CharlieHo V Egg

[charlieho]

Data Protection Act request in mail to Egg 02/05/06

The Data Controller
EGG BANKING PLC
1 WATERHOUSE SQUARE
138-142 HOLBORN
LONDON
EC1N 2NA
01 May 2006

Data Protection Act disclosure request

Dear Sir/Madam

Data Protection Act 1998 request for :

Mr xxxxx xxxxxxx Account Numbers:
Egg Loan No xxxxxxxxxxxxxx
Egg Card No xxxx xxxx xxxx xxxx
Egg Card No xxxx xxxx xxxx xxxx


Please send me the information which I am entitled to access under Section 7(1) of the Data Protection Act 1998 (the ‘1998 Act’) in relation to all charges which you have applied to my above noted account within the last 6 years from the date of this letter.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.

If you require any further information please let me know as soon as possible.

I enclose a cheque in favour of your bank in the sum of £10 with respect to the maximum statutory fee for processing this request.
Furthermore, if I discover that you have levied disproportionate penalties against me then I shall be reclaiming them and also reclaiming the enclosed £10 Data Protection Act disclosure fee.

I look forward to your response within the maximum 40-day time limit under the 1998 Act.

Yours sincerely

[Tinkerbelle]

Well done and keep us posted of events.

[charlieho]

Reply from EGG re Data Protection Act request

Your Data Subject Information Request (DSIR)


Thank you for your request for details of the personal data Egg holds about you, and accompanying cheque for £10. To enable us to process your request, please provide us with one of the identification documents listed below. In the case of joint accounts, each account holder must provide a separate item of identification.
Identification
Any of the documents listed below may be used for this purpose:
. A bank, building society or credit card statement
. A store card or catalogue statement
. A utility bill

The document must be an original, not a photocopy, and dated within the last 3 months. It must show your full name or first initial and surname and your current address. All documentation will be returned to you. If you are unable to provide any of the above items, please attach a letter confirming your identity. This must be an original, typed on headed paper, dated within the last three months and authenticated with an official stamp if applicable. It should be from your employer, soli.ciJor or other professional body or person.

....Infromation then about whats covered in the Data Protection Act request and where to get information that is not covered.......

Then (page 3)
. What happens now?
Once we have received your identification document we will begin processing your request. We will provide your data within 40 calendar days of receiving your completed form and fee. (have already paid fee no from included)

[charlieho]

My reply to Eggs request for identification

Ms Elaine Elwell
Account Servicing
Egg PLC
Point North
Brierley Hill
DYS1LU

11 May 2006

Data Protection Act disclosure request
(Data Subject Information Request (DSIR) –Your Ref xxxxxxx/xxx)

Dear Ms Elwell

Data Protection Act 1998 request for :

Mr XXXXXX XXXXX Account Numbers:
Egg Loan No xxxxxxxxxxxxxxxx

Egg Card No xxxxxxxxxxxxxxxx
Egg Card No xxxxxxxxxxxxxxxx

To enable you to process my request as requested, in my letter dated 01 May 2006 and repeated below for avoidance of doubt, I enclose a Council Tax Noticeas proof of my identity. This is in addition to the factthat the above address is the one, which you normally used to communicate my private business to me and that you have hitherto found to be acceptable, and my signature, hitherto accepted by you as an identifying mark, appears below and on my original request.

Please send me the information which I am entitled to access under Section 7(1) of the Data Protection Act 1998 (the ‘1998 Act’) in relation to all charges which you have applied to my above noted accounts within the last 6 years from the date of this letter.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.

Furthermore, if I discover that you have levied disproportionate penalties against me then I shall be reclaiming them and also reclaiming the £10 Data Protection Act disclosure fee.



You state under
What happens now?
“Once we have received your identification document we will begin processing your request. We will provide your data within 40 calendar days of receiving your completed form and fee.”

There was no form included with your reply and you have already received my Data Protection Act subject access request fee of £10.00 and sufficient information to process this request.

I look forward to your response within the maximum 40-day time limit (which ends on 12TH JUNE 2006 ) under the 1998 Act

Yours sincerely

[charlieho]

Data Protection Act request rec'd 17th June -INCOMPLETE

[charlieho]

My reply to Incomplete Data Protection Act

Jenny Gordon
Data Protection Manager
Egg PLC
Point North
Brierley Hill
DYS1LU

18 June 2006

Incomplete Data Protection Act disclosure request
(Data Subject Information Request (DSIR)–Your Ref xxxxxxx / xxxx dated 15th June 2006)


Dear Ms Gordon

Data Protection Act 1998 request for :
Mr xxxxx xxxxxxx Account Numbers:
Egg Loan No xxxxxxxxxxx

Egg Card No 4627 xxxxxxxxxxxxx
Egg Card No 4627 xxxxxxxxxx

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 11 May 2006.
These comprise of the following:
Copy of Personal Loan Agreement for Egg Loan No xxxxxxxxx and
Copies of screen dumps and statements for Egg Card No xxxxxxxxxxxxxxx

The disclosure of personal data is incomplete in that at least the following documents are missing.
1) You have failed to provide a complete list of transactions and charges for the following accounts; Egg Loan No xxxxxxxx and Egg Card No xxxxxxxxxxx
2)You have provided no notes, or documents relating to any legal action between you and myself.
This is not an exhaustive list by any means; it is just an example of some of the information I am missing.

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

You have a further 7 days to comply with my Data Protection Act 1998 request.

Yours sincerely

[hondamad21]

They asked me for ID as well. So I just sent them a secure message saying is this proof enough

hondamad21
Good luck by the way !

[charlieho]

Data protection Act complaint sent to Information commision Office rew no data one account

[charlieho]

Preliminary request for refund (on account that they sent info on )sent 07/08/06 -Only for£90.00 still better in pocket than in theirs.

[charlieho]

Reply rec'd re Preliminary request for refund (on account that they sent info on) also trying another angle of attck to remove default via CCA request

This letter is about your dispute
Dear CharlieHo

Re: Request for repavment of charges - Account number ****

Thank you for your letter dated 7 August 2006.

Your Credit Agreement("the Agreement") with Egg Banking plc ("Egg") clearly states that Charges (as defined in Condition 8 and set out in more detail in section 7 of the Agreement) will be added to your Account if you exceed your Credit Limit or fail to make or are late in paying your contractual repayments.

Egg does not believe that its Credit Agreement Conditions are in any way "unlawful". Egg recognises that customers sometimes exceed their Credit Limits and/or fail to make or are late in paying their required repayments and Egg therefore puts in place systems and processes to deal with the same. The Charges set out in Condition 7 of the Agreement are calculated by taking into account the aggregate costs incurred by Egg in maintaining those systems and processes and the estimated number of customers who will exceed the Credit Limits on their accounts and/or fail to make and/or be late in paying their required repayments. The amount of the Charges applied under Condition 7, therefore, represents a genuine pre-estimate of the loss caused to Egg by customers being late in and/or failing to make the agreed repayments and/or exceeding their Credit Limits.

Furthermore, Egg takes steps to try to ensure that you do not incur the Charges set .out under Condition 7. For example, the Credit Agreement Conditions require you to have a direct debit in place to make your monthly payment. This is done to ensure (as far as possible) that you do not inadvertently fail to make your repayments on the due date (and do not incur the relevant Charges under Section 7). With respect to observance of your Credit Limit, you are able to see your outstanding balance 24 hours a day on www.egg.com.This enables you to monitor your balance and manage your spending within your Credit Limit (and thereby avoid incurring any relevant Charges under Section 7).

If you have any concerns relating to information held about you by a Credit Reference Agency you should contact the agency directly. Egg uses the following agencies:
Equifax (Equifax File Advice Centre, PO Box 1140, Bradford, BD15US)
Experian (PO Box 8000, Nottingham, NG 1 5EX)
Call Credit (1 Park Lane, Leeds, LS3 1 EP).


Yours sincerely
Ema Clayton
Customer Relations Adviser Egg plc