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.
DPA received, and prelim letter sent claiming for £120 charges. Egg replied stating in part of their letter: "Egg does not believe that the terms and conditions of the agreement are in any way unlawful or unfair. Egg recognises that customers sometimes exceed their credit limits and/or fail to make a payment and has systems and processes in place to deal with this. These include the use of computer systems, staff and other necessary costs. The charges set out in condition 7 of the agreement are calculated by taking into account the costs incurred by Egg in maintaining these systems and processes and dividing this sum by the estimated number of customers who will exceed their credit limits or fail to make payments. These charges therefore represent a genuine pre-estimate of the loss caused to Egg by customers who break the terms of their Agreement."
They haven't actually said they won't repay these charges and refer me to the FO. Sending lba tonight!
Banofi
Lloyds *WON* £1469.82
NatWest *WON* £1177.00.
Morgan Stanley *WON* £112
Barclaycard *WON* £144
Nationwide LBA 22nd Sept 2006. Court claim filed for £5792.29 31st July 2007.
Lloyds Credit Card flatly refused to pay me on 11/12/2006.
Egg Credit Card. Small offer made (£24.00). 17/2/2007, refusal letter sent 18/2/2007.
Useful links: www.versiontracker.com/dyn/moreinfo/macosx/23608
Sent lba, Egg replied offering me £24.00. I wrote back saying I want the full £133.03 and do not accept their offer of £24 as Full and final settlement.
Banofi
Lloyds *WON* £1469.82
NatWest *WON* £1177.00.
Morgan Stanley *WON* £112
Barclaycard *WON* £144
Nationwide LBA 22nd Sept 2006. Court claim filed for £5792.29 31st July 2007.
Lloyds Credit Card flatly refused to pay me on 11/12/2006.
Egg Credit Card. Small offer made (£24.00). 17/2/2007, refusal letter sent 18/2/2007.
Useful links: www.versiontracker.com/dyn/moreinfo/macosx/23608
Sent lba, Egg replied offering me £24.00. I wrote back saying I want the full £133.03 and do not accept their offer of £24 as Full and final settlement.
Standard rubbish from Egg, the paid me out on Friday. Stick to your guns.
I've won! They wrote to me offering me the full £133.03. but they sent me the standard letter about paying it into my account (i closed my account with them over a year ago!), and that they are going to close my account (what account?!?!). ha ha..... NEXT!!
Banofi
Lloyds *WON* £1469.82
NatWest *WON* £1177.00.
Morgan Stanley *WON* £112
Barclaycard *WON* £144
Nationwide LBA 22nd Sept 2006. Court claim filed for £5792.29 31st July 2007.
Lloyds Credit Card flatly refused to pay me on 11/12/2006.
Egg Credit Card. Small offer made (£24.00). 17/2/2007, refusal letter sent 18/2/2007.
Useful links: www.versiontracker.com/dyn/moreinfo/macosx/23608
Banofi v Egg
replied stating in part of their letter:
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Originally Posted by banofi
