Surely if they withdraw credit facilities then the terms and conditions of the Consumer Credit Act can't apply? Then they could issue a default. How can they default a credit agreement that doesn't exist? I think Egg are just trying it. They have court soon with a couple of cases lets see what happens. It will be interesting. They have interpted the OFT report as suits them. Courts might see if very different. Yets see if they are prepared to show their hand at Court. I doubt it as £16 might soon become £1.50p

14 days straight NOT working days

The date the charges were applied are the relavant dates. Not the date the item occured. Even if you miss a DD on one day you may not be charged until several weeks later. Normally on or about the same time on the month.

I think they have been known to try and pay it in none existent accounts and some people have managed to go the their local branch and take it out. If not then a cheque will have to be sent.

The default will be with you so will move with address. With my Amex account I wrote and asked for copy of default notice. To be honest their reply dropped them in it. i.e. they admitted it wasn't issued. Write and say (if you didn't receive a letter advising they wanted their money back or else they would cancel the account ) you did not receive a copy of the default notice as required under section 88 of the CCA. If they cannot supply it then ask them to remove the notice forthwith or you will seek damages resulting from the use of incorrect information. You won't get much out of credit reference agencies. They just ask Egg if Egg say it's correct they believe them. I wrote to one credit reference agency and suggested that as Amex had admitted they (or in your case could prove) they had issued a default notice then it can be assumed the credit file is misleading, which means they have a legal duty under the DPA to remove it. Hope that helps.

Full offer received from DG with usual confidentiality bit - Expect funds soon - Almost there. And that little Russian wife of mine has been telling me every day that I would not get my money. Now she wants to tell everyone lol

Well I claimed 3000 ish and the interest portion was so small and so difficult to calculate I didn't bother. I know some forum members have done this but as my OD limit changed so much it would have been a mess.

If they offer the full amount (accepting the disputed charges) A Court might not be impressed if you hang on to get another 8% and might award less.

How is your case going. Have they acknowledged your claim?

You sent a letter before action giving them 14 days. So after 14 days you take it to Court.

I would suggest he is right for once - renewal fees are not charges (penalties) I would accept the offered amount but they cannot it is used to pay off your debt but this is up to you. It might be one way to reduce it and get rid of them.

Returned from hols to find I had finally received the information on Fees and Charges. Not so easy as other banks to find info but done it now. Total of £2200. So initial approach sent today. Now on the long wait. Well 14 days seems a long time when waiting for MY money.

Notice from Court they intend to defend and lol a letter offering 50% from DG. Replied "No Thanks"

Mine acknowledged 9th 50% offer today

It seems FD are taking around 7 - 10 days to acknowledge the claim.

I wouldn't bother - If they want to esculate it, it is for them. I wrote back and told them thank you for blah blah and suggested it was for them to worry about how they dealt internally with the matter and I would be issuing claim in X days. Strangely I got a standard letter from RK two days later but it is a waste of paper anyway as it was exactly the same standard letter as before.

nothing on mine either - Guess we are keeping them busy

It's unlikely but always a chance.

Yes but you can expect them to close your account.

They sent standard letter so do the same. !

Monday morning and still not showing as acknowledged. Head off to France tomorrow night so hope something quick or it will have to wait 7 days until I return. I'm not sure if it is Moneyclaim slow to update (some forum members reported) guess I can hope DG have sent me a letter when I get home.

You need to issue a counter claim to the County Court summons. Same as the words for N1 in templates. Have to make sure you do it fast.

Nah - I know my luck. They will wait until 13 days. Issue defence then I'll have to wait lol.

Well if they issue a Court claim you can add counter claim.

Mine wasn't acknowledged on first - issued - so you are just infront I think