SLUGs UE diary

[SLUG]

Re: SLUGs UE diary

Mate please remind me, what account is this for? A link to previous posts maybe.....?

Ha ha, Whoops! Sorry mate, its very easy to forget you are dealing with shed loads of people with multiple accounts - this is for the EGG account....I have also just had another letter related to this EGG account......

UPDATE 12/6/11 EGG
Have just received another letter from the DCA, saying they've noticed this account is still outstanding, but EGG will accept a reduced offer if I reply within 14 days. If I dont they may pass on to Trevor Munters solicitors-----
Right. The same Trevor Munters that sent me a letter over 2 weeks ago saying they were (maybe) about to take me to court?
They seem to be just going round in circles with standard letters right now ----Im totally happy to just ignore, I've sent everything I can in previous replies, including "this is my final response" letter I think.

This is the account history:


1. EGG CC
Approx balance: 10.5k

[size=5]1/07/10 - sent first CCA request
17/07/10 - received docs back (these are new print outs, not a true copy) DOES include the phrase "Approved Limit"
26/07/10 - sent first phone harassment letter. Also awaiting current judgement due September of EGG wording as noted by NID. Following that thread before making my next move.
27/07/10 - first call from Capital Credit Agency. Which is part of EGG, so the debt hasn't gone far yet.
03/09/10 - All phone calls stopped soon after I sent the request. Received letter saying they were allowed to call me, but not a single call for well over a month.
03/09/10 - just got a letter form CCA (part of egg) usual guff but with a new bit - your account "may" be forwarded to our specialist customer contact company - Resolve Call: that "may" request one of their contact managers to visit your home address.... I note they have still to default my account despite all this and months of non payment - come on! get on with it!
07/09/10 - "dont you think about coming to my house, muppets." letter sent.
08/10/10 - Finally! EGG has defaulted me, but it gives me 28 days to pay 1800 arrears before the default is registered with credit ref agencies. It says from 29/10 they will demand full settlement etc, instrunt solicitors or debt collection agency, teminate agreement etc.
07/12/10 - Account now with CDUK (a trading style of Improved Financial Solutions Ltd), they have been auto phoning me for about 6 weeks, with the odd real life person. Have now recieved my first threat-o-gram from them. "our client could take court action" etc and so on.
11/12/10 - sent letter as advised by NIDs - dont threaten me with leagal action etc
16/12/10 - Recieved phone message desputing my legal response above. Also recieved letter from Solicitors to a work address that pre-dates my legal letter above by a few days.
05/01/11 - Recieve about 2 missed calls from CDUK a week now, no postal contact recently. Yet to make formal complaint about harrasment at work, but will do as advised.
16/02/11 - bespoke Niddy letter sent off the Solicitors who have sent two letters to my work place.
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA, called ARC.
13/3/11 - Letter response from new DCA to previous letters saying they would look into it.
3/11 - Threat of Northhamton court from DCA "solicitor" T Munn. Responded with both previous letters I have sent.
14/4/11 - DCA have put account on hold while they investigate my reply.
24/5/11- letter from DCA "solicitor" Mr Trev Munn, same old letter, threat of Northampton court.
13/6/11 - letter from DCA offering a settlement for a reduced amount if I get in contact within 14 days.

[Never-In-Doubt]

Re: SLUGs UE diary

Once again I have recieved the letter from Trev Mun saying they have prepared all the darn paperwork for Northhampton courts and are ready to go - I can avoid this etc etc etc yawnnnnnnn.
A tthe same time my phone has gone daily with an auto-dialer or mobile number from the DCA. Oh yeah, like, after 12 months of ignoring I'm suddenly going to start answering?

I *really* think they are calling my bluff on this, their wording still contains "may" take court action.

Do I really need to send them the same letters again, considering I said last time this is my last coraspondance on the matter?
I'm happy to let this play out further.

Mate please remind me, what account is this for? A link to previous posts maybe.....?

[SLUG]

Re: SLUGs UE diary

Once again I have recieved the letter from Trev Mun saying they have prepared all the darn paperwork for Northhampton courts and are ready to go - I can avoid this etc etc etc yawnnnnnnn.
A tthe same time my phone has gone daily with an auto-dialer or mobile number from the DCA. Oh yeah, like, after 12 months of ignoring I'm suddenly going to start answering?

I *really* think they are calling my bluff on this, their wording still contains "may" take court action.

Do I really need to send them the same letters again, considering I said last time this is my last coraspondance on the matter?
I'm happy to let this play out further.

[Never-In-Doubt]

Re: SLUGs UE diary

See this: ---> Egg selling to Barclays

[Never-In-Doubt]

Re: SLUGs UE diary

...not an update, but a quick question:

EGG credit has been brought by Barclays Bank, and the old EGG cards are going to be run by Barclaycard.
Now my bank account is with Barclays, will this cause me an issue? Will they start linking back retrospectively? Thoughts?

Right of SetOff is a big issue, yes it will cause problems but not right now, wait till barclays start the full servicing of the old Egg account and then look at alternative banking or transfer funds into another account as soon as you can after payday....

I'll make a post about this shortly...... bear with me

[SLUG]

Re: SLUGs UE diary

...not an update, but a quick question:

EGG credit has been brought by Barclays Bank, and the old EGG cards are going to be run by Barclaycard.
Now my bank account is with Barclays, will this cause me an issue? Will they start linking back retrospectively? Thoughts?

[scarednshakin]

Re: SLUGs UE diary

But it is a happy kind of mad!!!!

[Never-In-Doubt]

Re: SLUGs UE diary

Heh... this is becoming quite circular really - Im now back in ignoring mode

You'll soon get used to it mate - at first you are sane and before long you're stark raving mad (when you deal with lenders/dca's and their muppet friends etc)

[SLUG]

Re: SLUGs UE diary

Yep, just ignore for now and see if they do indeed send to their legal team, then we'll fire off a threat of litigation - yea?

Heh... this is becoming quite circular really - Im now back in ignoring mode

[Never-In-Doubt]

Re: SLUGs UE diary

I think all I can do now is ignore right? See what move they make?

Yep, just ignore for now and see if they do indeed send to their legal team, then we'll fire off a threat of litigation - yea?

[SLUG]

Re: SLUGs UE diary

1. EGG CC
Approx balance: 10.5k

[size=5]1/07/10 - sent first CCA request
17/07/10 - received docs back (these are new print outs, not a true copy) DOES include the phrase "Approved Limit"
26/07/10 - sent first phone harassment letter. Also awaiting current judgement due September of EGG wording as noted by NID. Following that thread before making my next move.
27/07/10 - first call from Capital Credit Agency. Which is part of EGG, so the debt hasn't gone far yet.
03/09/10 - All phone calls stopped soon after I sent the request. Received letter saying they were allowed to call me, but not a single call for well over a month.
03/09/10 - just got a letter form CCA (part of egg) usual guff but with a new bit - your account "may" be forwarded to our specialist customer contact company - Resolve Call: that "may" request one of their contact managers to visit your home address.... I note they have still to default my account despite all this and months of non payment - come on! get on with it!
07/09/10 - "dont you think about coming to my house, muppets." letter sent.
08/10/10 - Finally! EGG has defaulted me, but it gives me 28 days to pay 1800 arrears before the default is registered with credit ref agencies. It says from 29/10 they will demand full settlement etc, instrunt solicitors or debt collection agency, teminate agreement etc.
07/12/10 - Account now with CDUK (a trading style of Improved Financial Solutions Ltd), they have been auto phoning me for about 6 weeks, with the odd real life person. Have now recieved my first threat-o-gram from them. "our client could take court action" etc and so on.
11/12/10 - sent letter as advised by NIDs - dont threaten me with leagal action etc
16/12/10 - Recieved phone message desputing my legal response above. Also recieved letter from Solicitors to a work address that pre-dates my legal letter above by a few days.
05/01/11 - Recieve about 2 missed calls from CDUK a week now, no postal contact recently. Yet to make formal complaint about harrasment at work, but will do as advised.
16/02/11 - bespoke Niddy letter sent off the Solicitors who have sent two letters to my work place.
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA, called ARC.
3/11 - new DCA, ACC ltd. I copied the letters sent previous solicitors and DCA to new DCA with a note saying this applies to you too.
13/3/11 - Letter response from new DCA to previous letters
3/11 - Threat of Northhamton court from DCA "solicitor" MR Munn. Responded with previous letters.
14/4/11 - DCA have put account on hold while they investigate.
5/11 - sent letter as advised by Niddy (final response)
16/5/11 - three letter recieved - from EGG and DCA

I have actually recieved 3 letters in reply to my Final Response letter.
The first is a copy of a previous letter, the second is a letter from the DCA saying EGG have said eveything is fine and they are proceeding to chase the money - send us your financial breakdown and offer within 10 days etc etc or we will pass on to solicitors if not etc etc.

The actual letter from EGG is probably a standard response to this, doubt you need a copy?
The gist:
You have asked for a copy of the original signed doc, we are not obliged to provide you with this......they then quote Carey vs HSBC.....We have complied, you are not entitled to any further documentation.
If you wish to see further evidence of your application, recieved online, you can request this through DSIR for a 10quid fee. We would have 40 days to process this request.
The document provided constituted a true copy of the agreement etc etc.

I think all I can do now is ignore right? See what move they make?

[Never-In-Doubt]

Re: SLUGs UE diary

Just to note - this letter asks for my "token offer" of payment, slightly different tack from the previous wildly threatening "Northamton Court/please pay full amount" approach they like to take.

[Never-In-Doubt]

Re: SLUGs UE diary

Climb back aboard the EGG train once more.....

New DCA letter, the jist: "We have heard back from our clients, they say your complaint is rejected, therefore you still owe the debt. Please send us your budget sheet and offer for repayments. If we dont hear from you within 14 days we will pass the account back to our solicitors for further action."


Um, go on then.

Send this: ---> Debtors Final Response - CCA Received

[SLUG]

Re: SLUGs UE diary

Climb back aboard the EGG train once more.....

New DCA letter, the jist: "We have heard back from our clients, they say your complaint is rejected, therefore you still owe the debt. Please send us your budget sheet and offer for repayments. If we dont hear from you within 14 days we will pass the account back to our solicitors for further action."


Um, go on then.

Just to note - this letter asks for my "token offer" of payment, slightly different tack from the previous wildly threatening "Northamton Court/please pay full amount" approach they like to take.

[SLUG]

Re: SLUGs UE diary

1. EGG CC
Approx balance: 10.5k

[size=5]1/07/10 - sent first CCA request
17/07/10 - received docs back (these are new print outs, not a true copy) DOES include the phrase "Approved Limit"
26/07/10 - sent first phone harassment letter. Also awaiting current judgement due September of EGG wording as noted by NID. Following that thread before making my next move.
27/07/10 - first call from Capital Credit Agency. Which is part of EGG, so the debt hasn't gone far yet.
03/09/10 - All phone calls stopped soon after I sent the request. Received letter saying they were allowed to call me, but not a single call for well over a month.
03/09/10 - just got a letter form CCA (part of egg) usual guff but with a new bit - your account "may" be forwarded to our specialist customer contact company - Resolve Call: that "may" request one of their contact managers to visit your home address.... I note they have still to default my account despite all this and months of non payment - come on! get on with it!
07/09/10 - "dont you think about coming to my house, muppets." letter sent.
08/10/10 - Finally! EGG has defaulted me, but it gives me 28 days to pay 1800 arrears before the default is registered with credit ref agencies. It says from 29/10 they will demand full settlement etc, instrunt solicitors or debt collection agency, teminate agreement etc.
07/12/10 - Account now with CDUK (a trading style of Improved Financial Solutions Ltd), they have been auto phoning me for about 6 weeks, with the odd real life person. Have now recieved my first threat-o-gram from them. "our client could take court action" etc and so on.
11/12/10 - sent letter as advised by NIDs - dont threaten me with leagal action etc
16/12/10 - Recieved phone message desputing my legal response above. Also recieved letter from Solicitors to a work address that pre-dates my legal letter above by a few days.
05/01/11 - Recieve about 2 missed calls from CDUK a week now, no postal contact recently. Yet to make formal complaint about harrasment at work, but will do as advised.
16/02/11 - bespoke Niddy letter sent off the Solicitors who have sent two letters to my work place.
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA, called ARC.
3/11 - new DCA, ACC ltd. I copied the letters sent previous solicitors and DCA to new DCA with a note saying this applies to you too.
13/3/11 - Letter response from new DCA to previous letters
3/11 - Threat of Northhamton court from DCA "solicitor" MR Munn. Responded with previous letters.
14/4/11 - DCA have put account on hold while they investigate.
28/4/11-The DCA are back.

Climb back aboard the EGG train once more.....

New DCA letter, the jist: "We have heard back from our clients, they say your complaint is rejected, therefore you still owe the debt. Please send us your budget sheet and offer for repayments. If we dont hear from you within 14 days we will pass the account back to our solicitors for further action."


Um, go on then.