Moved thread for help please.

stevex41

Hello all,

This is the first time I have used this forum and I'm hoping that I'll get some help. I recently changed a direct debit date on my bank account for my Egg Credit Card. In doing so the original DD was cancelled. After a trip away to Germany I returned home to find letters from Egg including one stating it was a default notice. It went on to state that I had 28 days to remedy the account.
I phoned first thing this morning and explained to the lady what had happened and made a payment there and then to cover the 2 missed payments. I asked if there was any way the DN could be removed of my file and she was so unhelpful - constantly telling me it was not possible and it would be there for 6 years. I then asked her what the letter referred to when stating that if the payment was made in 28 days further action would not be taken. She then told me that if the payment clears it would not go to file, contraditicting herself and confusing me even more.
I later recieved this email :
Dear Mr xx

Following on from the conversation you had with my colleague earlier today, I understand that you requested an explanation of the default procedure. The default notice that you were sent out explains everything you need to know about the default procedure, including the timescales for bringing the account up to date and the consequences of not doing this.

I can see that you have made a payment today to bring the account up to date, so providing this clears, then the default notice will not be registered on your credit file.

Regards
I am normally an intelligent guy but I am suffereing absolute panic. Will this in anyway affect my credit history?

I apologise if this seems a silly question or if it is in the wrong arrea of this forum.

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Following this matter being "resolved" the following has happened:

I got home from work today to find a letter telling me that because I'd failed to abide by their terms in the original default notice that my account had been passed to a debt collection agency, and that a default would be registered.
I've just finished writing a letter stating that I payed the arrears immediately (15 days before the date deadline I was given) and I have the email stating that nothing further would happen. Egg wouldn't deal with me on the phone - simply kept passing me on to the debt agency. I honestly dont know what to do.

Can anyone help me please?

CLAPTON

write a formal letter of complaint , enclosing copies of the documents..
ask them to remove the incorrectly applied default and if they are unwilling to do this then to sebd you a final response letter as you will be compalaining to the Information Commissioner and the Financial Services Ombudsman
obviously send by recorde delivery and keep copies.

for the future remember that even in germany there is internet access to check your statements.