Bathgatebuyer v Egg

[bathgatebuyer]

Hiall - I've decided to tackle the charges which have accrued on my Egg card over the past 5 (I think) or so years.

In terms of sending off my Subject Access Request, can anyone confirm the address to use?

Also, what is the general feeling in terms of dealing with Egg? Are they reasonable or not to deal with? I think there's probably about £300-£400 charges on this account which largely accrued when i was unemployed.

Grateful for any thoughts or advice.

[bathgatebuyer]

Ok everyone, that's my Subject Access Request request sent off with £10 postal order. Have also sent them a secure message which tells them directly to expect the Subject Access Request request.

Hopefully this will be relatively straighforward as it involves card and not bank charges. Going by what has been said on this and other forums, any refund tends to be reasonably quick - anything to help reduce the balance of this asap.

At the moment, the balance of the account is over £1800 which I've reduced from £2,200 about 5 months ago so progress is definitely being made in the right direction! I'm now making regular payments to this account of £110 per month the day after my pay day, so things are whittling away nicely - but every little bit will help.

I've also asked if they would consider lowering the 21.5% APR given that they have closed the account at their choice, but they have refused.

[PGH7447]

Did you ask for your credit agreement and t+C's on the Subject Access Request?

[bathgatebuyer]

No - I just used the standard Subject Access Request letter, but will be pulling them up for not sending me everything under the Subject Access Request request.

I've received all my statements tonight and have worked out that with the 8% interest, Egg owe me a little under £350. It's quite a healthy sum given that it's about a quarter of the remaining balance of the card so anything I can do to get this back will make quite a difference to my financial situation.

Can only ask!

[bathgatebuyer]

I sent a secure message to Egg and asked them about the CCA being missing from the details they've sent me and they've came back with:

You can view the Credit Card Agreement on the Egg website, by following the instructions below:

*Type 'www.egg.com' into your web address bar.
*On the right, select 'Egg Card-find out more'.
*On the right select 'Small print'.
*Then select 'Egg Card Credit Agreement'.

This then takes you to the small print for their present offers but doesn't seemto relate to my account.

You took out the Egg Card repayment protec

[bathgatebuyer]

Those lovelies at Egg have since written back and offered me £16 to go away. That will be shining bright. They get one more letter to give me it back or I'm off to court.

[militantconsumer]

They have a cycle of 3 standard letters before you get it all back. No need to go to Court.

[militantconsumer]

Hey, hey, hey, grab your PPI refunds here....!

Egg Card fined for PPI mis-selling!!!!!
http://news.bbc.co.uk/1/hi/business/7775496.stm

[bathgatebuyer]

Great isn't it???! I've had the holding response to my 1st letter from them over my request to have my PPI premiums back. Hopefully this is going to sway their minds somewhat!