Egg No Agreement Default Removal

[wednesday1867]

Well just to update, received a response from CapQuest today.

 

Just states that they are no longer dealing with my account and everything has gone back to Egg.

 

Maybe they dont have an agreement and the online one they sent me is something i never completed afterall?

[citizenB]

Well just to update, received a response from CapQuest today.

 

Just states that they are no longer dealing with my account and everything has gone back to Egg.

 

Maybe they dont have an agreement and the online one they sent me is something i never completed afterall?

 

Is this the account that you are preparing to go to court with ? and it is still being passed around DCAs ?

[wednesday1867]

I was going to start proceedings to get the default removed, but the consensus is that the online agreement they sent me is actually enforcable. Everytime i get a letter about it, i just send them a reply stating im waiting for a copy of my agreement, then it eventually gets passed back to Egg.

 

I cant remember how i applied for the loan, it may of been on line, it may of been on the phone, as it was transferring my Egg card balance to an Egg Loan.

 

At the minute, im waiting for Egg to make the next move, if its enforcable, why arent they pushing me?

 

I obviously dont want to go to Court, they provide that and i have no answer to it.

[bathgatebuyer]

Subscribing wth interest!

[wednesday1867]

**Update**

 

Still haven't had any letters demanding repayment.

 

However, about a month ago, i received a letter from Egg, informing me they are looking into my complaint. I haven't complained to Egg, i haven't contacted them for months and months, only contact i've had with anyone to do with this account is the DCA's acting on Eggs behalf.

 

Today i received another letter, informing me they are still looking into my complaint and if they don't settle it within 8 weeks, i can then take my complaint to the FOS.

 

I've no idea what they are talking about

[Mistermind]

**Update**

 

Still haven't had any letters demanding repayment.

 

However, about a month ago, i received a letter from Egg, informing me they are looking into my complaint. I haven't complained to Egg, i haven't contacted them for months and months, only contact i've had with anyone to do with this account is the DCA's acting on Eggs behalf.

 

Today i received another letter, informing me they are still looking into my complaint and if they don't settle it within 8 weeks, i can then take my complaint to the FOS.

 

I've no idea what they are talking about

 

It is not an Egg correspondent consciously speaking but their automated IT systems babbling. There could be for instance 200 different permutations of Egg-vs-customer situations which a human manager may recognise after lengthy briefing, but say only 50 Egg template letters carrying rigid text and stored on Egg computer. Whenevr the IT system senses a certain template letter is due, the nearest match is sent off. To be fair, many CAG claimants also fire off CAG template letters bearing inapplicable and irrelevant text to banks and cards.

 

Such blindfolded automated mailing might be the explanation why they sent you a template letter requesting a manual signature (aimed at other manual applicants, or text left over from before 2004), when in your case an electronic tick had already been recorded on your online application -- if that was what happened.

[wednesday1867]

Quick Update, Egg looked into all this and stand by the online agreement saying i ticked the box online.

 

I have written back saying what about the email requesting me to send back the signed agreement.

 

I told them i dont recall signing it on line and that my next step would be court not the FOS, i asked as i didnt believe them for screenshots, they have provided them before. They wouldnt (or couldnt) send me them. I also asked if this online agreement is the one they would depend upon in court in accoradance with the CPR rules, again this question was dodged.

 

I asked both those question 3 times, no answers, last letter told me they had given their final response and i should now contact the FOS to carry my complaint on. I dont want to do this, the FOS cant really help i feel.

 

So my next step, either go to court and say i dont believe i signed this on line, would they have to supply evidence i did? Or is the agreement they sent me, proof enough? Surely it cant be?

 

Or organise a payment plan.

 

Ere dear..............

[wednesday1867]

Any ideas?

 

Do i write back saying, i wont be going to the FOS, i will be issueing court papers challenging the enforcability of the alleged agreement and i must have their confirmation under CPR rules that the supplied document is the one they would rely upon in court?

[citizenB]

There is little point in going down the FOS route as they dont have a remit to ajudicate on agreements. So I would say your next move is just to send a Letter before Action.

[thirty-n-fat]

Sorry to bring up an old thread, but I am in a simlar situation to what is described here.

 

I entered into a loan agreement with Egg in Novemeber 2005.

 

I origionally was planning to borrow £5000 and comleted an online application, however I actually borrowed £5500 and recall completing a signed agreement before the monies were released into my bank account.

 

In response to a CCA request, I have recieved a copy of an electronin agreement, however it is impossible that I would have completed this agreeemnt and a login to my egg.com account confirms that there are no online agreements.

 

Are they playing games here and is there anything I can do?