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I need some help. I wrote to Egg Credit Card using the template provided and was sent back a form to fill out and a covering letter which reads:
Dear Mr xxxxxxxx
Thank you for your recent request for info relating to your Egg Account/s. There are 3 ways we can provide this info to you (explained on attached form), & to help us to ensure we give you what you need; we need you to complete the attached form and return it to us.
Once we have received your completed form, and cheque we will send the info as soon as we can.
3 options on the attached form:
option 1: A complete list of transactions including charges for my account.
option 2: Copies of my original statements for my account.
option 3: A complete Data Subject Information Request (DSIR).
All I want to do is reclaim my charges and if possible my credit card payment protection. Which option do I need from the above 3, can I reclaim for anything else?
I really don't know what I'm doing, is it usual to be sent a form to fill in? Can some kind soul help as I feel like giving up!
You can claim charges back and Payment protection if mis sold but I dont think you can put payment protection on your charges claim form, this has to be done seperatly ( I think)
You can claim charges back and Payment protection if mis sold but I dont think you can put payment protection on your charges claim form, this has to be done seperatly ( I think)
Thanks again. I remember having a telephone conversation with Egg a few years back asking why I was paying payment protection when I didn't request it. They were very off with me and fobbed me off saying it was a box I had to uncheck on the form - something along those lines.
Read some of the PPI missold threads, I myself have not been down this route yet but beleive it's the next big thing to bank charges!!
Apparantly they have to prove you requested it (I think)
Maybe one of the wise and wonderful people (of which there are many) on this site will pop along in a mo to clarify or you could start another thread entitled Egg PPI MIS-SOLD (or something along those lines):o
The only reclaimable unlawful charges are Overlimit and Late Payment. Option 1 will itemise these, if you trust Egg.
Debit interest accrued on unlawful charges are also reclaimable if such interest is shown on the statements, i.e. you did not pay off part or whole of your debit balance so that the unlawful charges were not actually levied against you. Egg sometimes gives in to these interest reclaims, sometimes not, but hardly ever refuses to add 8% per annum Statutory Interest on top, in cases where Egg throws in the towel on refund. If you wish to take the risk and reclaim demonstrable interest, then you will need itemised proof they were indeed levied, how much and when -- i.e. you will then need copy statement, Option 2 not 1.
PPI is the toughest reclaim of all, with only 2 such reclaims ever reported as succeeding against Egg. If you really fancy your chances of pursuing PPI refund you will need option 3, the one which can and probably will take 6 weeks just to get all the papers from Egg, a task which will probably cost Egg £50 worth of manual effort to collate the papers.
One of the 2 PPI refund successes was the recitification of what was a plain Egg error, the other lone success was won in court thanks to the evidence of a screen print. Judgment appears to come down to a screen print from your online application time, whether you did or did not tick the PPI request box. One claimant said he did not intend to purchase PPI, but his screen print produced by Egg said otherwise. That was the only case lost in court to Egg, with 83 reclaim cases leading to successful full refund, most of these 83 not needing to go to court, most not even needing legal paperwork such as N1 form filling -- just following a reclaim template letter proven many times successful because the wording hits the Egg on the head, ouch.
See V-E Day Thread from the Stickies section, top of the last page containing a winners' index, follow the andrew_nwide template letter from the most recent success story but one, after you have obtained itemised charges.
It works, it has been proven many times. But do it quick in view of the ongoing OFT Test Case now heading towards an uncertain verdict with unknown side-effects, quite possibly adverse to reclaimants.
Sorry to disagree folks but I think you want option 3 and make sure it includes option 2. You will need all the statements if you have to file in court and all the information will be there to generate the list of charges offferend in option 1 (and gets you round the doubt sown in your mind by Mistmind's post (..if you trust Egg) )
Steven
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I too would go for option 3. It has helped me in a PPI dispute with another company, as the full SAR included copies of letters i'd previously sent (and forgotten about) which backed up my current argument.
You may as well get your tenner's worth!!
I'm midway through the tunnel, but getting closer to the light.
Egg credit card help needed.
Credit Card using the template provided and was sent back a form to fill out and a covering letter which reads:
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Originally Posted by vinegarvera
