Hi again I've had a reply from the FOS (Sunil Patel); they'll be in touch as soon as they can. Normally, I would only use outlook but I found some e-mails in express covering the first six months of the Egg account. One of these is about a change in Ts and Cs and contains the paragraph - “Great anniversary balance transfer offers guaranteed until 2006. You'll get 0% fixed for up to five months on balance transfers made in the month of your anniversary.” What impression does this create in your mind? I've put this to the FOS.

Hi Stig Thanks for those; I'll have a look in minute but for now here's my follow up letter to the Ombudsman - My thanks to Julian for his help on the telephone yesterday. Further to my complaint form of 11th June. I have just read my July 14th statement from Egg and now find that I am to be charged interest on the balance fee. This is shown on the statement as merchandise interest; a quick calculation now gives an effective annual rate of 5.37% for what is supposed to be a rate of 0% for balance transfers. When I rang Egg on 17th July to register my complaint about this, I also queried the change in my June statement on their site. The format has been changed and there is now an alert to the fact that interest will be payable the following month. ‘Daniel’ checked with the Customer Relations Office and was told that the website was changed ‘a couple of months ago’ despite my evidence to the contrary. I have in the past accepted judgements from Egg on the basis that they should be a reputable company but I am finding it increasingly difficult to believe that my recent experiences with them are due to incompetence or honest mistakes. For instance; last year during the 0% on balance transfers period, I made a transfer of £11,500 to my bank account in June. No fee was charged although Egg have told me that a 2% fee was introduced in June. In September I transferred some of the debt to another credit card and then made another transfer to my bank account. An interest charge was shown in the 14th September statement, which I then queried with Egg. They said that the 0% rate only applied to transfers made in the first month of the period and that interest would now be applied to the whole amount. I took this at face value and paid off the balance, incurring transfer interest of £5.23 and merchandise interest of £22.41. I can only show a loss in terms of the interest I could have made on the money but I think Egg should reimburse this interest. At this point I should tell you that I have increased the number of credit cards I hold to 26 over the last three years, mostly to take advantage of introductory offers. Nearly all of the introductory offers involved little or no balance transfer charges and I did not use the others (their charges were not apparent until after I had received the cards). I also had an Egg savings account with a healthy balance during this period. Egg offered me a credit card on terms and conditions extending over a 2½ year period presumably hoping that I would be tempted by the 0% offer and wouldn’t be able to clear the debt within the six month period. They could then generate substantial income from the interest charges. When this ploy failed to work they employed dubious and possibly illegal tactics to try to provide the required income stream. I am a black and white person and having not broken any rules expect a professional and reputable organisation to treat me in a professional and reputable manner. If the offer they made did not provide the expected returns, they should look to themselves for the answers, not prey on their customers. Even if I am not due any compensation for all this messing about, it wouldn’t do any harm for somebody at a senior level in Egg to write a handwritten letter of apology. Stig, I know what you mean about the link thing - it's my first time at this.

Hi Stig You see it exactly as I do. I don't think Egg will give in on this until they are forced to. After they charged the transfer fee, I looked over their site and the T and C are filed away under legal stuff. I have numerous card accounts most of which were opened for introductory offers. All those which make a transfer charge are up front about it, although like you, I fail to comprehend why they are allowed to advertise a 0% rate. By the way, I rang Egg last night and spoke to Daniel to register my complaint about the interest charge and the retrospective change in the statement. Their CRO told him that the change was made more than two months ago, even though I have evidence to the contrary. I wonder when the addition of a transfer fee was really made. I will of course be raising these points with the Ombudsman.

Hi Stig You bet your credit card they are! Thanks for alerting me to this one. I downloaded and printed my statement on 16th June and there was no mention of this. Since then they have removed the printer friendly link (they're not very good at friendly) and retrospectively applied interest. I'll ring them and put my complaint on record and try to contact the Ombudsman tomorrow.

I've had a reply from EGG. They're still insisting that the changed terms and conditions apply because they sent me an e-mail. the fact that I didn't receive it seems to be irrelevant to them. I've now whizzed my complaint off to the Ombudsman using the arguments outlined in the previous postings and also raised the matter of "when is 0% not 0%; when its 5%" i.e. 2.5% over 6 months. Keep you posted. Cheers for now.

Sorry to hear that you're having similar problems, Stig. Well, CRO at EGG wrote to me on 22nd June but I couldn't deal with this until now. They say they e-mailed me in February and that it was detailed in the Terms and Conditions in March (I assume that this means the legal smallprint on their website that we all read every day - I hadn't even noticed it before). I've replied - Dear Sirs Thank you for your letter of 22nd June. You are correct in your statement that I am unhappy regarding a balance transfer fee being applied to my account without prior notice. When I telephoned your Customer Services Department to query the charge I was told that a balance transfer fee of 2% was introduced on this account in May 2005, and then increased to 2.5% in May 2006. My statements show that I was not charged a fee for a transfer I made in June 2005. I find it difficult to believe that this was due to overwhelming generosity on the part of EGG, and that it is more likely that you had problems with your notification system. Perhaps the styling of your e-mails make them more likely to be rejected by mail servers. I received no notification from you of the changes this year and there is no warning message on the website when making a balance transfer. You also have the opportunity to inform customers in the confirmation of transaction e-mail. In view of this I cannot accept your judgement and I will make a formal complaint to the Financial Ombudsman Service unless I receive a satisfactory response from you within seven days.

I got an EGG card in June 2004 with a six month 0% introductory offer on balance transfers (to be managed online). The 0% offer was also to be available on the first and second anniversaries of opening the account for six months each. Last year, as before, I took advantage of the offer; no balance transfer fees were suggested or applied. On 1st June this year I again took advantage of the offer and no mention was made of fees at the time of the transaction or in the confirmation e-mail. On 15th June I checked my statement in response to an e-mail. A 2.5% transfer fee!!!!! £285 !!!!! I rang EGG. They said the fee was increased to 2.5% in May 2006 and claim it was introduced in May 2005 at 2.0%. EGG didn't tell me this year or last (they ue e-mail) and I wasn't charged last year. I asked for the level of complaint to be increased and was told that EGG would write to me (they don't speak to complainers!) and that the fees are rarely reinstated. Anybody agree I have a case for a refund?