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  • #1

    What are the chances

    ....... of Egg accepting a Full and Final offer off of Mr Looloo........??

    He owes them around 15K and had never missed a payment and does not have any defaults issued against him. As part of his divorce settlement he has money to pay this off - and he can actually pay it off in full..... but just wondered if you think it was worth our while making a cheeky little offer to start with?
    .
    Tags: arrears, card, credit, credit card, dca, default, defaults, divorce, egg, full and final, interest, loan, loans, money, niddy, pay, ppi, repay, repaying, statements
  • #2
    Re: What are the chances

    I dooo, just say your going through a divorce and you feel money is going to be tight but you have X amout saved up that you would like to offer as a repayment

    but niddy can advise betta then me!

    Comment

    • #3
      Re: What are the chances

      Cheers Jen - i guess it is worth a shot - worse they can say is No eh!
      .

      Comment

      • #4
        Re: What are the chances

        Originally posted by Sunnylooloo View Post
        Cheers Jen - i guess it is worth a shot - worse they can say is No eh!
        Pointless waste of time Sunny - They will not accept, he needs to be in arrears first otherwise we'd all "haggle" loans etc....

        If he has a clear credit file then i'd suggest repaying it, if he repays early they will knock off interest etc - alternatively default it and then haggle for a £5k offer with the DCA - but not advisable really....

        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #5
          Re: What are the chances

          Cheers Nid - I'll just get him to repay it.
          .

          Comment

          • #6
            Re: What are the chances

            What is the balance and how long left to repay? Does it have ppi,?

            Don't pay yet. Til you answer the above. Me has a cunning plan to save "a few quid"!
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #7
              Re: What are the chances

              Nid - its a credit card not loan............ and he doesn't think he took out any PPI - but I am getting him to check his statements.

              So I don't think there is much we can do but just pay it and get rid I guess....
              .

              Comment

              • #8
                Re: What are the chances

                Just checked he has no PPI - so I think he has no option but just to settle....
                .

                Comment

                • #9
                  Re: What are the chances

                  Originally posted by Sunnylooloo View Post
                  Just checked he has no PPI - so I think he has no option but just to settle....
                  Yea, unless he defaults then he needs to settle really. However no harm in asking for a deal if he clears in full at next statement....?

                  They can only say no, right?
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

                  • #10
                    Re: What are the chances

                    Cheers nid. Worst thing they can say is no. Worth a shot. Will let you know the outcome
                    .

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