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. 12th February 2009 16:56 #1
    tiger33 tiger33 is offline
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    Default egg ppi refund succuss?

    hi,i had an Eggicon loan for£6000 the PPIicon was £1433 so that equals £7433 total.the monthly repayments were £149 over 60 months,so this gives a grand total amount payable as £8971.
    i paid 18 payments of £149 (£2682)to egg then i got into financial trouble so was paying moorcroft £50 per month of which i paid them £1100,the balance at the moment stands at £4700.today i got a letter off egg stateing the total amount concerned in my mis-selling is £1433 and they have contacted moorcroft to credit this to my account,i was just wondering what the new balance with moorcroft be.should the £1433 come off the total amount payable,then whatever i,ve paid in ppi come off that.thanks

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  2. 12th February 2009 17:19 #2
    BankFodder BankFodder is online now
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    Default Re: egg ppi refund succuss?

    I think that there is a larger issue here - if you feel you would like to explore that route.

    Could it be said that if you had not been sold the PPIicon that you would have managed the repayments?

    How much did you actually pay back? If what you repaid before you got into problems would have been sufficient to pay the loan had it not been augmented by the additional PPI payment then I think that you have a basis for a serious compaint against Eggicon and that you are in a position to make some demands from them.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
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    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  3. 12th February 2009 17:25 #3
    BankFodder BankFodder is online now
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    Default Re: egg ppi refund succuss?

    To help you a little, what would have been the repayments on the loan without PPIicon? How many months, just paying the loan would £2682 have covered?
    As you were repaying £149 per month on a £6000 loan when in fact the repayments over 60 months should have been less than that, you were for at least 18 months, well ahead of your repayment obligations.

    Did they hit you with any charges for late repayment? If so, then you want these back too.

    Lots of interesting questions here before we can really see what your situation is

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  4. 12th February 2009 17:31 #4
    guzzleguts guzzleguts is offline
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    Default Re: egg ppi refund succuss?

    Sorry to jump in this thread been trying to pm bankfoder but pm's are full.
    please could you take a look at my thread in re- to a DN PROBLEM thanks

    GG

    Help needed with ford credit

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  5. 12th February 2009 17:40 #5
    msowing msowing is offline
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    Default Re: egg ppi refund succuss?

    HI tiger33.
    Can i ask what your reason for mis selling is.
    I am just about to write to Eggicon about my PPI and the fact that because it was a lump sum added to loan so that would mean i have borrowed ppi and i have been paying interesticon on it (well thats what i have come up with hope that its correct).

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE