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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
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London
NW11 7PE
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  1. 1st February 2007 14:47 #1
    limpalot limpalot is offline
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    Default can they really ?

    hello everyone , i've just got off the phone with some jumped up little hitler claiming that Eggicon is not a bank and they can put charges on your account for over limit and late payments etc.... he further claimed that a letter was sent out and that the governments legislation on charges doesn't cover egg?

    so can they get away with it?

    any info much appreciated i'm considering action now but not quite sure how to start?

    thanks.

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  2. 1st February 2007 15:02 #2
    thecornflake thecornflake is offline
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    Default Re: can they really ?

    What he's probably referring to is that there was an extra bit in the OFT rulin gthat said because Eggicon make you use direct debiticon the threshold for intervention (NOT a legal limit or anything) could be higher for them, as in £16.

    The ruling was for credit cards. There is a current investigation into banks, due to report in March this year.

    Basically none of this affects claims and you shouldn't worry about continuing as normal.

    If you found this post useful please click on the scales above.

    Egg - £400 - Prelim sent. On hold.
    Mint - On the list Est £800
    GE Capital - On the list (3 accounts!) Est £4000

    MBNA - £545 Prelim sent 13/11/2006
    LBA sent 1/12/2006
    £350 partial payment received 18/12/2006.
    Full settlement received 20/1/07

    NatWest - Est £4000 not incl interest
    Data Protection Act Sent 10/1/07
    Statements received 24/1/07
    Prelim sent 3/2/07
    Full Settlement received 22/2/07

    The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional
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  3. 1st February 2007 15:18 #3
    limpalot limpalot is offline
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    Default Re: can they really ?

    thanks for the input.....

    weres best to start on the site in order to get instructions for starting a claim...?

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  4. 1st February 2007 20:26 #4
    Sk1ntBint Sk1ntBint is offline
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    Default Re: can they really ?

    I see that they changed their charges to £16 in August 06. Does this mean we cant claim this?

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  5. 1st February 2007 20:32 #5
    hagenuk hagenuk is offline
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    Default Re: can they really ?

    Quote Originally Posted by Sk1ntBint View Post
    I see that they changed their charges to £16 in August 06. Does this mean we cant claim this?
    No, it does not mean that at all. Claim the entire charge.

    Unless Eggicon tell you what their actual charges are, you may claim every penny. If they wish to counter claim for their actual costs, then it would be up to them to provide you with them.

    iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.
    Vanquis - Claim issued, no AoS or Defence received
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  6. 1st February 2007 20:32 #6
    hagenuk hagenuk is offline
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    Default Re: can they really ?

    Quote Originally Posted by limpalot View Post
    thanks for the input.....

    weres best to start on the site in order to get instructions for starting a claim...?
    Please start here - http://www.consumeractiongroup.co.uk...se-read-these/

    iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.
    Vanquis - Claim issued, no AoS or Defence received
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  7. 1st February 2007 20:58 #7
    limpalot limpalot is offline
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    Default Re: can they really ?

    cheers for the link i'll have a look....

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