Beachy's OH v Egg Card

[ken100464]

Thats the problem because we just got 2003 agreement and all the stuff for a default and termination in 2009.

[hesanmp]

hi when did barclaycard take over egg? i have an old egg statement from 2008 and it says i made a payment of £100 in oct 2008, i have checked my bank statements and i can't see any payment going out then!!!

[wazir]

My argument was about them sending me a dated (2000)

signed copy of an application form and two unsigned, undated 'Credit Agreements'

(presumably original full T&C, and current, both fresh prints not like the battered old application),

 

and in the cover letter claiming they'd sent me two documents,

 

A and B (all three were unlabelled).

 

The application also clearly states that this is not a binding agreement until a CRA check has been done.

 

No record of this when I subsequently did a subject access request.

[beachcomber60]

Not been around for a long time, happily getting on with life.

 

Been in a long term repayment plan with a DCA regarding an old Egg Loan.

 

Out of the blue,

I've received a very polite letter offering me a 50% Settlement offer,

they taken into consideration my payment history, my age, monthly payment & length of time to clear the debt.

 

Can't understand why they have done this - they know something I don't?

 

There is no way I can accept their proposal - I simply don't have that sort of money.

 

Maybe 10-20% or even write the balance off as I'm no longer working

[dx100uk]

time for an sar me thinks.

 

if they are offering a discount

 

there is a reason

 

there are numerous egg threads started by you

 

which one gives the background please?

 

dx

[beachcomber60]

And so after over 3 years of peace and quiet, DCA letters begin again.

 

Every two weeks letter asking to call them to discuss the account, latest one states that they are disappointed OH hasn't phoned them & that it must be done within ten days of the letter or it will result in account being passed for pre-litigation assessment (had that one before). We will consider legal enforcement of the debt against you or your property (think this is a new type of threat).

 

I'm no longer working & do not receive any form of income or benefit, OH only works two days a week & is currently off work recovering from surgery & we no longer have our own property - so cant see how they can enforce & if so why now after 3 years of silence .