Egg have a little while left to file their defence, so I haven't been sent any allocation paperwork yet or been given a court date. What you're doing is tremendous, and should pave the way for the rest of us. Lee

ChrisUK1978, it sounds like you're in the same situation as me except a little ahead. Have you filled out an allocation questionnaire then? You have the court date?

Chris, I've also submitted a copy of your text to the OFT as a letter of complaint - well done for starting this. Lee

From the London Paper 19/10/06: "Egg's not all it's cracked up to be - A cut in spending by UK consumers forced insurer Prudential to admit today that its Egg internet banking arm would make a half-year loss. As well as lower-than-expected borrowing levels, the Pru said levels of bad debt - particularly in relation to personal loans - had exceeded forcecasts." Aw, diddums!

I'm in exactly the same position as you with regard to progress on the case, this is starting to get really interesting!

From what I've read of St Claire, he's willing to do anything to beat people down on behalf of Egg. My claim is small and I'm an otherwise impeccable customer, so I'd imagine I'm in the best possible position to win. I'm willing to take this forward without question - but if I am to pursue this successfully, I'll need help.

What do you determine as an impeccable credit history? The worst I've ever had is one charge from Egg on failure to meet a Direct Debit (which is what my case currently going through the courts is) and about ten charges from other banks, all of which I've had refunded. Aside from that, there have never been any major problems with my credit rating to my knowledge. At present Egg have entered that they intend to defend the claim I've made against them. They have since offered me £34 of roughly a £54 total, and also insinuated (but not outright said) that they have won their first claim. I have been told elsewhere in this forum however that this is because the defendant couldn't make a court date and it was in fact just dismissed. I refused the above offer by letter today, stating that I would not accept anything less than 100% of what I claimed for online. As far as I know, there are no errors in the claim I made online and therefore my case. If they don't come back with a 100% offer before the required date to submit a defense (assuming I've got my terminology right here), can my case be used in any assistance?

Thank you, I never saw that post.. I *love* all this! Consumers of the world unite!

Okay, I'm hoping you can help with this case - I've submitted a money claim online against Egg credit cards for about £53 - £30 court fees, £20 charge on a direct debit that wasn't covered (by about £3) and a couple of quid interest. They responded to the court saying they'd defend, but then sent me this (abridged): ".. 2. As you may be aware, a small number of customers have brought claims based on the same underlying facts as those stated in Your Claim. We are beginning to reach the conclusion of some of those claims, and we have recently had the first court trial for such a claim. 3. At the court hearing referred to above, the customer's claim against Egg was dismissed. Egg was awarded its costs of attending the hearing, together with its court fees in respect of the counterclaim. 4. We have no reason to believe that the facts of the claim referred to above are any different to the facts of your claim, and we are confident that should your claim proceed to trial, we will again be successful. 5. As you may be aware, the recent spate of activity by the Office of Fair Trading (the "OFT") in respect of default charges has concluded with the OFT's agreement (without admission by either side) to discontinue its action against Egg, and Egg has agreed to reduce its charge from £20.00 to £16.00. 6. We are prepared therefore to credit your account with £4.00 in respect of your claim (being £4.00 per default charge). On the assumption that this is acceptable to you, we will also continue your account. We will also refund you £30.00 for the court costs. ..this offer is available until 22 October when it will be withdrawn. .." That offer is obviously £20-odd shy of what I'm claiming for, but as far as I'm aware no-one's beaten Egg yet. I only have until the 22nd to accept this offer but want to get the full amount back. I want to reply and call their bluff, saying I'll only accept a settlement of the full amount, but I'm worried that even if I write that letter then they'll pick holes in it and use it as a defense. Can anyone suggest the next course of action? I'm a little worried about this, but I want to persist and fight on to get what I believe is mine. All and any help appreciated - Lee