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.
SAR posted 26-Feb-07 and received by Egg on 27-Feb-07
Following another post on these boards I sent a secure message to them on 17-March-07 telling them to accept my message as proof of my ID. I told them in no uncertain terms that they will accept the ID as proof of my ID and that the late request for ID is merely a stalling tactic so I will continue to take the legal deadline of 40 days for the information from my original request.
SAR posted 26-Feb-07 and received by Egg on 27-Feb-07
Following another post on these boards I sent a secure message to them on 17-March-07 telling them to accept my message as proof of my ID. I told them in no uncertain terms that they will accept the ID as proof of my ID and that the late request for ID is merely a stalling tactic so I will continue to take the legal deadline of 40 days for the information from my original request.
I look forward to the 09-April-07 !!
David
That must have worked because today with 17 days to spare I received all the statements for my Egg credit card for 7 years.
It appears that I only went over the limit three times so my total charges amount to £60.00.
Not wanting to look a gift horse in the mouth I'll send my claim off tomorrow.
After sending off my claim to Egg, a week later on the 29-March I received two letters; one saying that they have received my complaint (?) and one offering me £12.00 (3 x £4.00).
On 07-April I sent them a letter accepting the £12.00 as a part payment for the full amount of £60.00. They have 7 days to pay this and then the remaining £48.00 to be paid within 14 days. Otherwise I will commence legal proceedings.
After sending off my claim to Egg, a week later on the 29-March I received two letters; one saying that they have received my complaint (?) and one offering me £12.00 (3 x £4.00).
On 07-April I sent them a letter accepting the £12.00 as a part payment for the full amount of £60.00. They have 7 days to pay this and then the remaining £48.00 to be paid within 14 days. Otherwise I will commence legal proceedings.
Received another letter from Egg today confirming that MY money will be in my bank account within 4-5 working days - they've become very helpful all of a sudden
Barely a day goes by without new claimants diffidently posting the question "Egg sent me a rebuff letter, what do I do?" You clearly had no doubts, and your entire campaign took just 47 days.
Why? Eggployees, I suspect, have standing orders to read between the lines like poker players. When they come up against a ferocious claimant they retreat, otherwise they stall and ride their luck. Lets see how you achieved rapid results.
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FEB 26 - you sent S.A.R - (Subject access request) to Egg.
MAR 12 - you reinforced SAR with Secure Message "IN NO UNCERTAIN TERMS" demanding response within 40 days.
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MAR 22 - FROM EGG: 7 years statements received.
MAR 23 - you sent letter to Egg quantifying precise claim.
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MAR 29 - FROM EGG: derisory offer of settlement.
APR 07 - you sent letter to Egg warning of legal proceedings from 21 APR. "I was ready for a fight as well".
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APR 14 - FROM EGG: offering full refund.
APR 18 - FROM EGG: full refund received.
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Granted your claim of £60 was smaller than some, and you appeared not to have claimed interest, but I believe your resolution leapt off to page and hit Eggployees with Eggstraordinary force. Suggest all claimants who receive derisory template letters from Egg, to reply saying:
that they know daipp got full refund within 47 days,
that in daipp Egg have seen nothing yet,
that they are twice as hard as daipp.
They probably could do with your convincing letters as templates, lol.
Thanks for your comments and thanks to this board as well.
It's important that everyone takes their time to read as many threads and posts as possible and follow the guidance as closely as they can.
The other thing I would recommend is that your 14 days doesn't mean seven weeks, or 7 days doesn't mean when you've got time. Stick to the deadlines and stick to your demands. The financial institutions you are fighting, stuck to theirs when they took your money.
daipp v Egg
posted 26-Feb-07 and received by Egg
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Originally Posted by daipp
