V-E Day: Victory over Egg

[Mistermind]

Dear pussycat,

With your hearing on Monday there is hardly much time left, and not everyone visits this site every day. To ensure making contact in time, I would have thought it best for yourself to send a PM with as much tact as urgency, to the 3 winners who were happy to make public their unconditional victory. Best of luck!

I have always got on well with cats, so am not scared of same.
But to the Egg I say: be afraid, be very afraid.

[kazzaw]

Originally Posted by angry cat

It would really help me and other future Claimants against Egg, if the County Court Claim Numbers plus amount claimed could be added to your roll of honour. Obviously, the members Claim Numbers, who accepted the confidentiality clause should not be added.

Angry Cat

Here's mine:

KAZZAW V EGG

Claim number: 6QZ73946
Issued: 17.10.06
Court: MCOL
Charges: £300
Interest: £93.51
Costs: £50
Total Claim: £443.51

Transferred to Mansfield County Court. Bundle to be submitted by 18/01/07.

Received cheque for full settlement inc interest to 20/01/07, £451.79 on 16/1/07

Hope that helps AC.

[angry cat]

Thank You So Much!!!

Love AC

[kateandpete]

And mine..
kateandpete vs. Egg
Claim number: 6WA02787
Court: Warrington County Court
Issued:16/11/06 approx
Acknowledged: 28/11/06
AQ's filed by: 08/01/07
Settlement in full sent on: 9/01/07
Total sum: £456.72 (of which £320 charges, remainder interest charged on penalties, 8% interest on both and...)
Court fees: £50

[Mistermind]

Possession may be nine points of the law,
but the tenth point has arrived -- repossession by bailiffs:


http://www.dailymail.co.uk/pages/live/articles/news/news.html?in_article_id=4 30129&in_page_id=1770&in_ page_id=1770&expand=true# StartComments

Customer sends bailiffs in to seize bank's computers

Declan Purcell: Striking a blow for the customer

A man who was fed up with paying massive bank charges decided to give one of the high street giants a taste of its own medicine. When Royal Bank of Scotland refused to refund £3,400 charges that Declan Purcell believed he was owed, he sent in the bailiffs.

Stunned customers at his branch of RBS watched as debt collectors seized four computers, two fax machines and a till filled with cash. The branch manager was told that the items would be sold unless RBS came up with the money owed to Mr Purcell. Only when the manager gave an undertaking that the debt would be paid did the bailiffs leave.

Mr Purcell said: "I think the bank was pretty shocked when the bailiffs went in. But my view is that this is exactly what they would have done to me." The move, which will raise a cheer from millions of other bank customers, is part of a consumer fightback against bank charges, which net an estimated £4.5 billion every year.

Every time a current account customer goes overdrawn by as little as £1 most banks will charge around £28, even though the administration cost is only about £4.50. Then every cheque, direct debit, or card transaction that goes through or is bounced incurs another charge of up to £38. The Office of Fair Trading is investigating whether banks have implemented these charges unlawfully. The Daily Mail's Fair Play on Charges campaign and that run by the Consumer Action Group have helped thousands reclaim charges in the past year.

Like other customers Mr Purcell, 48, from East London, had warned his bank that he was prepared to go to court to claim back charges he believes were imposed unlawfully. In June last year he demanded the refund of £3,400 charges he accrued during the previous six years while running a motorcycle dealership. RBS ignored the claim so in October Mr Purcell filed an online application to get the money back through the county court.

After 30 days the bank had not responded and so on December 10 the court ruled in Mr Purcell's favour. It ordered RBS to pay the charges and £120 court costs. When RBS again failed to respond Mr Purcell got the court to give him a warrant of execution, allowing him to order debt collectors to reclaim items from the bank equal in value to the amount he was owed.

Finally on Monday, January 8, a team of debt collectors walked into the busy Camden Town branch in North London, demanded to see the manager, showed their court order and announced that they were repossessing items.
Mr Purcell, who now works for London Underground, said: "I was dismayed by the bank's reaction when I made my claim for a refund – it was so rude and arrogant. They thought they were above the law, so it is great to know that customers can use the law in the same way the bank does to get money they are owed."

A spokesman for RBS said: "We are looking into this as a matter of urgency, but early indications suggest that unfortunately due to an administrative error, the bank failed to defend the claim leading to a default judgment being obtained on the branch and a resulting warrant. "The confusion was cleared up at the branch."

Marc Gander, who set up campaign website Consumer Action Group, which helps consumers get refunds from their banks, said: "I am quite sure that Mr Purcell will not be the last person to send bailiffs in to his bank. The continued operation by UK high street banks of their unlawful charges regimes will see to that. "The heavy-handed debt collecting approach is something that the banks have been handing out to their customers for years. Mr Purcell simply gave them a bit of their own back."

[Mistermind]

2nd February 2007 - Westwell (without confidentiality clause)

CAG Claimants 13 - EGG nil

[Mistermind]

10th February 2007 - Benham3160 (without confidentiality clause)

CAG Claimants 14 - EGG nil

[Mistermind]

Roll of Honour - full refund won from Egg

.5th December 2006 - Yasmin
13th December 2006 - Mcuth
20th December 2006 - Admanbo80
21st December 2006 - Johnnie Reclaim
21st December 2006 - blackcatchillers
22nd December 2006 - Joa
28th December 2006 - waynedear
28th December 2006 - Sassylass
28th December 2006 - Feergal71
13th January... 2007 - Kazzaw.....… (without confidentiality clause)
13th January... 2007 – KateandPete. (without confidentiality clause)
18th January... 2007 – Schnide…… (without confidentiality clause)


2nd February.. 2007 – Westwell….. (without confidentiality clause)

10th February. 2007 - Benham3160 (without confidentiality clause)

15th February.. 2007 - Livelylad
19th February.. 2007 – Odd Fellow

Claimants 16 – Egg 0


Such a tidal wave of new victories coming from all fronts that this scoreboard can hardly keep up -- any victories missed out please kindly tip us off by PM or posting.

Perhaps CAG Admin might consider the idea: on the index page to give all the successful refund threads a green background to hearten other claimants still running the obstacle course?

[Mistermind]

25th February.. 2007 – banofi

Claimants 17 – Egg 0

[Mistermind]

26th February.. 2007 – Empire Strikes Back

Claimants 18 – Egg 0

[Mistermind]

28th February.. 2007 – THFC4EVER (with no confidentiality clause)

Claimants 19 – Egg 0

[Mama Bear]

Please can somebody help me? I have had a loan with barclays for over 2 years now, and recently, upon speaking to them, found out that they had registered a default against me back in Nov 05. However, what they did say is that they had no choice but to do it - eh? Id had a run of bad luck, and had been making payments to my loan as often as I could (i was made redundant twice in one year), and kept egg fully updated about my situation. they rearranged my loan agreement to extend the terms and bring the payments down, but they DID NOT tell me that they had registered a default against me. is there anything that i can do??

[Mama Bear]

oops - sorry everyone, wrote barclays, meant EGG
have another claim in progress against barclays, sorry, my error!

[Mistermind]

Egg prides itself for being the only the internet-based card that does not send out paper statements and letters. They do not even use the public email system, preferring to use their own "secure mail" which can only be read by the user logging onto Egg. If an user forgets her password and she rings Egg, she can expect half an hour of muzak before speaking to an Egg employee, famous for being unhelpful.

Mama Bear,

If you need documentary evidence to prove the sequence of events, Egg is legally obliged to provide same for £10, taking probably 4 weeks.

Before the Default Notice is issued there needs to be one warning which Egg is obliged to issue. Did you get such a warning at all via Egg Secure Mail? Is there a trail of same or have you deleted past messages?

Did you suffer many unlawful Overlimit Punitive Penalties as well as Late Payment Penalties? If your Defaulting situation was exclusively or mainly due to the levying of unlawful charges, then as charges are refunded it seems equitable for the Default Notice to be deregistered -- i.e. you would not have seriously defaulted but for said unlawful penalties plus unlawful interest taken from your account by force.

I gather Default Notice is a necessary Notice of Forthcoming Intent before escalating to debt collection etc, but if you have documentary evidence to prove that before issuing Default Notice in November 2005, Egg was already negotiating with you re amicable loan rescheduling, then there would seem little justification for Egg all set to make peace with one hand but declaring war with the other. Egg of course are famous for left and right hands not on speaking terms.

Jasmin won full refund, then continued to pursue Egg for removal of her Default. Her long threads will probably give you best info on the process. Good luck!

[Mistermind]

Roll of Honour

Holders of the O.B.E. – the Order of the Beaten Egg

21st November 2006 - barcote…… (won in court)
23rd November 2006 - Maroonfox5
..5th December 2006 - Yasmin
13th December 2006 - Mcuth
20th December 2006 - Admanbo80
21st December 2006 - Johnnie Reclaim
21st December 2006 - blackcatchillers
22nd December 2006 - Joa
28th December 2006 - waynedear
28th December 2006 - Sassylass
28th December 2006 - Feergal71
13th January… 2007 - Kazzaw.....… (without confidentiality clause)
13th January.... 2007 – KateandPete. (without confidentiality clause)
18th January.... 2007 – Schnide…… (without confidentiality clause)
2nd February... 2007 – Westwell….. (without confidentiality clause)
10th February.. 2007 - Benham3160 (without confidentiality clause)
15th February.. 2007 - Livelylad
19th February.. 2007 – Odd Fellow
25th February.. 2007 – banofi
26th February.. 2007 – Empire Strikes Back
28th February.. 2007 – THFC4EVER (with no confidentiality clause)

Claimants 21 -- Egg 0

[Karnevil]

Mistermind - what do you know about Fee Assessments on Egg Loan accounts ?