Ghost_monkey Vs EGG some questions

[ghost_monkey]

hi everyone

Have worked out Egg own me £134.00 in charges for going over limit based on info online ( only gone over in last year so could get all info that way rather than data request).
So i've sent them I letter outlining charges and requesting refund and they have replyed with standard no we are no paying letter.
I am now a bit concerned as owe £4000 on credit card and looking at threads here looks like they will counterclaim and i cant afford to pay that all yet. Have claims with Barclays and Capital one going through and this is the smallest amount, so was wondering how much of a fight it will be

[maxine989]

I have been reading a lot about this and it seems that if Egg tried to close your account and make you pay the outstanding balance, this would be indeed breaking the code of conduct so you could apeal against it (if it did happen... and I am not saying they would). Althouh you may not be able to stop them closing/freezing your account, you would legally have to come to some sort of mutual payment agreement, where you agreed to pay a certain amount back each month and no-longer had the facilities of the credit card.

There would be consumer outrage if you ended up in strife for no fault of your own other than trying to claim yor own money back.

This is my opinion based on various info I have read up on, as I too am trying to claim from egg.

best of luck...

[ghost_monkey]

help please
Sent letter to Egg saying charges unfair etc and how much i expected to be refunded.
Egg have sent a letter back offering to pay the £200.00 now however they have also included this paragraph at the end of the letter
" it is our view that our relationship with you as a customer has broken down and we will be writing to you shortly to teminate your agreement. Any amounts due at this point will need to be paid to Egg, and you will need to make appropriate arrangements with us."
So are they going to close my account whether I take the money or not?, is this legal?, and will it effect my credit rating?.

[ghost_monkey]

hi have settled this with egg a while ago but unlike other two claims against Barclays and capital when settled did not cross out confidentuality clause so was wondering if i should report anything on this site or just leave it at that

[maxine989]

They are hardly likely to ask for it back if you break the confidentuality clause. I would write a letter to the court just to clarify that you did not accept their terms...

something like this... edit it to suit you:

Claim Number: ********
Claimant: ghost_monkey
Defendant: Egg Banking plc


Dear Sir/Madam

I recently won my case by default and entered the judgement requesting immediate payment. I wish to confirm that I have now received a full settlement.

In the correspondence from Egg it states that the judgement I obtained is a full and final settlement of my claim and that payment is made with no admission of liability and is subject to my agreement not to court publicity, or disclose or refer to any third arty the background of this matter. The defendant also states I must keep the terms of this settlement strictly private and confidential. I wish to inform the court that I accept the sum of £*,***.00 as a settlement although I do not agree to the defendant’s added terms.


Your Faithfully


ghost_monkey

Either send it to the court who dealt with your claim... if it had gone that far... or alter it slightly and send it to the bank. It just covers your back... not that you probably need to, but it seems to be the general consensus.

Hope this helps...

maxine

[Mistermind]

Originally Posted by ghost_monkey

..... was wondering if i should report anything on this site ......

I cannot see how reporting an outcome under a nom-de-plume can breach any confidentiality clause.

[maxine989]

Originally Posted by Mistermind

I cannot see how reporting an outcome under a nom-de-plume can breach any confidentiality clause.

I don't think ghost_monkey meant it like that Mistermind... I think the offer with conditions has threw him/her a bit and that he/she wasn't sure what to do.