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.
I have been following this forum for a while and need some advice.
Last February 2008, I went over my limit, despite my checking the balance before using my card. I was charged and I called them and made the recommended payment to bring the account back into the correct balance. They then applied further charges, which again put me over my limit.
During this period I received a calls from them and they did not go through any security questions, and when straight into the conversation that I was over my limit. (On one call, my collegue at work answered my phone and I managed to get to the phone in time, before they started the same thing again) I asked them to never call me on my numbers and to remove this from their records.
I complained but they sent back a standard letter, ignoring the contents and stating that they have closed the complaint for another reason. I never pursued this despite logging an initial complaint with the Financial Ombudsman. I even threatened Egg that I would charge them £25 per call received/ letter written if they continued to use my numbers.
Occasionly I still received sales calls and I asked Egg to remove my numbers each time.
This year due to the current market, my income fell and I could no longer afford payments. I started receiving a number of calls from Egg. Each time I asked them to stop calling on my phone, and to put any correspondence in writing.
I wrote to them on the 4th April requesting this in writing and to advise them that I was having financial difficulties.
On the 27th April I wrote to them using the data protection Subject access request and to make a complaint. I also asked them again in writing to stop calling.
They wrote back, again, ignoring the contents, except stating that they would remove my numbers. They also stated that they would close my complaint, dispite them not addressing any of the issues.
I have logged a complaint with the information commissioner regarding the fact that they refuse to remove my contact details.
I issued them on the 10th June (received and signed for on the 11th) a request for a copy of my credit agreement and relative documents under the consumer credit act (sections 77- 7.
In the information they sent me was a copy of CCA which they claim is the credit agreement. There was no orginal terms and conditions, or anything else relating to my consumer credit act request.
I have sent them a letter claiming compensation regarding their breachs of the continual use of my phone numbers, and no information under the Subject access request.
The only thing I have had to date regarding this is an acknowledgement of the complaint and a request for £10 for the information requested under the Data Protection Act. The first time requested since my letter dated 27th April.
Any advice or counter letter would be appreciated. To date they have attempted to contact me again by phone, despite their letter stating that they would remove my telephone numbers. They have also passed this number onto a debt collection agency.
I have attached the CCA. Please could someone check it to see if it is valid and advice me on what to write.
Whilst the account is is dispute, their debt collection agency keep calling me despite Egg stating that they have removed my telephone numbers from their system and whilst the account is in dispute.
Can anyone check to make sure this is enforceable??
Egg- CCA Advice and complaint
. I even threatened Egg that I would charge them £25 per call received/ letter written if they continued to use my numbers.
.
Reply With Quote
