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.
After many years as a happy Egg customer, I was recently charged £16 for going my credit limit. What was doubly frustrating was the fact it was their interest charge, rather than a purchase on my part, that resulting in the charge.
I contacted Egg by secure message on Monday asking, in very friendly terms, if they'd be prepared to make a refund. I received a reply today consisting of cobbled together stock statements saying words to the effect of "the charge is correct, and can not be reversed".
I've since removed some substantial savings I held with Egg, and replied to their secure message in more direct terms. I basically said their message was misleading, as there are numerous cases of charges being refunded. I asked them to reconsider their decision, and have said if a refund is not provided I will escalate the situation.
I don't hold out much hope of a positive response, so I want to make sure of the next step I'd need to take. The amount I am claiming is just the £16 charge to my account made a couple of weeks ago - do I need to contact Egg to request a paper statement?
Regards the letter I need to send - are there any Egg specific templates? I've got the template available on the BBC account and am happy to tailor if myself, unless there are better templates out there.
You will need a statement eventually but presumably you will get one soon anyway. Give them 14 days and then send a letter before action from the templates library, suitably modified.
Steven
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My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
You will need a statement eventually but presumably you will get one soon anyway. Give them 14 days and then send a letter before action from the templates library, suitably modified.
Thank you for your reply. I haven't requested a statement from Egg - my statements have always been entirely internet based. Would printing it off be sufficient, or do I need it in paper sent from Egg?
I think that printing it off is probably adequate. If it got to court no doubt Egg with come up with a printed statement if yours was wrong. Not that that will ever happen.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Ted v Egg
customer, I was recently charged £16 for going my credit limit. What was doubly frustrating was the fact it was their interest
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Originally Posted by steven4064
