Egg CC Payment Potection Plan, wtf!?

[Semi]

here is my Email log to egg. basically where do i stand here as i really really did not autorise this. i am so so against this money making scheme. it makes my blood boil.!

thanks.

Dear James

Your account is now being dealt with by Credit Solutions.

You'll need to contact them on the following number - 0870 3000 595 with any queries that you may have.

If you've any further questions then please contact me.

Thanks for your message.

Regards

Jon Winwood
Internet Customer Services



-----Original Message-----


Date: 02 Mar 2007
Time: 20:28
Subject: CREDIT CARD REPAYMENT PROTECTOR

please provide me with evidence of this call.

i am also very disapointed in how this is being handled.

be aware 14 days still stand from previous corrospondence.
i have logged all these messages so far.

regards James.



-----Original Message-----


Date: 02 Mar 2007
Time: 15:48
Subject: CREDIT CARD REPAYMENT PROTECTOR

Dear James

I apologise for the confusion.

card repayment protection was applied to your Egg Card following a phone call on 9th July 2004 in which you agreed to take out this product.

Due to this I'm unable to refund any charges applied to your Egg Card.

If you've any questions, please feel free to contact me.

Regards

Lucy Whitehouse
Internet Customer Services



-----Original Message-----


Date: 01 Mar 2007
Time: 17:41
Subject: CREDIT CARD REPAYMENT PROTECTOR

Following not Receiving documents on this matter within the 14 days.

I can confirm you do not have the grounds to Charge me for this service.

You have confused your stories of supplying me with the correct information.

a. Dear James, Thank-you for your e-mail, with regards to the credit card repayment protector, this was set up by you when you opened your credit card with egg. I can confirm when you opened the account you ticked the box online for this to be applied to your account, Regards Helen O`Connor

b. Dear James I can see card repayment protection was applied to your Egg Card on 9th July 2004 following a phone call. Regards Hayley Reynolds

As you can see you say i have taken the credit card protection on 2 seperate occasions.
when i know for a fact, i never would have even taken this service.

Please Refund the Charges to my card for the intire Period this service was charged to my account within 14 Days. otherwise i will take further action, also reporting you to the OFT and Obudsman.

Regards

James



-----Original Message-----


Date: 15 Feb 2007
Time: 11:02
Subject: CREDIT CARD REPAYMENT PROTECTOR

Dear James

I can see card repayment protection was applied to your Egg Card on 9th July 2004 following a phone call.

I've requested this call to be retrieved so that I can listen to.

As soon as i've listened to this I'll get back into touch with you and tell you the outcome of this.

Thanks for your message and I'll be in touch with you shortly.

Regards

Hayley Reynolds
Internet Customer Services



-----Original Message-----


Date: 08 Feb 2007
Time: 13:26
Subject: CREDIT CARD REPAYMENT PROTECTOR

Please provide me with a copy of the agreement, showing where i 'confirmed' CREDIT CARD REPAYMENT PROTECTOR

provide the dates for this agreement.

I keep all my Bank Paperwork, and have no record of CREDIT CARD REPAYMENT PROTECTOR Agreements or any other literature against my Egg Account.

If i do not receive the above documents by post within 14 days, i will accept that you have no evidence to back the Agreement you claim i Authorised and Aknowleged. after these 14 days i will pursue the reclaiming of the CREDIT CARD REPAYMENT PROTECTOR Charges and the incurred interest directly from these charges.

regards

James Semerdak



-----Original Message-----


Date: 08 Feb 2007
Time: 08:56
Subject: CREDIT CARD REPAYMENT PROTECTOR

Dear Mr Semerdak,

Thank you for your secure message.

So that we can reset the Direct Debit quickly, please confirm your bank details;
*Account number
*Sort code
*Account holder's name
*Payment amount (minimum/ fixed amount/ full balance)

I have cancelled your Card Repayment Protector as requested; please allow 30 days for any residual payments to go through.

If you are having trouble finding the money to make your monthly payments, you do not have to worry on your own. We have an expert team who can talk to you about alternative payment options and help you to get on top of your finances. Please use the link below to provide us with a phone number and a convenient time for us to call.

www.egg.com/letsworktogether

If you would like to phone us then please call 0845 6000 296.
As your account has fallen into arrears, you have been issued a Default Notice which gives 28 days to clear the arrears. Failure to do so will result in the account being terminated.

In the meantime, please refrain from using your card until there is sufficient credit available.

Regards
David Curzon
Borrowing Management





-----Original Message-----


Date: 05 Feb 2007
Time: 18:34
Subject: CREDIT CARD REPAYMENT PROTECTOR

please cancel the protecor service from my account.

regeards, James



-----Original Message-----


Date: 29 Jan 2007
Time: 10:42
Subject: CREDIT CARD REPAYMENT PROTECTOR

Dear James,

Thank-you for your e-mail, with regards to the credit card repayment protector, this was set up by you when you opened your credit card with egg. I can confirm when you opened the account you ticked the box online for this to be applied to your account, with regards to any refunds on your account, we do not refund for credit card payment protector. If you no longer require this we can cancel this.

Please can you call into the borrowing Management Department to discuss your account, as it appears to be in arrears & overlimit, so we do need to discuss this ASAP.

Our contact number is 0845 6000 296

Kind Regards
Helen O`Connor
Borrowing Specialist



-----Original Message-----


Date: 23 Jan 2007
Time: 19:34
Subject: CREDIT CARD REPAYMENT PROTECTOR

Please explain why this is inforce on my Account? I have never asked for this or approved or agreed to CREDIT CARD REPAYMENT PROTECTOR. and as i have recently looked at my statments it seems clear you have been debiting my account every month.

I have never ever had or taken out this type of service on anything in my life, because it is just a banks way of making money.

Sort this out. and be advised i will be claiming this back one way or another.

i look forward to your considered reply.

[redsue]

I'd just stop emailing them now.

I really like the bit

card repayment protection was applied to your Egg Card following a phone call on 9th July 2004 in which you agreed to take out this product.

Due to this I'm unable to refund any charges applied to your Egg Card.

Oh, ok then - of course I believe you...

I would definately make an S.A.R - (Subject Access Request) and CCA 1974 requesting a copy of your original executed signed Agreement. They have to PROVE you asked for it.

CCA Request

REQUEST UNDER THE CONSUMER CREDIT ACT 1974

Dear Sir/Madam

ACCOUNT NUMBER: XXXX XXXX XXXX XXXX

With reference to the above agreement, I require you to supply the following documentation.

You must supply me with a true copy of the alleged agreement. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account.

You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

I enclose a payment of £1.00 that represents the fee payable under the Consumer Credit Act.

Once you gone down the official route and the account is in dispute they can't hassle you until the matter is resolved.

Send them a S.A.R - (Subject Access Request) to enquire about the charges and send them a CCA request to enquire about the PPI.
Non-compliance is taken very seriously by the Information Commissioners office.
I'd go and have a good read through the PPI section and gather as much information to help you as possible.

good luck

[Semi]

wicked, thanks for the info. didnt even know there was regulations for this.

i will look up on the PPI right now.

thanks again.

Semi

[phatram]

Any news Semi?

[Semi]

Sorry have not had any time recently. i will take them on, but not at them moment. onto court stage of halifax and barclaycard. so they are priority.

will keep posted as and when.

thanks