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.
Wonder if anyone else has encountered this problem with Egg.
For both OH & me, we sent off for copies of our egg agreements & SAR (5 accounts in total) Egg are now well outside the 12+2 days so the accounts are now in dispute. Even outside the 40 day period regarding the SAR's.
All requests where sent individually by Recorded Delivery (have proof that they were received, however Egg have replied that we did not enclose the required payments (done by postal order and awaiting post office confirmation that the orders have been cashed).
I have an Egg loan which they sent a cca & looks enforceable - but they are demanding payment of £1 by return.
OH has been sent T&C's for an Egg card with an account number that isnt hers and again asking for the £1 to be sent by return.
Other three accounts & SAR they require the fee to be sent again, surely if they received five recorded delivery letters each containing a postal order, payable to Egg, they cant say they havent received payment.
Just wondering if they are also playing delaying tactics.
"To trace if a Postal Order has been cashed you would need to complete a
P58 form available from any Post Office® branch. When you’ve completed the
form hand this in at the Post Office® and this will be forwarded to Royal
Mail to investigate.
Alternatively you can send the P58 form and the receipt for the postal
orders to:
Postal Order Group
PO Box 168
Chesterfield
S49 1ZL
It is recommended that you keep a copy of the receipt for your own records."
Egg are quickly becoming renowned for their delaying tactics, swamped under comes to mind.
I've noticed this forum as been very quite this week, quite before the storm perhaps
Did ask the local Post Office the other day, gave me the address to write to, told me to write a letter quoting the seriel numbers of the PO's, didnt mention about the P58 which I have picked up this morning.
It goes without question that by sending my requests Recorded & got proof of delivery I know they received the PO's.
Just so happens that I received my SAR this morning (they again asked for the fee to be sent by return as it has not been received).
Just had a quick scanny through the contents, plenty of charges and suprise suprise they added PPI to a loan amounting to £2,472 which I did not consent to, so it looks like GAME ON!
One thing we are absolutely disgusted with is that OH is on an agreed payment plan with Egg, they agreed to freeze interest & OH pays £42 a month, on OH's statement of account for the past nine months the debt has reduced by just £9 ! ! !
Aye, these 'financial giants' don't have a moral concience but we are expected to do every thing they demand with bells on. Egg kept bumping my apr up and up, was almost every month.
Finding this site has been my best ever discovery on the internet.
Aye, these 'financial giants' don't have a moral concience but we are expected to do every thing they demand with bells on. Egg kept bumping my apr up and up, was almost every month.
Finding this site has been my best ever discovery on the internet.
blimey, sorry I have digressed somewhat!
No worries, we're all in the same boat (if you know wot I mean).
Since finances took a nose dive last year I have found two things that saved my sanity
Three options on the form, tick one box, sign and return :-
Option 1 :- Copy statements, copy statements can be provided at a charge of £2 per sheet.
Option 2 :- SAR, can be provided with 40 calender days (subject to terms & conditions), a fee of £10 is required (They've already been sent this by PO, and the time scale has expired for compliance), we also require proof of identification, dated within the past three months.
Option 3 :- Copy of cca will be provided within 12 days subject to receiving a fee of £1 (again they have already received this fee and are way outside the 12+2 days and have received dispute letters).
I had a phone call from Egg two days ago asking for payment. I said I had done everything in writing etc etc. The girl said there was a 30 day turnarouns for written corresponsence. Presumably they consider themselves way above the laws of the land. (Not hijacking your thread just reporting on the 30 day turnaround thing, appears to fit with your timescale?)
Good luck, it seems like egg are way understaffed and very good at losing things.
I had a phone call from Egg two days ago asking for payment. I said I had done everything in writing etc etc. The girl said there was a 30 day turnarouns for written corresponsence. Presumably they consider themselves way above the laws of the land. (Not hijacking your thread just reporting on the 30 day turnaround thing, appears to fit with your timescale?)
Good luck, it seems like egg are way understaffed and very good at losing things.
Thanks RTR,
No worries, nice to know someone out there actually reads postings :grin:,
They've tried the "need proof of id" trick with me - just ignored them and sent them the "address has been fine for 5yrs, etc" letter.
Not heard a thing until a "secure message is waiting for you" email this morning.
Egg CCA & SAR Requests
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Originally Posted by RoadToRecovery
