Hi Lee, thanks for the prompt response. Here is the ref no. I received Subject: Re: ‘WRT135 – CAG Forum’ [#10527912] Thanks

After trying everything to resolve my issue, i have turned to this forum and the Vodafone WRT to come to my rescue! I am writing in regards to the poor level of service that has been provided by vodafone. I am utterly disgusted with the way I have been spoken to and how long it has taken for vodafone to provide me with a service that I am paying for. My household which holds 5 vodafone contracts had been experiencing very poor signals within the household. I rang Vodafone customer services to highlight this matter and to explain that I felt I needed a sure signal box to aid with this issue. The customer services department refused to provide me with one and felt it was more appropriate to leave 5 lines with persistent signalling issues. 6 weeks later, after having to contact the department on over 7 occasions and also being spoken to rudely, I spoke with a manager (Reece) and he couldn't understand why I hadn't been provided a sure signal box from the outset and promised to send one out, of which 2 weeks later I am still waiting for. Due to the unacceptable service I have received, I was ready to cancel all 5 lines and take them elsewhere. however as I explained to the manager I was due an upgrade he promised to organise an upgrade to an Iphone 5 with a significant amount of goodwill for the trouble I have experienced. Since then I have been ready to take an upgrade and take out an additional Iphone contract and have been promised several call backs which never get returned. I received one call which wasn't convenient, and they advised me I would get a call later again in the day (November 12th)... I'm still waiting for a return call. I have since written an email to Cameron (12/11/12) to which I have received no response, and subsequently called in (15/11/12) and spoke with Emma McCaugherty and have had no response. I am at a loss to understand how this issue is still unresolved since bringing it to your attention in September. I have now lost patience, and will no longer be chasing Vodafone for a problem they should be doing their best to rectify. I am prepared to give a final five working days to resolve this issue. After this period, if this issue is still unresolved, I will be consulting my solicitor to resolve this matter.

Anybody around?

Sorry only just noticed the response. Thanks UB

hi guys still need an answer to the above question, but in addition, On my SAR i notice it states interest rate is 0.1488960. Have they just put the APR into decimal format?

Oh and one last thing. I'm using the spreadsheet to calculate amount owed including CI. I closed the card in 2008, does that mean i only calculate the CI till the closure date or to the present day?

Afternoon guys, Had a response to the threat letter regarding the SAR which is great! I have now detailed all the charges, do i send them my reclaim request to the same address i sent the SAR?

Is there any legislation that covers insurance products, such as contents / buildings insurance

Ignore me, just found it :o)

Hello again, i've come accross alot of threads that show a link to the templates yet when i click on the links in takes me to a page with various articles. Am i missing something?

Hello again, Following DX's advice i used the ppi / late charges plus the fact they gave me incorrect arrears figures for my default notices (which i never recieved) as grounds for my arguement. Initially they tried to bat it away, but following a threat of legal action, they have removed the default, and curiously in their letter to me they state, they are doing this as there has been a change to their business policy implemented in December 2010. What that means i do not know! Thanks everyone for all your help!! A happy rainman :o)

Apologies for the upcoming stupid question. To calculate the APR do i just multiply the monthly statement interest by 12 ie 1.24 = 14.88%

Hi guys, simple one really. I've received the information i need from my SAR regarding default charges on my egg credit card. I'm am in the process of calculating the amount i should request, and here is the difficulty. I have read alot of threads on reclaiming charges to the point where i think i have confused myself! What i need to know is what exactly should i be asking for. If we take for example a default charge of £20 in January 2006 do i apply 8% or the interest on the statment which was 1.24(monthly) Thanks again.

Are the bank charges template letters still available? I've looked through the library but cannot find them?

Hi guys, Egg have been trying to waste my time and keep ignoring or dismissing my complaints without actually responding to them. I feel i would be best served taking this further away from dealing directly with Egg. Reading from various posts, it seems defaults are not in the remit of the ombudsman, so court is the best way forward. Could anyone point me in the direction of the example of someone going to court to remove a default ?

Thanks for the quick reply!

Hi guys, I sent MBNA a SAR about a month ago. I recieved a reply in the post today which contains my CCA and only my last statement. The account is closed so im not too bothered with the CCA, what i wanted was all my statements which higlighted all my charges. Do i need to write back to them requesting this again, or is there a phone/ email i can contact their SAR dept on? Many Thanks

anyone?

Hello again, Thanks for the prompt response DX. I have found that the arrears information given to me is incorrect disregarding the ppi at this stage (ppi reclaim is ongoing investigation with them) If this is the case, does this again make the default invalid? I'm looking through the Credit Act and can see the section covering arrears but cant seem to work out which is relevant to the actual amount and consequences if it is incorrect. Seems i'm having a blonde moment. Any pointing in the right direction would be greatly appreciated.

Hi guys me again, quick question. Can Egg apply a default on an account that has an invalid CCA? Just to re itterate, the debt has been paid off, so not looking to invalidate, just looking at different angles.

Ok i see where you are coming from. So my next step would be reclaim ppi/charges, and then request egg to remove default as their figures in the DN would have be incorrect. I am looking for an example of a template of a default notice early 2007 (jan/feb) - the one they sent me in their reply to my complaint was for late 2007. Would i find one on this site?

Anyone?

Thanks for the above info. Following a reply to my official complaint, egg state they sent me an intent to default notice however do not keep copies of this as they do not have to? They feel the default was applied correctly.... end of story! Like i said from the SAR there is no ref of default being sent on their system, but their response was on their notes system there is- Are they obliged to supply all info about me held by them or is there some discretion(SAR) Im still pursuing the ppi/charges angle however am i bit stuck on the grounds of non notification. Any ideas?? Also if i want to chalenge the default, whilst the FOS is snowed under, is there a process where i could take this through a small claims court?

Ok, would the selling of debt 'rules' be found in the consumer credit act, or would i need to look else where?

Hi guys bit of an update following some correspondance with Egg. They have advised me; -The intent to default letter was 'apparently' sent on the same day they filed the default with the CRA -They allow customers 28 days from the date of the letter to remedy the situation. -I remedied the situation within that timeframe, but i was contacted by the DCA rather than them, and so the settlement was with them. Now i've already got quite alot to hit them with thanks to the above posts however a have a couple of question with regards to this new information; -Can Egg sell on my debt before the given 28 days -If they have sold on the debt, are they supposed to inform me. -If they have not followed correct protocol with regards to the selling of debt, what action could i take? On a side note, Natwest have removed a default on my file, following a sar and a phone call! Thanks again for all your help!