that time required you to positively confirm that you wish to purchase policy 4) Online sales provided full T&C and requested you read them before you submitting application. I have sent a SAR request off, which i know may take a little while. Am I dead in the water here. I don't remember asking for PPI or 'positively confirming' - i guess that means a tick - anything. They've said this is their full and final response. HELP! Hx

Hi can anyone help me in 2004 I did a online application for a egg credit card the ppi box was pre ticked and wouldn't let you proceed unless you left it ticked i clicked and got card. I then phoned egg to say that there was an error and I didn't want ppi they said ok we will cancel in dec 2012 I got a Barclays app and while checking my accounts found ppi had been taken out I called new owners barckays told them them said we will cancel it then I claimed they twice said no now gone to FOS what are my chances I did tell Barclays and FOS that reason I didn't want ppi was I was covered by my employers fully been with them since 2002 sent Barclays a letter from my employer showing this need to know if anyone has been successful regards

Hi all I have to old Egg accounts that were transferred to Barclaycard. Both account closed and in default more than 6 years ago. Balance on both accounts was £10,000 each and is still outstanding. I submitted PPI claim and have received a letter from them upholding my complaint (one one account so far) and offering the following - Refund of CRP payments to 10 March 2002 £217.15 Refund of interest charged on CRP premiums £3.95 8% simple interest inc extra 45 days £165.83 Total = £385.93 They are applying refund to my debt (which I know they are not allowed to do) and sending me a cheque for the interest. I have made an SAR which is now overdue and will now go the County Court route as I am not convinced that the figures are correct for a £10,000 credit card balance. When I called them they said that that the card start date was 1 year earlier. This not correct and I can't prove it but it probably works to my advantage as CRP on £10k in one year must have been impressive. Two questions that I would like help on please - 1. Should I send the cheque back to them for the interest as they owe me the full amount as they have bought the debt from Egg? 2. Should the figure be higher than the one stated? Apologies if this crosses any existing threads bt I haven't found anything similar Thanks

Hi all I have two interim charging orders from 6 years ago for Egg credit cards which have now been transferred to Barclaycard. I suspect that Barclyacard don't have all/any of the paperwork and I have made a SAR to Barclaycard. If it dos turn out that they don't have my records can I use this to get the interim orders set aside? Thanks

Beware of this company Good Egg creative communications D J Higginbottom. We paid them via a website to carry out some design & print work. The work was never carried and this company failed to respond to any emails. We left a negative review on the website Good Egg creative communications simply deleted there profile and re opened a new profile with a slightly different name. This guy is definitely not a Good Egg he is a rotten EGG.

Egg/B'card/Marlin - I will give an overview, but may be better to just skip to the end... I had an account with Egg. 1st problem Egg took direct debit of too much and took it twice in 2 days. Complained, and I got a half hearted sorry; but it cost me bank charges so I cancelled the DD and paid by cheque from then on. Even though I was paying they harassed me and sometimes phoned me 3 times day (the staff were lovely - they thought because my name was unisex they could make weak puns and just be extremely rude to me each time they called.), even after I sent the usual 'only dealing in writing', 'don't phone me' and eventually reporting them to the police and FSO. Police and FSO did nothing calls kept coming. Work circumstances changed, and eventually I was struggling to pay. At which point, I started going through the claim back charges and CCA routine. (AS I had heard that their CCA may be invalid, not that I don't want to pay my debts, but they had harassed me and caused me so much harm, I would have been happy to see them without their money - I feel I could/should have sued them for much more.) I had printed off my agreement when I first signed up, and what they sent me was a totally different document. I used the internet 'way back engine', and they had just copy pasted a CCA from about 18 months after I had signed up and appended a screen shot of a tick box with my name next to it. I complained...then it was transferred to Barclaycard, still unresolved. Now Marlin. I replied to a letter of theirs, I had no idea it was about the Egg card. I replied with a 'prove it' - nothing. I again wrote and CC'd to trading standards and the SOA, and belatedly I got a letter with no proof, just telling me that it referred to an Egg account. I replied stating that their letter did not provide any proof, and that without that forthcoming, I would not enter into any further correspondence. I basically said that I did not know them from Adam, and as such saw no reason to give any personal details. Today I got a letter saying that they will come to visit me to 're-establish contact'. I will send the 'do not come to my property letter'. But what does this say about the situation regarding Marlin's Egg cards: do we know if they have the documentation? As I have asked for proof and they have acknowledged this and not provided any, surely they could not take me to court? Are they just fishing?

Hello Again, This site was so good last time in helping me with some problems I had been having with a most dubious debt recovery firm that I thought I would come back and ask for further debt advice in trying to reclaim PPI on an old Egg/Barclaycard for a friend of mine and hope that the very kind people here will offer me some further advice. Chatting with a friend of mine a few months ago, we were discussing PPI refunds and to my astonishment, she told me that "she was still paying PPI on her Barclaycard and had never bothered to try to reclaim or cancel this" - well to say that I was amazed is an understatement and said that having had a few dealings with banks and credit card companies over the years that not only was she insane to take this attitude, especially as she has small children and is not particularly affluent, but I would be happy to take this on for her and try to reclaim it for her. She had the credit card with Egg initially and cannot remember ever being given advice by the company on any aspect of the PPI insurance when applying for the card or memory of even ticking the box to apply for this. She is and has been before the card/PPI application, employed in quite a good job that pays three to six months sickness benefit and she has no real history of claims for long term sickness benefit throughout her ten or so years at the company. The company look after their staff, pay private health insurance for them and really, there is no real benefit to her whatsoever in having PPI, now or when she initially started the account with Egg, In her statement when I sent this to Barclaycard on her behalf a few weeks ago now, she wrote - "I took out the credit card many years ago with Egg and had no idea that I was paying PPI. I don't remember it being sold to me but if it had been offered, I would have had no need for this and would have declined the cover. The first time I was aware of paying it was when I received a statement from Barclaycard that every month I am paying this insurance. This was within the past few weeks. I have absolutely no need whatsoever for this insurance and am certain that it was neither offered to or agreed by me at any point. It might be the case then when Barclaycard took over the card from Egg, they added the PPI without my knowledge or consent" They replied back in the middle of April to say that she applied for PPI protection on Egg's website when she initially took out the card in 2003 and they were not upholding her appeal as they had viewed the documentation she saw when taking out the PPI and this was clear and accurate and that was their final response on the matter. She had not spoken to any representative and therefore had not been badly advised in any way they felt. Here things become a little contradictory to say the least. I wrote (in her name) to say how disgusted I was at this decision and wondered why with all the bad publicity PPI has had over the years, how they could morally justify continuing to take this from their customers, knowing how flawed this insurance had proved to be. Barclaycard wrote back to say that "no additional information had been received and therefore they were still upholding their original decision but wished to confirm that the PPI policy was cancelled at the end of November 2011" - something which was never confirmed or even communicated to her, either verbally or in writing. Very interestingly, she then received an "Annual Review of Optional Payment Protection Insurance on your Credit Card" dated November 2012 informing her that she had paid £300+ at an average of £27.00+ over the past year up till that date. So it would appear from this that the PPI was still being taken a year after it was stated to have been cancelled by Barclaycard and despite a further letter from me on her behalf, no confirmation has to date been received to say that this PPI payment is still being taken or has actually been cancelled by them. I love a fight and want to take this all the way. Am I right in thinking that my next move should be a SAR request and what do you think a. my next step on her behalf should be after that and b. our chances of getting her money back here after her paying PPI for at least ten years on the account. Many thanks for reading this (sorry it is somewhat longwinded) and any help will be greatly appreciated indeed. Janis x

Anyone had the standard fob off letter by Egg so took it to the FOS and won?

HELLO ALL, TWO OF MY DEBTS (FROM CITI AND EGG) WERE BOUGHT BY DLC. I TOOK ADVANTAGE OF THEIR 90% DISCOUNT ON CITI DEBT AND SETTLED ACCORDINGLY. WHILE THE EGG ONE IS STILL UNDUE, THEY MADE ME AN OFFER OF 75% ON EGG BUT I DO NOT HAVE THAT MONEY SO I AM STILL PAYING THEM £1 PER MONTH. I STARTED DEFAULTING ON THEM IN 2006. I AM NOT SURE WHETHER I ASKED for a CCA file or not but all of their correspondence mention the original creditor name. So far I have been advised by DX to send them a CRA file. Which I shall do as soon as my printer is fixed. A new development is that none of these appear on my Equifax credit file any more. Do they still have enforcement powers as I have been paying them a statutory payment for each account. They have offered discounts in the past. What should I be doing meanwhile, apart from the CCA file? And while I am asking for CCA file, should I keep paying? Thanking you in anticipation. P.S: BTW ARE DLC, ROBINSONWAY, BRYAN CARTER, LOWELL SUBSIDIARIES OF THE SAME COMPANY? ARE THEY CLOSELY CONNECTED ANYWAY?

Hello , Does anyone have any experience of dealing with BARCLAYCARD (my account was originally egg) The have no signature/original terms - they sent me a copy of terms on barclay card headed paper but i opened the account with egg - it was transferred to barclays? It has £940 default balance last payment March 2012 now passed to Robinson Way collectors - Originally took out the card via online around 10 years ago. was paying it regular until March 2012 I have sent the prove it letter giving 12+ 2 days and they just gave me a black barclays terms I asked them to remove from credit report but they wont do it any help or advise would be much appreciated x

First of all, apologies as there is another thread in the Legal Issues forum relating to this. But I wanted to start a new thread specifically to get some feedback on this SAR response from Barclays on an old Egg card. Am currently going through the process of defending a county court claim from Marlin Europe on an old Egg card on the grounds that I placed the account in dispute in 2009 with another DCA (Capquest) who then dropped it. Long story short, I sent Barclays a Subject Access Request and received their reply the other day. This is what they sent. Can anyone advise if they have a proper case against me and why the balance has been showing as £0.00 since Dec 2011?? I assumed that they would have sent me the original credit agreement, all statements detailing transactions, payments, default notices, transfer to DCA's etc etc etc. Well here is what I got.....:- 1. A covering letter which says they have enclosed "copies of information held by Barclaycard" 2. Some info and some jargon busting pages with general info on Credit Scoring, My right to appeal etc. 3. A kind of Glossary of Abreviations and what they all mean, looks pretty standard. 4. Barclaycard Copy Apps - this is a few pages of info like my address, my employer, my salary, my bank details etc that I must have given Egg when I originally applied for the card in 2002 but this is NOT a credit agreement. Just a print off of some info I have given them. 5. Barclaycard Migrated Memos :- A sheet that says "Memo List and Detail" and then gives my name and a credit card number, again - not my number. Then a single line that says "05/11/11 4 CUSTOMER SIGNED UP FOR SMS OR EMAIL ALERTS" and that's it. 6. Finally, and this is where it gets interesting. A bunch of "Copy Statements" from 2nd December 2011 to 2nd May 2013. The first one says the following:- ================================================ CLOSING BALANCE OF LAST STATEMENT 7043.00 CHRGOFF PRCH PRIN BALM, 04 Nov 7043.00 TOTAL OF NEW TRANSACTIONS 7043.00CR ================================================ Then, every other statement for every month until May 13 says this:- ================================================ Present Balance £0.00 Credit Limit £0.00 Minimum payment due £0.00 Purchase interest 1.356% CLOSING BALANCE OF LAST STATEMENT 0.00 TOTAL OF NEW TRANSACTIONS 0.00 ================================================

Brief description, £11,343 - Egg Loan (original loan was £15k), Aktiv Kapital (UK) Ltd (Not showing on my credit report) - when was you last payment? Through dmp once every month So they have sent refusal letter and a response to a CCA request. whilst awaiting the cca, collection has been removed AK 75% discount offer letter

Hello All I would be grateful for some advice. Out of the blue, I've received a letter from Canada Square Operations saying their records show I purchased PPI with an Egg loan. The loan was actually to repay the balance on an Egg credit card and the loan was suggested to me over the phone. I don't recall filling in a form. I can't remember the start date, but I settled the balance in November 2007. They've included a questionnaire for me to complete if I want to make a claim. My problems are: 1. I had no idea PPI was involved, and I understand from other threads that it is not a good idea to say this. 2. Since I didn't know about the PPI, I haven't got any paperwork on it at all; I kept it until a house move 2 years ago, dammit! SO Do I ask for an SAR - they probably do have the file as it's not yet six years since settlement? Otherwise there are a lot of questions I can't answer. However I am fairly confident that if an SAR reveals that PPI was involved that I will have a valid claim since: 1. I was self-employed and I had both an income protection plan and a critical illness policy with another provider 2. I have successfully claimed PPI from my bank To complicate matters I am moving house in 2 weeks' time. I gather they are pretty stern about proof of address. All help gratefully received! Kind regards, Magiciansgirl

Hi new to this please bear with me need some help with an egg loan and ppi redress. Borrowed £12000 over 84 months they added £2595.98 for ppi payments of £225.07 interest rate 7.66% I paid 29 months and settled 50 months ago the settlement amount was £9762.28 They have offered refund of ppi £2595.98 plus interest paid £416.07 plus 8% £778.32. Total £3790.35 but then say less rebate paid £1201.99 leaving £2588.36 Problem is I cannot get my figures to match and cannot see we're the £1201.99 rebate comes in because in total they have charged me £16289.31 Can anybody help please?

HI, Wonder if someone can help me here. I had an egg cc years ago and I know there was ppi on it that i would like to claim back. the problem is I can not find my account number. Does anyone know if they will submit info via an SAR without the account number and just my personal details also what is the address to write to? Many Thanks Gem77

I've got a small claim ongoing for PPI from an old egg CC. They keep telling me they need proof of my new address to send the cheque out, this being bank or building statement gas/elec bill council tax bill (all dated within the last 2 months) I don't bank in paper other than CC's The gas/elec bills are both online, and if i do have a paper statement, its like 6 months old the council tax is in the wifes name. Last time i send them the following, hoping it would suffice A copy of my UK firearms cert A copy of my UK shotgun cert my last virgin CC statement a copy of my driving licence Now forgive me if i'm wrong, but surely these 4 items prove its my home address. The home office don't give out firearms tickets without some pretty serious checks ! Any ideas how i can move this forward?

I'm just looking for a little advice or some pointers to other threads with a similar situation. I took out an egg credit card back in 2000. I was pretty useless with the repayments and got into all sorts of trouble and finally I defaulted owing about £3,500. I then didn't hear anything other than the odd letter every 12 months, but I was moving house quite regularly and they never caught up with me. I filed for all my statements years ago and have all the relevant paperwork to now claim back, or reduce the money I owe. I sent the standard claim form off and received a standard response saying at the time the online sales process: Did not require you to take repayment protection insurance as a condition of obtaining the card. Did not provide an advisory service Required you to positively confirm that you wished to purchase this policy during the online application Provided full terms and conditions of the policy and requested you read them before submitting They have now closed the complaint and I have 6 months to raise the complaint with the fos. My questions are Has anyone else had this response and won can anyone provide me with the links to the threads where they have won As I owe £3,500 and by my calculation the PPI + Charges + interest = just over £3,500 can I get the full amount cleared and the black mark on my credit score removed? Many thanks all, I really hope someone can help me as we are expecting our second child and I need to be able to get a mortgage. Thanks

Hi guys I am a newbie to this forum, but decided to join as I read some interesting stuff on here particularly regarding Marlin DCA. I have an existing credit card debt with Egg which last payment was made back in 2009. I received a letter this year from Marlin who are chasing the debt on behalf of BarclayCard. I wrote to Marlin on the 3rd March 2013 requesting a "true copy" of the original credit card agreement (s78 of the CCA). I then received a letter from Marlin on the 23rd March 2013 stating that "We do not hold a copy of your online agreement and have therefore applied for a copy from the original creditor and will forward upon receipt." A few questions: Is my letter of the 23rd March a valid CCA request or does it need to worded in a certain style? Should I have sent a failure to comply letter after 12+2 days or does it not matter too much? Based on the answers to my above questions, since it is now 13th May and I have not heard anything, is the agreement unenforceable? Thanks in advance.

Advise required please. I have just received a citation from a Scottish Solicitor representing Marlin Capital Europe Ltd in respect of a debt to Barclaycard. I have never had a Barclaycard Credit Card or took out an agreement with them. I did have a credit card with Egg which I took out in 2004. I now know that Barclaycard took over Egg Credit Card accounts in 2011. I was making regular payments to Egg until they suddenly stopped sending me statements, and so I then stopped making payments. I never received any further statements or correspondence from Egg for 18 months, then all of a sudden in early 2011 I received a default notice. I was unaware that Egg transferred to Barclaycard, possibly I received notification, but I cannot remember. I then started receiving calls from Marlin regarding Barclaycard. I informed them that I have never had a Barclaycard and refused to discuss matters with them. I have now received a writ from their Scottish Solicitors giving me 21 days to respond. I am based in Scotland. Interestingly in the writ it is stated that I took out an agreement with Barclaycard in 2004, this is an error straight away as it was with Egg. I do not know when I made the last payment to Egg, it was about 4 or 5 years ago and maybe time barred. Should I send a CCA request to the Solicitors or Marlin or both? Is there still time to do so? Any help or advice would be greatly appreciated.

Defaulted on an Egg CC 6+ years ago, passed onto Cabot in 2008, did the usual with CCA/SAR. I got my SAR stuff through 27 months after requesting it from the DCA who Egg had sold my loan on to. I haven't paid or acknowledged the account for over 6 years, so its SB anyway. I noticed on my statements in the SAR (2009 ish) that there were some strange payments to it - 'DCA Payment - Thank You'. Is this a sneeky trick that DCA's use to keep accounts active? And now they are saying that I have 14 days to pay up or else...yeah right! SB letter on way. And the fact that they have also sent me a copy of my supposed CCA is a joke. The name is wrong, address is missing, no signature. I'd be interested to know what that payment is? Cheers

Ok, I had an Egg card in 2003, it defaulted in about 2005/6, I heard nothing till 2009 then a DCA contacted me I paid them roughly £400 in 2009 ,then I was going to court to have some debts wiped off,(Didn't work) under the credit laws, I heard nothing until recently then Marlin contacted me wanting the £5500 balance on Egg card, is it statue barred as it defaulted in 2006 or because I made payments to a DCA in 2009 is it not????? TIA

Does anyone know what paperwork and record transferred to BC from Egg. Specifically, credit agreements, and proof that a debt is not statute barred?