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 reckon they owe me a few quid and as i am taking on Lloyds,ge capital, Barclays,woolwich and black horse( waiting for a payment from them) i thought i may as well add the mighty egg to the list.
i have heard that egg are pretty hard to crack (so to speak) so i may be looking for a little advice later on and any advice will be greatly appreciated
sent my SAR yesterday using their online secure messaging along with authorisation to debit ten pounds from my savings account ( i paid ten pounds in so they could do this)
today i got the following reply
Dear PT2537
We can provide you with a copy of all the information which Egg holds about you. We charge ?10 for processing a data subject information request and we also request identification documents in order to verify your details.
We've arranged for the appropriate letter to be sent and you'll receive this shortly. This letter will explain what documents we need you to provide.
As soon as we have received your payment and identification document we'll start processing your request and you'll get your information within 40 days of us receiving those documents.
If you pay the ?10 charge by cheque, you won't have to pay the standard cheque handling fee that is applied to cheque payments made to an Egg Card or Egg Money account.
If you require any further information please contact us by sending a secure message through our website.
Regards
Barbara Ball
Internet Customer Services
clearly they have not thought about their response as my request was sent through their secure system .a delayinging tactic on eggs behalf me thinks .i have responded pointing out the facts that i have sent my SAR via secure message using my online account and have given them authority to debit my account accordingly therefore i consider them to be trying to delay the inevitable and also pointed out that they will work to my timeframe not theirs with regards to the 40 days which started yesterday by my reckoning
today i received another interesting email from Egg saying that i must pay them by cheque ( no exceptions) otherwise my SAR would not be considered. also they say that the 40 days will not start until the cheque has cleared in their account and that it will take a minimum of 8 days to clear.
as i result i decided to phone these fools and explain the DPA does not say that paymetn must be by cheque and the 40 daays start from when they receive the request and funds NOT when they feel like it.
after speaking to a few incompetants i finally managed to speak to someone who atleast understood the DPA 1998 and they have now sorted the problems out for me and allowed me to pay using my debit card ( as i dont have a cheque book) because they say they are not allowed to debit the funds from my savings account although they couldnt tell me why
still 40 days and counting till i find out how much they have taken from me
Finally got my statements and was surprised to find they sent me a copy of the consumer credit agreement as well. also included was screenshots of where operators had logged into my account.
i checked through my statements and noticed that i had been charged for credit card protection insurance sometimes at 20-30 pounds a time. i dont remember asking for it and i checked the contract and there is no mention of me subscribing to this protection so does anyone know if i can claim this back too? and if so how do i go about it.
the cca was in with the statements and other docs ie screen dumps of when their staff had logged into my account etc. it does show my signature too
in your case thats fairly good news as they cannot legally enforce the agreement if they have not suppplied you with a signed copy of the agreement within the specified time frame
i never asked for the cca so it was a pleasent surprise to find the info included although there is nothing to suggest i signed up to the PPI. also after speaking to Egg customer relations they have told me that there is nothing to suggest that i asked for PPI on the application form they have so i have asked them to prove i requested it and if they cant then i want my money back. i did try to claim on the uinsurance when i was out of work but found i couldnt and as a result i was defaulted so i may be able to push for a missold ppi claim too
good luck with your claim, let us know how you get on
can anyone offer some advice on PPI which was added to my Egg card
EGG have said that there is nothing on my application to suggest that i asked for PPI to be added and todate they have not been able to produce anything that says i asked them toi add PPI so if they cannot prove i asked for it and i personally dont remember asking for the PPI to be added can i claim it back?
also when i was out of work ( which is the reason i was defaulted and incurred charges) eg never even said i had insurance or advised me to make a claim on it. i remember asking if there was any insurance protecting my card and was told NO
any advice on if i can reclaim the premimums i paid and how to go about it would be great as im about to send egg a prelim letter asking for160.00 in charges to be refunded and would like to include the PPI too
I do apologise about my intrusion but any replys about this would be mostly grateful!!!!
This is my first time here and I will be brief...
I am desperate for legal advice because I can see an unpopular debt collector mentioned here often is aiming to sue me soon, even though they have defaulted under the consumer credit act s78, account in dispute and I have stop paying installment to them....
here is the question....
if a letter by the creditor signed by their marketing manager, offer me to apply for a card advising me and stating what the credit card APR is during a promotion period and fixed for x months and then when the credit card terms and conditions is issued and received, it states the the same term APR IS FIXED BUT FOR X-1 MONTHS, i.e less time, so have they infringed the cca 1974 due a misleading promotion and different pres-scribe term in the terms and conditions to the one advertised.
Now they did apply the right promotion period according to the credit
cards statements. i.e x months but the original terms and conditions remained unamended because the pre-scribed terms and conditions promotion period,, x-1 months, remained incorrect. ... but
Now if the creditor and the court aim to enforce such initial agreement terms and conditions only if it has all precribed terms correct with the signed document,
would they infringe the cca1974 and trading standards because what they advertised and what they wrote in the terms and conditions is different???
and incorrect and where can I find the trading standards or legislation that states this is considered an infringement of trading standards????
Any help please .........any litigator in the house????
Many thanks
cr
CAN THEY ENFORCE THIS TERMS AND CONDITIONS WITH AN INCORRECT
PRE-SCRIBED TERM!!!!!
Pt2537 V. Egg
via email to Egg
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