Not such an Egg Head!

[Empire Strikes Back]

Hi all,
Hows this, rang Egg yesterday asking for statements, they said that there would be a fee, :o I then informed them that under the Data Protection Act I was entitled to the statements foc, the statements have now arrived this morning at no cost to me. I have now looked through them and sent Egg the Request for Payment Charges letter, will keep you posted as to how I get on.
Still plodding on with Lloyds, are up to £17,000 charges so far on the two accounts we have with them.

[Empire Strikes Back]

Egg have their 14 day Court Letter and reply from them is usual, waffle about

"if you are unhappy etc go to the ombudsman"

They are going to get a letter from me now saying pay up or I will and go to court, they only owe me £420, so they could double that amount

Ombudsmans fee £370
Court Fee £20
My interest £45+

Its their choice

[rivendale0506]

Well this just goes to prove that the banks/financial institutions have absolutely no idea when it comes to the Data Protection Act. To take the word of someone complaining that they are entitled to their statements FOC under the DPA when in fact they are legally allowed to charge a maximum of £10 is laughable. Still their loss, not yours...

[BankFodder]

Originally Posted by Empire Strikes Back

Hi all,
Hows this, rang Egg yesterday asking for statements, they said that there would be a fee, :o I then informed them that under the Data Protection Act I was entitled to the statements foc, the statements have now arrived this morning at no cost to me. I have now looked through them and sent Egg the Request for Payment Charges letter, will keep you posted as to how I get on.
Still plodding on with Lloyds, are up to £17,000 charges so far on the two accounts we have with them.

Be very careful how you deal with this. Pm me when you are ready.
have you started a thread on LLoyds?

[Empire Strikes Back]

Hi all,Had the standard junk letter from them,we come against another problem with egg im not sure what to do with?credit card protection insurence dont remember ever taking or asking for it but its there can i do anything about it,I rang them and stoped it last month but they still took it from my account

[bankoff]

Hi from Bankoff

Well, I'm absolutely GOBSMAKED.

Am working out Fees, Repayment Protection, etc for my mate Empire Strikes Back. I'm the part-time bookkeeper! AND I hate banks. See this all the time in my job.

Egg have sent him statement going back to JUNE 00.

Statement reads £0.00

Spent £1.50
Paid £1.50

Bear in mind this is JUNE 2000.

Next Statement FEBRUARY 2001

Opening Balance £0.00

Spent £75.46
Spent 2.00
Paid 2.00
Spent £229.59
THEN
SUDDEN APPEARANCE OF "Credit Card Repayment Protector" £1.79

WHERE HAS THIS BEEN FOR THE LAST 6 MONTHS??????????

So it looks as though this was not signed up for in the first place.

ALSO there were 6 extra statements enclosed with this lot (Definitely Duplicates) so I think they may have been trying to throw us off the scent!!!!!!!!!!

I SMELL A ROTTEN EGG HERE, what do you think??????

I am now dividing up all the items on the statements, adding up what was spent. Adding on their interest for the amount that was spent. Then deducting the payments Empire Strikes Back has already made, then they will get the most verbal letter that have had in their rotten egg lives*%$*%!!!!!

[bankoff]

I acknowledge receipt of your letter dated 17 March 2006 and undated letter of March 2006.

In my letter of 25th March 06, I asked you for payment of the unfair charges you have levied against me to the sum of £420. I am still also waiting for a copy of my agreement with you. Email plus attachment of 5th April 2006 requesting this.

However, from going through my statements again, I see that my card was taken out with you in June 2000, and that there was no Credit Card Repayment Protection taken up with you at the time.

How then do you explain that you suddenly added to my account in February 2001 (SIX MONTHS LATER) “Credit Card Repayment Protection”.

I would like to point out to you that this is something which I always refuse anyway as I am self employed, and as such it is of no use to me. Being self employed I do not qualify under the terms of this Insurance. You have therefore been misguided in you effort to extract money from me by these devious means.

I have worked out that on top of the £420 that you have unlawfully charged me in Unpaid Fees, there is a sum of £1807.47 for “Credit Card Repayment Protection” which you have also unlawfully charged me. You have failed to conduct yourselves lawfully and in a manner which complies with UK Law.

I therefore request that you reimburse these amounts to my Credit Card, plus the interest on these unlawful charges within 7 days, failing this I shall enter a claim against you for these amounts plus interest, plus my costs.

Yours etc


"Would like some opinions on this one, Egg have clearly messed up with the CCPP and would like to maximise on this. They are not being very co-operative at the moment.

Would you like faxed copies of these two statements Bank Fodder?

[dw190]

This "Protection Payment Plan" seems to be automatically added to accounts at the six month stage. I have had an an egg card for some two years for the interest free periods. I heve not encountered any debits for PPP.

If Egg has collected this PPP without authority on a number of accounts it may amount to a criminal matter. If this was the case it would then be ever so easy to get the unlawful charges repaid with punative damages.

[Mrs Goggins]

Originally Posted by bankoff

Hi from Bankoff

Well, I'm absolutely GOBSMAKED.

Am working out Fees, Repayment Protection, etc for my mate Empire Strikes Back. I'm the part-time bookkeeper! AND I hate banks. See this all the time in my job.

Egg have sent him statement going back to JUNE 00.

Statement reads £0.00

Spent £1.50
Paid £1.50

Bear in mind this is JUNE 2000.

Next Statement FEBRUARY 2001

Opening Balance £0.00

Spent £75.46
Spent 2.00
Paid 2.00
Spent £229.59
THEN
SUDDEN APPEARANCE OF "Credit Card Repayment Protector" £1.79

WHERE HAS THIS BEEN FOR THE LAST 6 MONTHS??????????

So it looks as though this was not signed up for in the first place.

ALSO there were 6 extra statements enclosed with this lot (Definitely Duplicates) so I think they may have been trying to throw us off the scent!!!!!!!!!!

I SMELL A ROTTEN EGG HERE, what do you think??????

I am now dividing up all the items on the statements, adding up what was spent. Adding on their interest for the amount that was spent. Then deducting the payments Empire Strikes Back has already made, then they will get the most verbal letter that have had in their rotten egg lives*%$*%!!!!!

Definite rotten egg!!

[Mrs Goggins]

Hi Bankoff, my husband had the same problem with payment protection suddenly appearing on statements. He's never requested nor ever wanted it from the offset - this wasn't with Egg though, it's with MBNA card. After several phone calls they have refunded it back onto card.
Good luck with claim anyway!

[uklad79]

This is what I have found with my loan. They added PPI without asking when I topped up my loan. I wouldn't have said yes to it and only found out that when I called and they said they would refund it they didn't refund it all. They are scamming people they are crooks as they are using the tactics a dodgy sales man would use. I don't know what to do as they took £400 off me I have started a thread on it and have now found out from reading around it wasn't just me they scammed.

[scotia]

i have had the same problem...check my main thread in EGG......they have charged me nearly 700 quid in PPI......and they cant seem to find the original conversation when i supposedly took it out.....so i am on my 2nd letter to try and get it back, they have got another 14 days, then its off to court we go.........

I asked them for proof of conversation, and have it in writing that they can't find it....so i take it they dont have a leg to stand on ??

[Empire Strikes Back]

We put in the court claim for the charges and also the PPI on 24th April this has been acknowledged by Egg and they have 28 days to reply with their defence. We were in two minds about claiming for the PPI but as we had never asked for it,( we have requested our original agreement to prove that we never requested the PPI but they dont seem able to come up with it!) we thought s-d it lets go the whole hog! The charges are £440.00 and the PPI is £1807.00. Just got to hang in there and wait now, will keep you posted when anything happens.

[laffar]

I've also just noticed the Payment Protection charges on my egg card. Upon asking them to prove that i've explicitly requested this "service" they've confirmed it's never been requested, and as a goodwill gesture they would refund the last 3 months .... How generous? They did try to justify themselves by saying they are an online company and expect customers to check for unauthorised charges .... isn't that exactly what i've done!!???

Anyway I've responded to them saying its a completely unsatisfactory solution and expect all PP's refunded or i would seek legal advice.

Just a quick question though ... can i get back all PP charges since opening my egg account (sometime in '99) or can i only go back 6 years for this?

[Empire Strikes Back]

On the last day possible Egg have sent in their defence so are now waiting on the Allocation questionairre. On the bottom of their defence letter they are going for a counterclaim which reads:-
"In the event that the Court finds that the default charges levied on the Claimant do constitute an unfair penalty and are thus enforceable, the Defendant counterclaims for the actual cost to the Defendant of dealing with the Claimant's breach of contract in exceeding his credit limit, such costs to be assessed by the court.
The defendant counterclaims further for all and any other sums which may be due and payable by the Claimant to the Defendant as at the date of judgement."

Anyone else had this on their Defence from Egg, any mods out there who would like a copy of the defence let me know and I can scan it and pm you. Ayone had any money back from them yet

[laffar]

..

[laffar]

That doesn't look very nice ... are they saying they'll claim what costs they did incur (as defined by the courts) and the credit card balance is to be paid off? I don't know, probably understood this incorrectly as there are a lot of long words there!!



An update at my end, after requesting all of the PP back i had another customer service person reply the following:

"I apologise for my colleague's previous reply however I can see that you actually requested this cover on application for your Egg Card."

(the colleague said i hadn't requested it)

I've asked them to prove i requested it ... do they have to??

[Empire Strikes Back]

Hi, update egg filed there defence and counterclaim but havent paid the fee they have until june 2nd to do so