EGG - Threatening Legal Action - Help

jim2007

Please can anyone advise on how I deal with EGG, I have been trying to arrange a reduced repayment plan since December. I have been sending them £100 a month, while they continue to ignore my letters.

Today I receive a letter from Capital Credit Agencies stating that

"Our client has instructed us to consider litigation if no satisfactory response is received. The issue will not go away and if not addressed will lead to Egg utilising the legal system. We are presently undertaking checks and validations to expedite legal proceedings. These checks will be focused on property ownership, through the Land Registry Office and validation of employment details.
We will endeavour to help and assist you in any way possible to clear your indebtedness without the need for Legal Action. However this can only be acheived with your full co-operation. Please call us to discuss the matter immediately.
If no satisfactory response is received, together with all the relevant details established, may be forwarded to Solicitors for immediate action"



Can you please advise on what I can do next?? I have offered them and continued to pay what I can afford each month, which is £100 a month. They have had income and expenditure figures, hospital letters detailing my sons illness and letters confirming other companies have accepted my offer.

Between them and Mercers, I am losing the will to live. They just ignore every letter I send!!!

Many thanks

thechippy

Whats's the outstanding balance Jim?

Have you sent egg a CCA request?

jim2007

The outstanding balance is just over £10,000 and I have requested a CCA to Capital Credit Agencies but they returned the postal order saying it should be sent to Egg. This I will be doing this afternoon.

Is this letter just scare tactics to try and get me to pay more?

thechippy

Yes mate it is.
The usual computer generated threatogram total drivel.
If you have cca'd the dca, it's thier responsibility to forward your request to egg. They are total muppets and know nothing of the law.
See what you get from egg.
In the meantime pay them what YOU want and not what they say.

Even IF it went to court (a big if), a Judge would only make you pay that which you can afford.

Keep in touch, you are in good hands here......:D

jim2007

Thanks - It is great to come on and here and realise you are not alone.

I presume Mercers use the same tactics, as they ring from 8am to 8pm countless times a day. Barclaycard are also getting a regular payment by Direct Debit!!!

jasperconran

hiya Jim,

My OH was in a similar situation to you. He owes Egg quite a bit and he got the same letter. We sent them a letter offering them what we could afford, we also sent a budget sheet downloaded from the national debt helpline website. We are doing our own DMP. Its taken 4 months, but finally Egg have agreed and accepted our offer, they have also frozen all interest and charges.

Hang in there mate, dont let me grind you down. And dont whatever you do, give in!!!

keep us posted

thechippy

All dca's are idiotic scum that rely on scare tactics and that most people don't know thier rights.....:mad:

We'll point you in the right direction...:D
NEVER talk to any of these bottom feeders on the phone - writing only...;)

thechippy

Jim,

Send mercers this.........

Company Name
Road
Town
City / County
Postcode


Dear Sirs,

Harassment by telephone

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of The Consumer Protection from Unfair Trading Regulations 2008, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**) - remove this bit

Yours faithfully,


(type don't sign)

thechippy

Personally, I wouldn't send a dca an I&E. They have no right to see one and you shouldn't be letting them know what you spend your money on..;)

Sunnylooloo

Hi Jim

I ended up calling Egg as they just ignored every single letter I wrote (sent by recorded), I told them what I could afford and sent them a copy of my I & E but they said they would only accept 1% of the total balance per month. It was huge amounts more that I had offered to pay so I agreed to this in the short term.

All seems to be going OK and they have sent me a letter saying that even though my account is in arrears they will mark it as satisfactory on my credit file.

However............ our "short" term agreement is up soon so not sure how they will be after then - o and they have not frozen the interest (everybody else has)

Halifax Bank are the bain of my life at the moment...

carol01

hi jim
have you read never in doubt's thread about egg card's flawed it may be worth having a look to see (may give you peace of mind )