EGG Complaint - 1st reply

[Movingon]

Just get a new credit card elsewhere and put the balance on that... minus any punitive charges of course. Oh, and how are things going?!?!

[killing_the_egg]

Its been a month since your last correspondence. Have you given up??? Or been taken out? :0

[ANNALH]

No news as yet. Waiting for a court date, no more correspondence from Egg for a long time about the charges, however they did close my credit card account and made me pay it off.

[Tinkerbelle]

Barstewards

[killing_the_egg]

Still no news on a court date?

[ANNALH]

Still waiting!

 

Ive paid off my credit card balance now because they decided to close my account.

It also prompted me to pay off other debts too so Im feeling lighter for it!

 

Thanks Egg!!

[ANNALH]

Had a letter this morning;

 

They are counterclaiming £120 which apparantely is their costs for having to close our egg card account (as a result of us suing them they made us pay off the balance)

 

Although the OFT has made them drop default charges from £20 to £16 and therefore they are prepared to offer us a refund of £4 per charge which amounts to £24, plus £30 court fee. Which means we still 'owe' them £76!!

 

They also said that as the claimant the burden of proof lies with us to prove their charges are a penalty etc.

 

We paid the card off last month and closed the account. e have a court date now for September so I dont know if we should reply to that letter or not.

[sarey331]

blimey:o

they do sound rather intimidating. i cant believe they closed your account, they've got a cheek!

 

im an egg customer and im going to be following your case, please keep up updated

good luck

[jonni2bad]

Tell them that you are very much aware of the procedure for burden of "proof" in a small claims court, which is in fact only a balance of probability and that you are more than happy to do this if they do refund you the money, in full.

 

You are also very aware of the OFT statement regarding penalty charges and that it states, quite clearly, that only a court can decide what amount is lawful. Again, you are more than happy to let a court decide.

 

Then find your own words to say "Pay up or shut up - see you in court"

[ANNALH]

Hello,

 

I sent my DCA a sar request but forgot to put in the £1 fee. They have confirmed they have received it and are dealing with it but the 12 days have elapsed and ive had no written reply. Do you think they will send the info anyway? i suppose it doesnt matter if they havent got the paperwork i can still apply for the debt to be written off cant i?

[alanfromderby]

If you sent a Data Subject Access Request then they have 40 days to supply the information they hold, and it makes no difference to the status of the debt if they don't comply. Since they can ask £10 for a DSAR they may still come back to you and ask for more money.

 

Now, if you have sent a request under the Consumer Credit Act and enclosed £1, then things are a lot different.

[ANNALH]

It was a request under the consumer credit act. Co-incidentally ive just had a phone call from the DCA who told me they have not bought the debt, they are only a Solicitors, and they will be getting Egg to supply me with the original agreement and default notice. Doesnt sound good as im sure the original creditor will have the correct paperwork.

[hagenuk]

I have read that Egg never sell debts, so it may not work with this lender.

[sharmal]

So how are you getting on you have not posted for a while. Keep us up todate, I am ure I am not the only person watching this thread with great interest

[DazNorthants]

All the Egg threads seem to go quiet. I suspect Egg intimidation works with some people.

 

Hopefully you are still with us?

[sharmal]

Yes still here, got nothing to lose realy.

[Movingon]

[ANNALH]

Is there a template letter or something to send to Trading Standards to report them or do you just ring them??

 

Egg had 30 days and have not provided me with my agreement so i want to report them.

[ANNALH]

This topic was closed on 03/07/19.

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