Egg...

lisyloo

It really depends what it was for and whether you legally signed up to it.

Do you know what the charges are for?
or have you handed over £3K+ and still don't know what the charges are :eek:

_Andy_

So whilst the debt was running up to £3459 what action did you take? Sounds like you did nothing at all - I may be wrong (hopefully).

nickmack

simon_mcbride wrote: »

SO the question is can i reclaim the charge against Egg Card which put me in this posistion?

Please see Martin's article on Credit Card reclaiming:

http://www.moneysavingexpert.com/reclaim/credit-card-charges

You should be able to make a claim for the charges on the Egg account, but it will be much tougher to get any additional costs added by the Debt collector.

militantconsumer

This sounds very bizarre to me.

A closed or zero balance credit card account rises from nothing to £3,459. Then what sounds like a payment plan is set up with a debt collection agency and the balance is paid right back down to zero again. And this all happens over a 3 year period.

There has to be some information missing from this story. I suggest you send off a data protection act request and find out what really happened on the account.

sillyme

Egg have offered me the full amount but minus the interest.

Charges £240
Interest £60

I'm tempted to just accept this offer - is there any point in persuing them for the full amount?

militantconsumer

Well, how much is the full amount?

sillyme

Hi there.

See above - full amount is £300:

Charges £240
Interest £60

militantconsumer

So they have offered £240 instead of £300?

I would say it has to be worth sending another letter if it might lead to you getting £60 more.

sillyme

Thanks Militant

They have said I have to reply providing my bank account details within 14 days and this shows I accept their offer in 'full and final settlement' of my claim.

How can I accept this offer, and then say it's only in part payment? It doesn't appear I can if I accept this offer.

And if I don't accept this offer, can they withdraw their first offer?

militantconsumer

You say you accept their offer "WITHOUT PREJUDICE" as part payment towards the total you believe they owe you.

I think technically they probably could withdraw the first offer but in practice that doesn't seem to happen.

If you haven't yet received the 3rd letter it will probably come if you write back now and you will be offered everything.

But do make sure you have correctly worked out the interest using Martin's calculator on the main site guide.