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.
Hi, I've not done this before, so really not sure where to start and I'm getting confused. Where do I start? What letter do I need to send first to claim unfair charges onto my account by Egg? I was one of the ones that they cancelled the card of, but hiked up the interest rate and all the money I am paying in to the card right now is going on interest alone and it is out of Income Support and I can't afford that. I would like to get the Egg card out of the way. I'm hoping that claiming back my unfair charges will help reduce the amount I owe significantly. My balance is 'only' £764 and I was being charged pretty much on a monthly basis for late payments etc (bad management on my part, but on Income Support it was REALLY difficult to have the money where I needed it when I needed it). I'm in a real mess overall, not just with Egg, and I'm a little overwhelmed by what to do first, when to do it etc. I'm just confused when I try reading the FAQ section, I really do need an idiot guide!
Egg is much easier to reclaim from than other cards because they do not fight provided you push the right buttons in sequence. It's all been done before and fully described. Plain letters in English will do. See
Thanks - I really don't want to get the wording wrong though. Should I just send a letter to Egg with a postal order for £5 and asking for info on all late payment charges and penalty charges? Is there a template for this letter so that I get the wording right? Sorry - I REALLY need a proper idiots guide !
asking for info on all late payment charges and penalty charges?
Congratulations Katie you have just invented the requisite template letter , especially if you add the phrases "late payment charges" and "overlimit charges". Egg staff facing 2 million cardholders have responded to this all day long endlessly for 2.5 years. Once they have eyed a keyword they hardly read the rest, instead they trigger predefined procedures according to their rulebook. Egg do not split hairs so legalese is unnecessary. If you further introduce yourself as a member of CAG they will know you know they know you know they know they will pay out in the end.
You will save yourself an extra exchange of letters if you include a photocopy of drivers licence or passport, and one original recent utilities bill to prove you are who you are where you are.
Claiming fees against Egg
? I was one of the ones that they cancelled the card of, but hiked up the interest
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Re: Claiming fees against Egg
Originally Posted by thekat1979
, especially if you add the phrases "late payment charges" and "overlimit charges". 
