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 provided Egg with statement evidence that they owed me £80 in charges, but they have replied offering £16 because they reduced their charges from £20 to £16m and that Egg's practise of requiring customers to pay by direct debit meant that the presumption of unfairness in relation to charges over £12 does not apply where exceptional business factors apply, referring specifically to Egg. What should I do? Take it further or just take the pittance on offer? Help!
Thanks mate, thats a big help. I'll send a secure email to them now saying what you have illuminated there- by the sounds of it you just have to make out that you are serious about contesting it, and they'll avoid the hassle and pay up...is that about the short and the long of it?
Thankyou for your letter dated 19th April regarding my request for repayment of charges.
I have great respect for Egg's Genuine Pre-estimate of £20, great respect for Egg's Genuine Pre-estimate of £16 and great respect for all future Genuine Pre-estimates that Egg provide.
As a former cardholder I cannot help wondering, if after many years in business Egg has ever tried to reconcile Pre-estimates against Post-event audits. I am confident that a company devoted to justice and truth like Egg will not withhold evidence from the cardholder, that Egg will present evidence in court to show after-the-event costs, as well as before-the-event Genuine Pre-estimates. Therefore I intend to file a claim for the £80 charges and I hereby reject the £16 offer which you made in your previous correspondence.
moc1982 v Egg
with statement evidence that they owed me £80 in charges, but they have replied offering £16 because they reduced their charges from £20 to £16m and that Egg's practise of requiring customers to pay by direct debit
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