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.
Just realised I have not started a thread with egg.
Back in December we missed our monthly payment on the 23rd due to charges being taken from our Bank account (£1200 in 3 months - which we got back in full in Feb, without filing at court). The payment to egg was less than £10. egg added charges of 2x £16 for unpaid D/D and £16 for a late charge. The Bank charged us 2x £39. So, for a payment of £9 odd we incurred charges of £126. Plus the payment was still outstanding. I emailed egg and explained that I could not meet the payment with all the charges. I asked them if as a gesture of goodwill if they could waive the charges to enable me to meet the minimum payment. They said no. I couldn't make the payment they asked for, including all the charges.
On 12th January we received a default notice from egg. At this point the account was less than a month in arrears. Emails were exchanged back and forth but they were adamant they would not waive the charges. So finally in desperation I sent a SAR to them. I also explained that the account was in dispute. Got a letter back on 9th Feb saying "we are looking into your complaint". Got another one the same day saying "your egg card account has been terminated"! It was terminated with a balance of £575. In December the balance was £480 - within the limit of £500. So the rest was all charges that had been added since December.
Then on 18th feb got a letter from the infamous H L Legal. It was a letter with a "case" number, the threat of their representatives coming to levy on my assets, and a charge of £150 being added to the account. Needless to say they got a very short sharp letter the next day. Basically egg have been out and out a******es, they don't give a damn. I think once they got my SAR they knew what was coming and passed this straight to the debt collectors. Capquest are now dealing with it, although a letter to them about eggs antics have kept them quiet. The SAR request compliance was late. We had to fight the secure message I.D issue, but eventually we got the statements (and everything else!)
My lba was sent off in the week, and I will be filing at court without further notice to egg. I am claiming in excess of £1500, Oh and I forgot to mention the default that appears on our file after a string of green payments. No missed payments showing on the file at all, all showing up to date then BANG! a default. As the charges amount to much more than the default balance, that will be my lever to get it removed. There has been much more in the way of correspondence but this is the gist of it!
Sorry its so long - but as you can see egg are total a***s. They are not responsible lenders. When I asked for help right at the beginning of this sorry saga - where was it??
Well nothing much to report. lba is up. Will file at court at the end of the month (lack of funds right now!). CCA'd Capquest (who are now in default) strangely tho - they have written to say they have put the account on hold for a further 28 days. Can it be that they don't have the agreement? Me thinks that is the case! Funny they wouldn't give us peace before ........
we have just been totally ignored by Egg. No offers, no nothing! Oh well .... the wait will be worth it.
Haven't managed to file at court yet (had a badly needed holiday to fund!). In the meantime we have been getting letters from ARC debt collectors. Then a letter from Trevor Munn solicitors last week. They said they were going to take us to court, get a CCJ, blah, blah, blah. I wrote to Trevor and Co and explained the situation, that it is indeed Egg who owe us money and that court action is imminent. Got a reply this morning from ARC to say that they have closed the account and sent it back to egg, and that they have instructed Trevor Munn to close the account as well. Small victory there then! Egg think they can bully and threaten us with their debt collectors. Not so!!!
Will be filing at court as soon as the good old Woolwich cough up (gone past aq stage, just waiting for a court date). We will be claiming penalty charges plus the default removal which was placed on our file all of a few days after missing a payment.
Recent winners showed Egg to have become very enlightened, not at all obstructive in paying out if you send Eggmail or letters similar to the winners. Egg more than once volunteered to add on interest not asked. The latest winner taking 2 weeks from beginning to end, one winner needed only one week.
Nonstandard claims though, like Default removal have been known to take a very long time.
Ajjars V egg
to them. I also explained that the account was in dispute. Got a letter back on 9th Feb saying "we are looking into your complaint". Got another one the same day saying "your egg card account has been terminated"! It was terminated with a balance of £575. In December the balance was £480 - within the limit of £500. So the rest was all charges that had been added since December.
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