Egg, Lowells, Barclaycard help..

[di30]

Re: Egg, Lowells, Barclaycard help..

That is so disappointing.
You are trying and at least offering something!

Surely though they could take everything into account of your circumstances and its not as if your avoiding paying this.

Hopefully Niddy will come up with something, he usually does. x

[sam]

Re: Egg, Lowells, Barclaycard help..

Send this - best of luck.

* Chances are they'll knock it back, but it's a start in the right direction yea?

Dear Sirs,

Account No: XXXXXXXX

I write with reference to previous communication regarding an outstanding balance on the above mentioned account.

I cannot afford the amount stated, plus in light of all the interest and unlawful charges paid to date I propose a single payment of £200 in complete settlement of this account; thus meaning you agree that this account will be closed, in totality, with no further comeback regards to any possible written-off balance.

The alternative is the possibility that one of my other creditors will come back and accept the similar offer made to them, thus reducing the amount available to you, possibly delaying things into a several year payment plan as I can only afford £1 per month at best, if anything. This can be avoided by simple acceptance of my payment of £200 for full settlement and closure of this account.

To summarise, I am more than happy to settle for a single one-off payment of £200 to be made within 7 days of receiving your response, so long as this response agrees with and ensures that the following actions will be carried out;

1. You accept £200 in full & final settlement of this account with no reference or future ability to quote or use Penny v Cole [Pinnel 1602] in trying to recoup any written off balance;
2. The Status of the account will change from “Defaulted” to “Settled”;
3. The Current Balance will appear as £0.00;
4. The Default / Delinquent Balance will be set to £0.00;
5. You will update the entries on all 3 Credit Reference Agencies, namely Experian, Equifax & Call Credit

If you're happy with my proposal, please respond confirming each of the above points on official letter headed paper, confirming that you're happy for a single payment of £200; and I'll then send a cheque in the next day so we can close this and move on.

I look forward to your response and thank you for allowing us the opportunity to end matters on a more positive note.

Yours faithfully


Sign Digitally

Got the reply below Niddy so what offer/letter do we send now mate?

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Will they be able to find out how much I got back fromm my PPI claim?

doesn't matter in the slightest mate

[sam]

Re: Egg, Lowells, Barclaycard help..

Thanks Niddy, your a super star...

I'll get this sent tomorrow.

Will they be able to find out how much I got back fromm my PPI claim?

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Send this - best of luck.

* Chances are they'll knock it back, but it's a start in the right direction yea?

Dear Sirs,

Account No: XXXXXXXX

I write with reference to previous communication regarding an outstanding balance on the above mentioned account.

I cannot afford the amount stated, plus in light of all the interest and unlawful charges paid to date I propose a single payment of £200 in complete settlement of this account; thus meaning you agree that this account will be closed, in totality, with no further comeback regards to any possible written-off balance.

The alternative is the possibility that one of my other creditors will come back and accept the similar offer made to them, thus reducing the amount available to you, possibly delaying things into a several year payment plan as I can only afford £1 per month at best, if anything. This can be avoided by simple acceptance of my payment of £200 for full settlement and closure of this account.

To summarise, I am more than happy to settle for a single one-off payment of £200 to be made within 7 days of receiving your response, so long as this response agrees with and ensures that the following actions will be carried out;

1. You accept £200 in full & final settlement of this account with no reference or future ability to quote or use Penny v Cole [Pinnel 1602] in trying to recoup any written off balance;
2. The Status of the account will change from “Defaulted” to “Settled”;
3. The Current Balance will appear as £0.00;
4. The Default / Delinquent Balance will be set to £0.00;
5. You will update the entries on all 3 Credit Reference Agencies, namely Experian, Equifax & Call Credit

If you're happy with my proposal, please respond confirming each of the above points on official letter headed paper, confirming that you're happy for a single payment of £200; and I'll then send a cheque in the next day so we can close this and move on.

I look forward to your response and thank you for allowing us the opportunity to end matters on a more positive note.

Yours faithfully


Sign Digitally

[di30]

Re: Egg, Lowells, Barclaycard help..

Thanks Niddy, your a star.

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Ok bear with me. I'll post template to send later

[sam]

Re: Egg, Lowells, Barclaycard help..

£2138.45 owed to Lowells so we need to sort an offer out.
£295 I received back from EGG direct for the PPI claim.
I can afford £500 - £600 maximum.
I offered £300 then £400 F&F last year but both offers were refused. So we continued to challenge them on the "aproved limit" issue but got nowhere with it.

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Sorry - ignore above!! Ok so you owe £2200 or so and got the refund direct yea? We need to sort Lowell an offer....?

How much can you afford, I mean top line, to clear this?

As I say I'll pop back round 6pm

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

I emailed Niddy but got no reply which is unusual! Is Niddy busy with something?

Sorry mate - yea heaving with site stuff just now! Read the important announcement threads - it's tells you my whereabouts to an extent!

Ok f&f - just do me a fave and recap for me. I'll be back by 6 - got stuff to sort out but am here till 7am now so will pop back later

I got your email but got sidetracked. Sorry mate.

[di30]

Re: Egg, Lowells, Barclaycard help..

Sorry hun, maybe receiving stacks of messages i expect lol, i shall try for you ok x

[sam]

Re: Egg, Lowells, Barclaycard help..

I emailed Niddy but got no reply which is unusual! Is Niddy busy with something?

[di30]

Re: Egg, Lowells, Barclaycard help..

Well done Sam, that is fab, good work.
I'm sure Niddy will be along soon x

[sam]

Re: Egg, Lowells, Barclaycard help..

RESULT .....

Well I received a cheque this morning for £295.16 from those nice Egg people..

Thanks Di and Niddy..

OK Niddy what's our next move on the F&F offer to Lowells.

[sam]

Re: Egg, Lowells, Barclaycard help..

Thanks Niddy.
This any good Nid..

I have entered a complaint with EGG and will be reclaiming my PPI back which could empunge the debt. So I'm requesting you put the account on hold until after the claim has been sorted out.
I have attached the letter from EGG stating this.