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.
Had this reply from Egg today after sending a request for repayment and a schedule of charges -
Re: Request for repayment of charges — Account number...
Thank you for your letter dated 16 April 2007.
1. Your Credit Card agreement (‘the Agreement”) with Egg Banking plc (“Egg”) clearly states that charges will be added to your account if you exceed your Credit Limit or fail to make your contractual payments. In accordance with condition 7 of the Agreement, a charge of £20 (or since August 2006, a reduced charge of £16) has been added to your account each time you exceeded your Credit Limit or failed to make a payment.
2. 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 Limit and/or fail to make a payment and has systems and proccesses in place to deal with this. These include the use of computer systems, staff and necessary costs. The charges set out in condition 7 of the Agreement are calculated by taking risks into account the costs incurred by Egg in maintaining these systems and proccesses and dividing the sum by the estimated number of customers who will exceed their Credit limit 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.
3. Egg takes steps to help you avoid incurring charges. For example, the Agreement requires you to maintain a direct debit to make your monthly payment so that you won't miss a payment accidentally. You can avoid inadvertently going over your credit limit by checking your account on egg.com at any time.
4. If you have any concerns relating to information held about you by a Credit Reference Agency you should contact the agency directly. Egg uses the following agencies:
a) Equifax (Equifax File Centre, P0 Box 1140, Bradford, BD1 5US) b) Experian (P0 Box 8000, Nottingham, NG1 5EX) c) Call Credit (1 Park Lane, Leeds, LS3 1EP)
If there is anything in this letter that you wish to discuss or needs further explanation, please don’t hesitate to contact me using the contact details at the side of this letter. Alternatively my direct number is 08007 834 393 ext 6156.
You now have six months from the date of our resolution to take your complaint to the Financial Ombudsman Service — further details are available on www.financial-ombudsman.org.uk. A copy of their leaflet is available, so please contact us if you would like one sent to you.
Yours sincerely
Ema Clayton Customer Relations Adviser Egg plc
The amount I'm claiming back is only £100 so I'd expected them to pay up pretty easily. Does anyone have any advice as to what I should do next? Send them an lba? Would appreciate any advice.
Just adding to say that I know the next step would normally be to issue an lba, but I notice this is only usually done if they've offered a part settlement. As all my charges are £16 (no £20 charges), there's no difference to offer.
Should I send them a letter asking for a full Breakdown of their estimate, and how they arrive at £16?
dduk022 vs Egg
for a little while, but I've finally sent them my SAR
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