Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. 6th February 2008 15:30 #1
    ananya ananya is offline
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    Default Egg card - reclaiming unfair charges

    Eggicon have been kind enough (!) to send me all my statements so I'm on a mission to reclaim quite a considerable amount from them.

    My question is, which template letter do I send first? Do I adapt the prelim letter or send the credit card one straight away? Do I send a schedule of charges including the 8% or not?

    Many thanks

    Similar Threads:
    Mr & Mrs Ananya's story so far -
    Welcome Finance - account closed - no CCA - 02/07 - £1500
    NatWest - settled in full 09/06 - £600
    NatWest - settled in full 06/07 - £72
    Verso - Settled in full 07/08 - £2002
    C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640
    Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800
    D.C.A.s who've given up so far -10
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  2. 6th February 2008 15:33 #2
    Lula Lula is offline
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    Default Re: Egg card - reclaiming unfair charges

    Hi, the template that you send them should be without the 8%.

    You should look in the template letter section for a letter, that can be found here

    It might also be of use to you to read the FAQ's


    Lula


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  3. 6th February 2008 15:39 #3
    ananya ananya is offline
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    Default Re: Egg card - reclaiming unfair charges

    Thank you Lula

    Is this the right one to send first? - http://www.consumeractiongroup.co.uk...RD-letter.html

    Mr & Mrs Ananya's story so far -
    Welcome Finance - account closed - no CCA - 02/07 - £1500
    NatWest - settled in full 09/06 - £600
    NatWest - settled in full 06/07 - £72
    Verso - Settled in full 07/08 - £2002
    C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640
    Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800
    D.C.A.s who've given up so far -10
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  4. 6th February 2008 15:45 #4
    Lula Lula is offline
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    Default Re: Egg card - reclaiming unfair charges

    Hi there, yes it looks ok to me, just adjust or delete the bit in red to reflect your circumstances.

    Lula


     Lula v Abbey - Settled
    Lula v Abbey (2) - Settled
    Lula v Abbey (3) - Stayed

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  5. 6th February 2008 15:49 #5
    ananya ananya is offline
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    Default Re: Egg card - reclaiming unfair charges

    Thanks again

    Mr & Mrs Ananya's story so far -
    Welcome Finance - account closed - no CCA - 02/07 - £1500
    NatWest - settled in full 09/06 - £600
    NatWest - settled in full 06/07 - £72
    Verso - Settled in full 07/08 - £2002
    C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640
    Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800
    D.C.A.s who've given up so far -10
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  6. 8th February 2008 02:51 #6
    WEGAEVCA WEGAEVCA is offline
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    Default Re: Egg card - reclaiming unfair charges

    Can I ask what Eggicon address you sent the letter too. There are quite a few on their website and I am not sure which is the correct one. Thanks.

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  7. 8th February 2008 08:58 #7
    saintly_1 saintly_1 is offline
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    Default Re: Egg card - reclaiming unfair charges

    Hi wega .......

    I will post the link here however you have hijacked ananya's thread you really should have your own thread so that an acurate record of your claim can be kept by you and also helps others see what steps you have taken and where you are upto

    http://www.consumeractiongroup.co.uk...es-please.html contact details can be found here

    saint

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  8. 8th February 2008 10:59 #8
    ananya ananya is offline
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    Default Re: Egg card - reclaiming unfair charges

    Well, I've had a very quick response - standard 'naff off' letter really

    Do I now put my money where my mouth is and file a claim against them?

    All help and advice much appreciated

    Mr & Mrs Ananya's story so far -
    Welcome Finance - account closed - no CCA - 02/07 - £1500
    NatWest - settled in full 09/06 - £600
    NatWest - settled in full 06/07 - £72
    Verso - Settled in full 07/08 - £2002
    C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640
    Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800
    D.C.A.s who've given up so far -10
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  9. 8th February 2008 16:36 #9
    steven4064 steven4064 is offline
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    Default Re: Egg card - reclaiming unfair charges

    Quote Originally Posted by ananya View Post
    Do I now put my money where my mouth is and file a claim against them?
    IMHO, yes

    Steven

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  10. 8th February 2008 22:20 #10
    ananya ananya is offline
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    Default Re: Egg card - reclaiming unfair charges

    Thank you steven4064

    This time adding the 8% and costs yes? I'm a court claim newbie!

    Mr & Mrs Ananya's story so far -
    Welcome Finance - account closed - no CCA - 02/07 - £1500
    NatWest - settled in full 09/06 - £600
    NatWest - settled in full 06/07 - £72
    Verso - Settled in full 07/08 - £2002
    C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640
    Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800
    D.C.A.s who've given up so far -10
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  11. 8th February 2008 22:56 #11
    maroondevo52 maroondevo52 is offline
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    Default Re: Egg card - reclaiming unfair charges

    Quote Originally Posted by ananya View Post
    This time adding the 8% and costs yes? I'm a court claim newbie!


    Yes.


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  12. 8th February 2008 22:58 #12
    ananya ananya is offline
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    Default Re: Egg card - reclaiming unfair charges

    Thanking you ta kind sir

    Mr & Mrs Ananya's story so far -
    Welcome Finance - account closed - no CCA - 02/07 - £1500
    NatWest - settled in full 09/06 - £600
    NatWest - settled in full 06/07 - £72
    Verso - Settled in full 07/08 - £2002
    C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640
    Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800
    D.C.A.s who've given up so far -10
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  13. 4th March 2008 13:34 #13
    intercityman intercityman is offline
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    Default Re: Egg card - reclaiming unfair charges

    Bump

    If I have been of any use to you in my response please click my scales.

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  14. 4th March 2008 21:40 #14
    steven4064 steven4064 is offline
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    Default Re: Egg card - reclaiming unfair charges

    ICM, why?

    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
    Brighthouse Won unconditionally August 2007
    Goldfish Won 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.
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