Hi Andrewjb i won against them too... sent them Prelim & LBA and they collapsed completely as they didnt want to fight in court as they would incurr more costs i am waiting for the cheque to drop on my mat as they said it will be here within ten days( from the 24th jan 07) regards paul

Hi Ian, im please for you, at the end of the day its the result you were looking for i think you need to look into the credit card situation as there is a lot of things that need to be considered such as if the debts have been properly sold on to the DCAs and if they have signed agreements etc. but at the end of the day ,again its your money they have taken and you have the right to get it back and you should also be able to get the defaults removed from your record if i am right i will keep my fingers crossed for you and i hope the money comes through for you shortly regards paul

Well sent my SAR yesterday using their online secure messaging along with authorisation to debit ten pounds from my savings account ( i paid ten pounds in so they could do this) today i got the following reply Dear PT2537 We can provide you with a copy of all the information which Egg holds about you. We charge ?10 for processing a data subject information request and we also request identification documents in order to verify your details. We've arranged for the appropriate letter to be sent and you'll receive this shortly. This letter will explain what documents we need you to provide. As soon as we have received your payment and identification document we'll start processing your request and you'll get your information within 40 days of us receiving those documents. If you pay the ?10 charge by cheque, you won't have to pay the standard cheque handling fee that is applied to cheque payments made to an Egg Card or Egg Money account. If you require any further information please contact us by sending a secure message through our website. Regards Barbara Ball Internet Customer Services clearly they have not thought about their response as my request was sent through their secure system .a delayinging tactic on eggs behalf me thinks .i have responded pointing out the facts that i have sent my SAR via secure message using my online account and have given them authority to debit my account accordingly therefore i consider them to be trying to delay the inevitable and also pointed out that they will work to my timeframe not theirs with regards to the 40 days which started yesterday by my reckoning will wait and see what they have to say paul

Hi Ian, nah she hast spent it yet ( only because it hasnt arrived) . its my understanding that you are correct regarding the LBA. i would give them til the 16th to reply and on the 17th if you dont get teh answer you want then i would be off to court. i think you are gonna have to bite the bullet and pay them this month though just incase the money dont come through in time or they dont give you the answer you want good luck regards paul

Hi GuidoT, i am grateful for you bringing this to my attention. it is obviously a risk to go down this route and while i appreciate that the cases are distinguishable i dont want to be the one that sets a precedent in this area so to speak especially now we have a new baby, so i think its safe to stay in the small claims track where there is no chance of me losing loads of money in costs if i did lose and i think i will shelve the contractual interest at this point. i will however add it to my claim against the woolwich as the interest makes it just under the 5000 limit regards paul

Hi GuidoT. well after reading those cases i have decided to have a serious re-think as my partner had our second baby 10 days ago we dont have much spare cash and could not afford a loss such as the ones sustained in the links you posted. i think i will stick to the tried and tested method of claiming the 8% CCA interest as the claim is already 3005.00 without the interest so i cannot afford to play around and lose it. thanks for opening my eyes regards paul

Hi Lucid thanks, im currently adding all the details into the spreadsheet and on monday i will be contacting my local court to ask a few questions regarding the "fast track" and the cost of going down this route compared with the small claims track i can now see the figures are correct i just didnt realise the effect of compound interest thanks again paul

Hi everyone, just sent my SAR via email to egg . i reckon they owe me a few quid and as i am taking on lloyds,ge capital, barclays,woolwich and black horse( waiting for a payment from them) i thought i may as well add the mighty egg to the list. i have heard that egg are pretty hard to crack (so to speak) so i may be looking for a little advice later on and any advice will be greatly appreciated paul

i have just added my details to Mindzai's spreadsheet however im a little concerned that i have c*cked it up a little. the figure that i am owed from july 01 to today is 3005( this i know is correct). when i add the info onto the spread sheet it calculates the interest owed as being over 4000 at 29.8 % APR which means my claim is boosted to over 7 grand which seemd a little high to me. also if this is the case i assume that i wont be able to go down the small claims track as its over 5000. can anyone clarifiy if this is right or not please regards paul

Hi Lucid. Thanks very much for that, i have downloaded Mindzai's spreadsheet and it was the bit on the first page where it asks you to enter the interest rate (APR) that got me a little lost as i was unsure what to enter. i found on the link you provided that unauthorised overdraft interest rate is 29.8% and i have a select account with them but as all the interest lloyds charged me over the past 6 years was due to unauthorised overdrafts then thats what i gonna go with. now its just the case of adding all the info to the spread sheet thanks again Lucid regards paul

Hi Everyone, just won against black horse ( well im waiting for the cheque to arrive -fingers crossed as they said they would pay up) and i am just about to tackle lloyds tsb but i want to add contractual interest to my charges. the only thing is im not sure what APR % rate to add on the spreadsheet.does anyone know how i find out what APR rate lloyds would have charged ? i have looked on lloyds tsb website and cannot find any info on unauthorised o/draft rates paul

hi steven4064 no i am only charging them the charges they have taken from my other half. i did think about the contractual interest but i didnt know where to start. i did look at the spread sheets but i couldnt work out what interest rate to put in so i left it regards paul

well, after conquering Black Horse or atleast they have promised to pay me back my charges. i thought i would have a go at GE capital on behalf of the G/friend. worked out they owe her 108.00 so the prelim letter is off to the post office in the morning. along with prelim letters to barclays and lloydstsb as they owe me money too!!! i will update this thread when i get a reply paul

Hi Ian, I hope you get the same response as me . fingers crossed. they are supposed to be sending me a cheque and it was supposed to have been raised today so hopefully it will arrive in the next few days although they asked me to give them 10 days to make sure it arrives. good luck regards paul

Hi Perseus & OldBear Thanks, im being a little cautious at the mo as i dont trust them until the money is in my bank account. it sems that they are genuinely gonna pay up but we will have to wait and see. i will update everyone once i hear from them regards paul

Hi All Well IT SEEMS TO HAVE WORKED!!!!!!!!! im not holding my breath at this stage though,but i had a call from the manager at southampton finance centre saying that "BYRON" whoever he is at head office has authorised my refund in full.apparently they didnt want to fight in court as " they didnt feel they had a reasonable prospect of winning and may incurr extra costs" ( NO SH!T) so i have been promised a full refund within ten days so i am putting the claim on hold for ten days and not a minute longer. i have as a precaution filled out the 3 copies of the N1 form and 3 schedules of charges just in case anyway good luck every one and i will update this post in ten days or so regards paul next on the list........................... BARCLAYS LLOYDS TSB THE WOOLWICH GE CAPITAL EGG

Hi joesoap thanks, im hoping that they settle up as my next battle is with B/Horses big brother LLOYDS TSB and that one is worth over 3000 but i have a 500 pound overdraft with lloyds and they will probably ask for it back when i start the claim against them so i need the money from this one to cover the O/D should they ask for it back. still if they dont pay up tomorrrow they will pay up in court that im certain of i will update tomorrow when i know whats going on regards paul

Hi Perseus. i have made a complaint about Black Horse for non compliance under the data protection act for exactley those reasons IE not having a data controller at 25 gresham street. although it is the address on the data pro register now. plus on the data protection register around a month ago B/ Horse were registered at 51 holdenhurst road in bournemouth which was years out of date. i have had a email from the info commissioners office saying they have had a great deal of complaints like mine and are currently investigating so nothing surprises me any more with B/H I will elt you all know when i get a further response from the comms office regards paul

Hi OldBear. i sent my SAR to the london office (25 Gresham Street) same as lloyds tsb s registered office. however it was not needed as what i did was to call the cardiff call centre on 08702427878 and very politley asked if they would be able to send me a copy of the statements from my loans. i didnt mention why i wanted them and the lady was very helpfull and sent them through a couple of days later. so you could try that it may be of help. if not then i would send the SAR to the registered office held on the data protection commissioners register which is Black Horse Personal Finance 25 GRESHAM STREET LONDON EC2V 7HN regards paul

hi joesoap no probs, my account was based in the southampton branch. however the calls go initially through to cardiff call center at st william house, tresillian terrace.so thats why i end up speaking to cardiff. i had 2 accounts with black horse,one was a straight forward loan which any branch could deal with and one was a flexible reserve account which only southampton were authorised to deal with i hope this helps regards paul

hi raverbaby1, pretty standard letter from Barclays,in fact i had the same reply last week . i assume that it was signed on behalf of peter townsend as well. dont worry too much about it they are just being awkward regarding their interpretation of the data protection act which they are quite right in saying does not require them to supply the information in a set format IE they dont have to send copies of your bank statements ,the info of the charges printed on plain paper would be perfectly compliant with the data protection act and suffice for what you want .all they are saying is they are gonna supply you the info you requested but it may be just all the charges you have incurred on plain paper or full on copies of your statements. it is also normal for the banks to say that they wont confirm if there was any manual intervention or not as if they say there was none it just makes your case stronger,again pretty standard. just carry on and follow the FAQs on here and you will be fine. i hope this makes sense regards paul

Hi joesoap i spoke to cardiff office and found them to be f**king useless to be honest,all they seemed interested in was trying to convince me to take more finance and when i explained i was not interested in finance and that they had levied unlawful charges( in my opinion) against my accounts they became rude and told me not to quote the law to them. as a result a formal complaint has been lodged with their head offfice. i hope you have more luck regards paul

Hi joesoap southampton office is the one im dealing with at the mo

just a quick update. spoke to black horse finance centre manager who advised me that they would not be contesting my claim. he said that he will call again on thursday to let me know when things will be settled and asked if i would hold off court action. i replied that i have filled out the N1 and as it is not due to be filed until thursday i will wait until thursday afternoon until i go to the county court to get the ball rolling. i explained that he should have enough time to call me thursday and if he didnt the its off to court we go( he seemed a little surprised by that :lol:) still im not gonna let them dictate the time frame i will update this thread when / if i get a reply on thursday

i totally agree Mr P , it would seem that black horse are merely trying to delay me by saying "its being dealt with so wait til i get a reply" still ive started filling out the N1 form ready to take it to the courts on the 7th. will update once anything happens regards paul