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.
Ok, am just about to start action against Egg.
My balance is currently £400 ish, I'm paying them £25 a week through a DCA (DLC). I've advised DLC to stop taking payment as I'm disputing this with Egg. I think they've probably taken about half the amount I owe in charges. My questions are...:
1. What letter do I use to reclaim credit card charges? I can only find bank charges templates.
2. I'd like to resolve the dispute and have my balance lowered before I continue to make payments. I accept that after this Egg may want the full amount, and I'm ready to pay that. How would I word this in my letter?
1. You basically use the same letter but change it to reflect the fact that it is a credit card - eg dont refer to overdraft charges but do refer to late payment charges, etc. just read through and make sure it makes sense as a credit card letter. Do you know what the charges actually are? If not, send a letter quoting the Consumer Credit Act 1974 section 78(1) and ask for a statement of account, including all charges, payments, etc and asking for a copy of the executed agreement for the account and enclosing a postal order for £1. Remind them that they have 12 days in whcih to reply.
In fact I would do this anyway - its always a good idea to rattle their cage a bit
2. I wouldn't bother including this at the moment - Egg are not likely to play ball anyway. Sending a CCA letter will make them think.
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.
Me vs Egg
.
Reply With Quote
