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.
I have been with Egg for a number of years, over which time i have picked up a few charges for various reasons. There have never been many so i have never bothered looking into claiming them back.
Recently my wife and i were in the supermarket, we got to the till and she realised she didn't have her purse, i didn't have my wallet and the only card i had was in the car which was my Egg money card.
I paid using this realising it would take me over my agreed credit limit. As soon as we arrived home i rang Egg to pay off the amount we had just spent to be informed that it would not be processed now until the following Monday (it was Friday evening), i paid anyway and tried to get the guy to assure me that i would not be charged for going over seeing as i had tried to pay the same day. He could not do this and told me to take it up with customer services should any charges be levied against me.
It transpired that i was charged for exceeding my account limit, my payment went in but becasue of the charge i was then over my credit limit resulting in being charged again.
I asked them to refund based on the what had happened but they effectively said they were within their rights to do so and refused a refund.
So at last here we are!
My wife has helped a number of work collegues and friends claim back bank charges (and has so far been 100% successful), gave me an SAR template to fill in and send to Egg for a list of my charges. WIth this i sent a cheque for a statutory amount of £10.
I received a letter this morning from Egg saying there is three ways in which they can provide this information, they are as follows:
Option 1. A complete list of transactions (including charges), £5 fee is applicable.
Option 2. Copies of original statements from period....to....., £2 per statement.
Option 3. A complete data subject information request, with this option i will receive an information pack (subject to Egg's terms and conditions) within 40 days, a £10 fee and ID will be required.
My wife has never seen a response like this so can someone please advise which one i should go with?
This is a standard Egg reply, because option 3 involves a stack of paper an inch thick and so will cause Egg a lot of work and unavoidable time. They want to avoid it if the cardholder is agreeable.
Option 2 is unnecessarily expensive unless you need just 2 or 3 statements, so is out.
Option 1 is sufficient if you trust Egg to list ALL charges levied. It will not be sufficient if you wish to claim back the monthly interest accrued and levied on unlawful charges. Because interest rate fluctuated from month to month you will need ALL statements since the first unlawful charge, to rebuild debit interest ACTUALLY levied. I.E. if you were hit with £20 charge, but the following month you paid off your entire balance, then that £20 unlawful charge could have attracted about 38 pence monthly debit interest, but did NOT -- in which case the 38 pence interest cannot be reclaimed.
So if interest reclaim is significant for you, or you do not trust option 1 listing, then option 3 at £10 is for you. But delivery will take longer -- possibly 4 weeks instead of the maximum of 40 days allowed, possibly longer due to holiday period, provided you send your option 3 request to the best address as shown in the Sticky thread at the top of Egg forum.
Once you have the itemised claim, the rest should be easy, only 2 letters in plain English will be sufficient, going on the form of the past 6 months -- see V-E Day thread, moc1982's template letter when required.
Monkey attempts to beat an Egg
for a number of years, over which time i have picked up a few charges for various reasons. There have never been many so i have never bothered looking into claiming them back.
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