EGG - Threatening Legal Action - Help

carol01

jim2007 wrote: »

Please can anyone help with the problems I am continuing to have with EGG/Capital Credit Agencies/ResolveCall.

Still the threatening letters come in saying Final Notice, I have not contacted them etc.....from Capital Credit Agencies (EGG).
Today I receive a letter from ResolveCall saying as I have not made any contact unless I do immediately they will send a doorstep collector.

I have sent a CCA to Egg after Capital Credit Agencies sent me the request back.
I have sent the "only communicate in writing" letter to Egg and Capital Credit Agencies.
I have sent the letter "warning that I do not want to receive a doorstep visit" to both.
I have sent income and expenditure forms twice.
I have sent my son's hospital report which details why we now have a loss of income.
I have sent letters from others that have accepted my offer of payment.
I have been sending them £100 a month as a goodwill gesture (this should now stop as the CCA as been requested I assume?)

Please HELP I am at my wits end, I made contact in December and they have since added over £800 in charges and interest.

My life is so stressful having an autistic son, and I am feeling so depressed by this constant ignorance from them.

Any help as to how to deal with this bunch of idiots would be much appreciated.

I was looking forward to a good Easter as well :-(((

hi jim take no notice if they do come to your door they have as much right as the milkman actually the milkman has more rights if someone does come to your door tell them to sling there hook and not to dark your door step again you have sent your letters they are just using bulling tactics please dont let them get to you also if they phone dont give your personal data to them and then they can not continue there call please please dont let them spoil your easter x

jdx

Nope, you're not alone Jim. Also had dealings with Egg. I was made redundant, sent them letters with I&E which they ignored. I set up the standing orders anyway to make the regular payments and continued sending the letters. They passed it onto a DCA. I requested the original signed CCA from the dca. They sent a recent copy without my sig. I sent another letter to the DCA informing them that if they didn't have my true copy then they had no right to request payment. With this letter I also sent the I&E. Recived a letter back from DCA agreeing to my offer of payment. Even though now employed, still paying the agreed amount until I can do better. :shhh:

I agree with above, don't worry about threats of visits, they can't do anything. Also it's not worth their while to take you to court because you will only be asked to pay what you can afford. So don'y worry, it will never happen. It's only idle threats.

I have successfully reclaimed egg ppi but having trouble with charges reclaim so with the fos now. If you have loan ppi or cc ppi, see if you can reclaim them and also start reclaiming for the charges. Also see http://forums.moneysavingexpert.com/forumdisplay.html?f=185

jim2007

Today who should turn up on my doorstep but a debt collector from Scotcall. Talk about things moving fast. What the hell can I do now? I have started a new thread on this but would welcome the advice from any previous helpful people!!!
I told him we were paying all we could afford and he want after sitting in his car for an hour, scaring the kids, told me that the only way to avoid him coming again would be to ring EGG!!! (NEVER!!)

jim2007

I have now sent EGG an official COMPLAINT.......with copies of everything I have ever sent them, including the one stating no doorstep collector, which they chose to ignore, in fact they have chosen to ignore everything. Have also contacted the Financial Ombudsman.

dancingfairy

Sounds like you are doing all the right things and it extra stress you really don't need. Hopefully the Ombudsman can get involved and get things sorted for you.
Hopefully you didn't let the debt collector person in? I think if you feel threatened then you should call the police in future if you need back up to deal with them - you sound really unlucky that someone did turn up
Don't really have any advice but hang on in there.
df

jim2007

I did not let the Debt Collector in, I went outside and shut the door behind me, and to be fair, he was friendly. Told him that we were already paying monthly, so he went off to check, came back and said they always want more, and to stop him calling I would need to make phone contact with EGG.......errr NO!!!

jdx

This is interesting reading Jim

- Scottcall http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/241395-doorstep-collector-scotcall-i.html

Also found a letter (post 5) that might be relevant to you Jim.

Scotcall Debt Collecting Services.
55 Blytheswood Street,
Glasgow
G2 7AT

Dear Sir or Madam,

Account Refs xxxxxx & xxxxxx

Please be advised that from now on I will only communicate with you in writing and not by your representative that calls to my house [STRIKE]every week[/STRIKE], no matter how pleasant they are it is still intimidation and using bully boy tactics to extort money that I have not got.

Furthermore, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you or your representatives.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully

Have you cca'd Egg? Or the DCA? As long as you are making regular payments, they can not make you pay more than you can afford.

jim2007

I have sent that letter to Scotcall recorded delivery and included one addressed to EGG in the copy of all letters I have sent to them recorded delivery today - titled OFFICIAL COMPLAINT. I have also sent all the package to the CEO of EGG as well.......well why not! EGG have sent a copy of the CCA, from 2000,(received today) but it has the words APPROVED limit, which I understand from other threads may be worth yet another letter!

thechippy

Hiya Jim,

I strongly recommend that you post on N-I-D's thread re the cca's. He is a good guy and will guide you through. Tell him thechippy sent you...;)

Tell him where you are up till now and he'll advise.

If you get anymore doorstep threats, I'll knock up a letter for you.

Keep in touch

poppet17

We have been dealing with egg through agency for 3 years regularly paying every month not a payment missed, they are now taking us to court to get a charge on the property saying that they have been instructed to do so by Egg themselves. We don't have a leg to stand on as they are saying they just want to secure the debt. They don't give a hell monkey they just want their money.