Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi all, have now turned my attention to Egg...have downloaded statements on-line and sent the first letter claiming charges back for the last year - I have also sent SAR request for last 6 years in total...the wait begins...but at least it's underway - following other threads with interest
Have now received letter advising me my complaint may take 8 weeks to investigate... will stick to my TT though. Also received their form with the 3 options for charges summary. Have started claim with the 12 months I got on-line and will add rest when I receive it. Does Egg send information within the timescales they set out in the letter?
Egg gave me an initial date which was 2 weeks later than what it should have been. However, they suddenly kicked into action and responded not long after 40 day expiry. Possibly because i keep refusing to deal with the DCA telling them the account is in dispute until i've clarified the balance!!!
i didn't mind how long it took because i'm not making payments while it's being disputed. See how it goes, let us know when they get in touch
Hi all, I've now received the rest of my statements from Egg. I've had no further response from them about the claim I started for the years worth of statements I was able to get on-line so I'm going to add the two together and file with MCOL.....
A straightforward letter to Egg in plain English, accompanied by a spreadsheet itemising the charges and interest reclaimed, was sufficient for all other claimants over the past 6 months, usually getting paid within a week.
By all means use MCOL, but it will cost extra, and will take longer.
To whom did you address your letter? Try Emma wotshername the manager. Not only has she been efficient, the letter I got from her was even courteous. Have to bear in mind the peak holiday season of August is upon us.
A few claimants were paid within a day or two, at least the notification of forthcoming Egg payment, which was as good as gold.
I have addressed it to a Jeanette Hadfield in the Customer Relations Office because she wrote to me. I can change it though - do you have a full name and address? Thanks for your help Mistermind it's v much appreciated.
Both have been known for prompt efficient action. Guy refunded Irishrose in one day, and Emma is known for her courteous intelligent letters. It has become quite civilized, civil, even pleasant with Egg now, but it seems you could get varying responses depending on who handles the case.
Have sent it off - amazingly got offer to settle today for first half of my claim which is just over £100. Egg has offered me £4. Do you think it's an error is egg serious?!
This is the standard Egg template letter saying they have already done their duty reducing £20 charge to the OFT-specified threshold figure of £16 (special dispensation for Egg, £12 for others).
If you send back the equally standard CAG template letter in moc1982's winning thread, you should get an offer to repay in full by return of post.
Egg reduced their £20 charge to £16 round about July 2006. I would deduce from your £4 offer from Egg, that you incurred just one £20 charge before August 2006, plus 5 or 6 £16 charges after that time. Egg is not taking the mickey, this is a ritual dance with fixed steps, like the cha cha cha.
Your move next -- the moc1982 template letter step from you, to be followed by Egg's template repayment of all charges, by return of post probably.
spring6 v egg
...have downloaded statements on-line and sent the first letter claiming charges back for the last year - I have also sent SAR
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Re: spring6 v egg
Well done Spring6. I'm glad that was a pain free event!! Enjoy the refreshing beverages! 
