Help with Egg and DCL

[loadsofdosh]

Please can you help. I have a debt with Egg credit card of over £6000. I have offered them a pro rata payment which I have been paying for several months now. They often send the normal documents about not paying the full amount and that they are going to default me. I have written to them on numerous occasions asking them to accept my offer and freeze interest and other charges but they have always ignored my letters, I spoke to someone who said my offer was not enough. So I have carried on writing but they have not replied. Last week they sent me a default notice and mentioned that they had put my account in the hand of a debt collector. The debt collector, DCL, phoned several times saying it was DCL, and needed to contact me urgently and when I phoned back to quote a reference number. Then they sent an email via Egg, so I replied asking them not to phone me and they could email me. They sent a financial statement for me to complete (I had already completed one with Egg). I asked them to obtain the information from Egg. They have asked for full settlement of my account. They have then sent me another email contents below and are calling me by another name -

 

"Egg have no legal obligation to accept anything below the minimum instalment and if they do they will not accept it for more than 6 months. I would assume that is why your letters were unanswered and the account was then passed to us.Please refer to the terms and conditions of your contract that confirm Egg have the right to forward your account to a 3rd party.Moving forward, we would happily take into consideration your circumstances and offer; we just require the income and expenditure sheet to be sent to us as Egg have not forwarded that information to us. Also with that please forward pro rata percentages and creditor balances so we can justify your offer."

 

Could you please give me some guidance on how to reply to them - do I have to send them all these details again as I have already supplied them to Egg? What do I do about them calling me by another name - that isn't very professional?

 

Your help would as always be much appreciated.

[nks22]

Do you mean DLC (I'm guessing so as they are the ones dealing with my Egg accounts)? First thing to remember is that they can't take any legal action themselves; only Egg - the owner of the debt - can do that (unless they've sold the debt on - ask DLC if they own the debt or if they're acting for Egg).

 

Send DLC a CCA request with £1 P.O.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

If the phone calls persist send a harassment letter:

 

http://www.consumeractiongroup.co.uk/resources/templates-library/52-harassment/135--harassment-by-telephone-response-letter-

 

 

Don't panic and don't agree to anything without checking with someone here first. And while you're waiting for a CCA response have a good read of other relevant posts.

[loadsofdosh]

Thanks very much -it is DLC sorry I cant type straight now. They have said that tey are acting on behalf of Egg with the intention of recovering the balance which has been defaulted. I can't send them a CCA request because I already did that with Egg and although they claimed I hadn't sent a £1 I showed them a copy of my Egg statement which showed it had been cashed so they sent it but it all looked okay - enforecable - not that I really know what Im looking for but someone else I showed it to said it looked okay. Is there anything else I can do?

[dx100uk]

so the dca is only collecting ....ignore them & also stay off that phone.never talk to anyone regarding debts on the phone.

I/0 sheets.........

no-one bar a court has the right to see your financial details.

 

take control of your finances yourself.

 

write egg, TELLING them you can only pay £XX for XX mts, then do it by internet banking and keep doing it regardless to whatever they or any DCA says.

 

they are just chancing their arm. IF and a very BIG if it ever got to court the judge would laugh it out the door & prob assign a smaller sum.

 

they KNOW this , but you must keep to your promised payment schedule.

 

DCA's have NO LEGAL POWERS all they can do is send threat-o-grams.

 

you might also find it useful to read a few of the threads in the EGG forum.

the more you read the stronger you become.

 

i'd click the red warning triangle on one of your msgs in this thread and sens a msg to get this thread moved to the EGG forum.

 

you will get alot more support from other by posting it there.

 

 

good luck

 

dx

[loadsofdosh]

Reply. thank you very much I will see how I get on. Although I have taken advice from CCCS and they have advised writing to the debt collectors with the information they require as they think they seem reasonable. I'm not sure what anyone else thinks about this. I will transfer this to the egg forum though.

[maroondevo52]

Thread moved.

[Keasby]

Good luck with these guys, they are a pain in the proverbial. I've beaten back one of Eggs lackies (CDUK) and feel I now have the upper hand. Also it would be good idea to post your CCA here, from what I've been told egg agreements tend to look ok but have some fatal flaws. There is a good sticky thread about it.

 

Most of all, stay strong, stick to what you know you can afford and do it all in writing. Or you can turn the tables and wind up the DCA on the phone. I rather enjoy that myself...

[loadsofdosh]

Thanks I will post the CCA as I said it appears to look okay although I'm not sure what I'm looking for. Also, I am not sure the best way/how to post the CCA - scan or something. I have had a few calls today from them but they have stopped asking me to contact them urgently instead they just hang up. I had a bit of banter with them via email but they keep addressing me as someone else - are they doing it deliberately or do they muddle up everyone!

[Keasby]

Well I can recommend the 'cheekiness to DCAs' thread that is round here somewhere. Always cheered me up when they were harrassing me.

 

I've not done it but putting your CCA on photobucket and linking here seems to work. I think there is an FAQ on the site. someone with considerably more knowledge than me will no doubt help you out.

[loadsofdosh]

Sorry to all who have helped me but I have been away but am now back and need more advice. Wrote to Egg complaining about their treatment of me and have also lodged complaint with Financial Ombudsman. Egg replied to my letter - the only one, they normally ignore me. Part of it mentioned "unfortunately, although the notes on your account relfect post being recieved: this was not passed to the egg collection team for review. As no arrangement was in place, even though you were making payments of £xx.xx each month towards your debt your accont was frozen on XXXXXX and referred to Dierect Legal & Collections Limited."

 

Letter goes on to say "in view of the status of your account and the amount you can afford to pay - the decision to pass your account to Direct Legal & Collections Limited remains. Direct legal & collectionsLimited will be preapared to discuss a payment arrangement with you...."

 

However, DLC is not prepared to discuss anything with me. They have informed me by email (I can't understand what they are saying on my answerphone but don't intend to speak to them anyway) they are not prepared to accept my offer but need to speak to me urgently as they need to take a payment immediately and then set up a direct debit"

 

Could anyone now help me as I feel a bad run with them coming on. I have been paying Egg a regular amount each month (although not what they want). I am intending paying the same amount to DLC each month and I can also set up a standing order (most definitely not a direct debit) each month and propose writing to them to this effect? What does anyone think? From reading forum Egg and their DCAs appear to be the worst and I am terrified of getting a charging order on my property my mortgage is in my name and my elderly father's and I don't know what I would do if these awful people took my home. Advice as usual please.

[dx100uk]

ignore them

 

there is nothing they can do to you.

 

as in post #4 write and TELL THEM what they are going to get

no judge will make you pay more

 

TBH: i'd keep paying egg direct & these are only the inhouse DCA monkeys anyhow...do what they are there to do - intimidate and threaten you ...ignore them.

 

i would not even both with an SO.

 

its your money!!

 

now what about reclaiming the charges & the mis-sold PPI?

 

bet theres a bit there !

 

dx

[loadsofdosh]

Thanks for your help it was much appreciated, unfortunately, at the moment I don't have many charges as I have always paid my monthly payment on time - so I never accrued any charges to claim for. It has only since I defaulted a paid a smaller amount that a few charges have been added - and the interest is getting more and more. I never took out ppi either. Fired off a letter to them last night and today received two more from them - one was a "caring" letter saying they want to help me and could I phone their office. the other one was mentioning they wanted to set up an arrangement for the amount I have been offering all the time - although they dont mention whether they are actually accepting my pro rata offer - I am just writing to them again. Actually I now have 4 different people contacting me all the time which is weary. I wish they would go away - I would like to wake up tomorrow morning to find I have won the lottery or written a best selling novel!!

[dx100uk]

i'd not both with any more letters

the letter prob crossed in the post.

 

let the one you sent settle for a few weeks

 

dx

[loadsofdosh]

thanks will do. thanks for all yr help