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 am in the throngs of a claim against Barclays, which should be all ok, and happened to check my Egg money account. I noticed I had three £16 charges on it, and as they were all recent (and I would argue the fault of that stupid text message service which I now ignore!) that I would just ask for them back, and they'd probably give it to me.
I was wrong, this is what I sent:
Date: 09 Jan 2007
Time: 10:24
Subject:Overlimit Charges
Dear Sir,
I have been looking over my last 3 statements,
and have only just relaised that I have been charged 3
'Over Limit' Charges of ?16. I am not happy about these
charges being applied as for each occasion I have only
drawn money out that the ATM or vendor has allowed, and
to make it worse, what the weekly balance text says I have
left. It would appear that by adding these charges you
have in fact been the cause of the overlimits.
I am also aware that charging payments for going over an
agreed overdraft limit is being condoned by the OFT and
feel that in my instance, if the charges were reversed,
that I would actually be well within my agreed limits.
I therefore ask that the 3 months worth of charges be reimbursed
to bring my limit back to an agreed amount. Please also
note that I have a pending bank transfer waiting to be
agreed and have recently increased my monthly payments
to help bolster my account.
I hope you will see this through for me, and hope you will
understand that on these occassions it has not been my fault,
but a fault of the texting service you provide.
best regards
Which I thought was nice (nicer than what Barclays are getting anyway!) and
they'd be ok about it, I was wrong, and got this reply:
Dear Peter
I'm sorry to hear you feel like this about your Egg Money.
When you signed the credit card agreement on applying for
an Egg Money you were shown the interest rates and charges.
You then read and understood these terms and conditions.
As you signed the agreement you agreed to pay these charges
if you didn't keep to your agreement.
These charges are listed in your terms and conditions and
are therefore legal charges.
The Office of Fair Trading gave recommendations only on
charges applied by banks.
Egg are not refunding charges accrued where the customer
has failed to keep to an agreement that they accepted when
they signed their contract for an Egg Money.
Egg have already lowered their charges from ?20.00 to ?16.00.
I'm therefore unable to refund any charges to you as these
have been applied legally to your Egg Money.
Thanks for your message, if you need any further help please
let me know.
Regards
Louise Fitzsimmons
Internet Customer Services
which felt a little bit ****y to me, and not in the goodwill sense I was suggesting in my email.
What is the situation with Egg - I understand that they have got OFT to agree something with them, but if it's going to be extremely painful, then I may just leave this one be...I'll get Barclays to pay on their behalf!
Get ready to do battle. These idiots just never learn. For the sake of about £50, they would rather be taken to court, only to have to pay it and court costs on top!
Advise on this pls...
, which should be all ok, and happened to check my Egg
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