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 seem to do things in 3s. Going after store cards/credit cards now - but with contractual interest. Getting cocky now........
SAR going off with free 'Proof of Posting' tomorrow. I doubt if this will yield any hard cash - but I am interested in reducing my debt mountain and getting their default removed.
For anyone that's interested Experian have an on-line service called CreditExpert. For 30 days you have FREE access to your credit file. Only the once, but I took advantage. Well , I'm always broke, but hopefully not by the end of this year.:grin:
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
Maybe I should have seen this coming.............. Egg have asked for utility bill, bank statement etc just to verify I am really me. Sending them a utility bill but I don't think it is necessary to extend their 40 days. Bloomin' time wasters. It is getting a little dull threatening these organisations with legal action for my data. Having said this I lay even money I will have to progress to court this time.
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
Data Request Team Egg PLC
Point North
Brierley Hill
DY5 1LU
That's where I've sent my non-compliance.
But your letter should get to the correct department regardless and they still have the same time to act. (Though I'm sure they work in dog years or something - you know - one week to them is seven in our world...)
HALIFAX 30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95 HALIFAX 2nd claim 5th Mar - 16th Apr - Success in claiming £176
EGG (3 accounts)
20th Jan 07 - SAR posted
17th Mar 07 - Paperwork received - bits missing
19th Mar - Non-compliance for missing bits posted
9th Apr - ICO complaint filed
BARCLAYCARD
20th Jan 07 - SAR posted
21st Mar - Statements received
23rd Mar - Prelim posted
31st Mar - Offer for £30 rec'd
10th Apr - LBA sent
Thanks Didge, I didn't realise the data request team was at Brierley Hill. Have sent it off this morning to Jenny Gordon Data Protection Manager Waterhouse Square 138-142 Holborn London EC1N 2NA. Just how many addresses do they need? Must look it up but if they fail to comply I will be able to ask the court to send poor Jenny to jail, honest.
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
Forgor about this one momentarily. lba in post today. Wonder how I will get on having default removed. Would it be a good idea to send letter to Experion just to see if default still there?
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
Long and boring letter saying OFT have agreed that as Egg are reducing their charges from £20 down to £16 that is fine and dandy. They have offered me £44 which I must accept by 03/08/07. Gosh that's big of them as I have claimed getting on for £250. Sending them relevant rejection letter.
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
Well, they have offered full payout - but no mention of removing default fee which I have been careful to mention in each letter I send. Can I now safely proceed to court as they state that this is their final offer or shall I send them an e-mail about removing default?
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
Repayment and reversal of Default Notice are entirely separate actions, in administration and in law. The latter aim is still being pursued by Angry Cat and Yasmin, well over a year after starting out. Both had their charges and interest repaid. I have not read of a single instance of Default Notice being rolled back by Egg.
I should accept the lolly now, and join the marathon queue of Default Removers, but bring a sleeping bag and thermos flask.
Well done on the reclaim. If you accept with or without confidentiality, then your win will swell the V-E Day Parade to
To put things into proportion, one CAGger posted that she used to work in Egg, and that Egg had 2.8 million cardholders, it seems not all are reading CAG.
This time last year there was not one SINGLE reclaim success, and Egg was notorious for fighting to the last ditch and last drop of blood. Then they had a change of ownership, change of law firm, and now an evidently enlightened management policy of paying out gracefully, and promptly to happy bunnies.
I apologise for those that have given time/advice in the past, but so many months have passed since I got my credit update, I have decided to accept their offer, as it may be that the default notice is no longer in effect. Can I suggest to anyone just starting out to keep default notice queries up-to-date as Argos noticed disappeared within two months of my original query (As I am paying back via CCCS).
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
sally v egg
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Re: sally v egg
Originally Posted by sallysas
