Jump to content


  • Tweets

  • Posts

    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Egg credit card agreement terminated


toymaker1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4866 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 1.6k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Please get in touch.

 

Customer reference: xxxxxxxxxxxxxx

 

Dear Mrs P

 

Please contact us immediately on 08456 000 296. Were open 8am to 9pm Monday to Friday, Saturday to Sunday 9am to 6pm.

 

If youve already spoken to us today, please ignore this e-mail.

 

Please don't reply to this email as it's an automated message.

 

Yours sincerely

 

 

Collections Department

Egg Banking plc

 

 

 

 

Secure message again.

They said this cannot be discussed by secure message or email.

Edited by phatram
Link to post
Share on other sites

Quick update.

 

An Egg employee has agreed verbally that they have cocked-up on this and indeed the termination letter did mean that there was no contract in place.

 

Be nice if they would put that in writing ! :eek:

 

What is your latest situation with your action over this (PM if you like ;-) )

Link to post
Share on other sites

Be nice if they would put that in writing ! :eek:

 

What is your latest situation with your action over this (PM if you like ;-) )

 

Don't think that is likely.

 

Lawyers are awaiting response from Egg.

It would seem that they don't have an active legal department.

Link to post
Share on other sites

Don't think that is likely.

 

Lawyers are awaiting response from Egg.

It would seem that they don't have an active legal department.

 

Do you mean no active legal department or just that the one they have is ineffectual ? :wink:

Link to post
Share on other sites

You are free to make your own interpretation.

 

:)

 

:D Well I suppose whichever the result is the same ! :roll:

 

PS: I'm still awaiting Egg's reply to my 'dispute' letter in which I mentioned the 'termination' letter as well as 'approved limit' and 'charges on default'.

Edited by basa48
added ps:
Link to post
Share on other sites

:D Well I suppose whichever the result is the same ! :roll:

 

PS: I'm still awaiting Egg's reply to my 'dispute' letter in which I mentioned the 'termination' letter as well as 'approved limit' and 'charges on default'.

 

They are stuck on the termination letter.

They don't know how to defend it, and are thinking hard.

Link to post
Share on other sites

Had another contract lawyer look at the termination letter today.

We have three opinions that the letter breaks several areas of contract law.

 

Will not go into any details - for obvious reasons - we await the Egg to respond.

 

:)

Link to post
Share on other sites

Had another contract lawyer look at the termination letter today.

We have three opinions that the letter breaks several areas of contract law.

 

Will not go into any details - for obvious reasons - we await the Egg to respond.

 

:)

 

Could be a while me thinks.:-)

 

Hope you can give us some pointers when the time is right. ;)

Link to post
Share on other sites

Could be a while me thinks.:-)

 

Hope you can give us some pointers when the time is right. ;)

 

I don't think we will get a response from them.

We will give them until end of March to respond.

Link to post
Share on other sites

I don't think we will get a response from them.

We will give them until end of March to respond.

 

Hmmmm ... 'basa48' wonders what your next move might be if they don't respond !!

 

(Don't tell me on open forum ;-) )

 

This is getting interesting. :smile:

Link to post
Share on other sites

Hi

 

Been reading this thread with some interest after a quick search on google for 'Egg Card terminations' as I wanted to know if anyone had taken Egg to court following the mass terminations last year.

 

My O/H received a letter from Egg a few days ago (dated 6th March)

saying the following so looks like another lots of customers cards have been 'ended' !

Just to confirm he has never missed a payment and is not in default.

He recently asked for an increase in his credit limit and was refused!!

He is now gobsmacked at recieving this letter.

 

Letter from Egg:-

 

Your Egg Card will not be renewed.

 

Dear Mr XXX

 

At Egg we are committed to being a responsible lender and review credit card accounts in the period prior to the expiry date of the current card.

 

Following a review we have decided not to issue a replacement when your current card expires and to end your credit card facility.

This decision also applies to cards issued to any additional cardholder.

Please be advised that this means after the expiry date you will not be able to use your account and any regular payments such as monthly subscriptions will not be paid. You should contact your service provider to arrange cancellation and alternative means of payment.

 

If you do have a balance outstanding on this account you will have to continue to pay at least the minimum payment required under your Card Agreement each month until any debit balance on the account is repaid in full. The Card Agreement continued to apply until the balance is repaid in full.

 

If you'd like to discuss this letter, or your account, you can contact our Customer Services Team on 08451 233 233

 

My O/H did call Egg initially asking why they have done this and they just kept saying it is a company decision due to the credit crunch!

Is this a replay of last year or is it damage limitation do you think?

 

I am waiting to see what happens before I raise a dispute with them myself now.....

Edited by egg_nog
sp
Link to post
Share on other sites

Is this a replay of last year or is it damage limitation do you think?

 

A bit of both, trying to reduce outgoings whilst maximising incomes.

 

The have subtly changed the wording of this new 'termination2' letter to more comply with the CCA.

 

I think all they are achieving is a bad name for Egg.

Link to post
Share on other sites

I'm still waiting for them to send me a copy of the termination letter I was sent last January - bet you ANY money that I end up with one of the new style ones. Shame I haven't got a copy of the original. :-(

TheKat1979 - Taking Control!

 

Taking on -

Barclaycard via HFO - daft application form sent

Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

Link to post
Share on other sites

Hi

 

Been reading this thread with some interest after a quick search on google for 'Egg Card terminations' as I wanted to know if anyone had taken Egg to court following the mass terminations last year.

 

My O/H received a letter from Egg a few days ago (dated 6th March)

saying the following so looks like another lots of customers cards have been 'ended' !

Just to confirm he has never missed a payment and is not in default.

He recently asked for an increase in his credit limit and was refused!!

He is now gobsmacked at recieving this letter.

 

Letter from Egg:-

 

Your Egg Card will not be renewed.

 

Dear Mr XXX

 

At Egg we are committed to being a responsible lender and review credit card accounts in the period prior to the expiry date of the current card.

 

Following a review we have decided not to issue a replacement when your current card expires and to end your credit card facility.

This decision also applies to cards issued to any additional cardholder.

Please be advised that this means after the expiry date you will not be able to use your account and any regular payments such as monthly subscriptions will not be paid. You should contact your service provider to arrange cancellation and alternative means of payment.

 

If you do have a balance outstanding on this account you will have to continue to pay at least the minimum payment required under your Card Agreement each month until any debit balance on the account is repaid in full. The Card Agreement continued to apply until the balance is repaid in full.

 

If you'd like to discuss this letter, or your account, you can contact our Customer Services Team on 08451 233 233

 

My O/H did call Egg initially asking why they have done this and they just kept saying it is a company decision due to the credit crunch!

Is this a replay of last year or is it damage limitation do you think?

 

I am waiting to see what happens before I raise a dispute with them myself now.....

 

This is yet another bit of proof that they messed up with the original termination letter. And boy-oh-boy do they know it.

 

What they have done to your o/h is perfectly within their rights, and they have done it correctly this time (assuming your transcription is accurate).

 

Although, it also is clearly not written by a legal expert.

 

It does also reinforce the widely spread rumour within banking circles that yet more jobs will be gone in the UK due to greed.

 

:-x

Edited by BigEddieChek
Link to post
Share on other sites

What they have done to your o/h is perfectly within their rights, and they have done it correctly this time.

 

Unless they have done any recent dodgy increases on the interest rates of any outstanding balance - which might be considered unfair by the Financial Ombudsman.

 

It does also reinforce the widely spread rumour within banking circles that Citi are allegedly winding-up are certain UK part of their operation.

 

Eddie, this thread has persuaded me to move my savings out of Egg and into a safer bank that pays a lower interest rate. When I called them up to do the transfer they never even tried to persuade me out of it.

Link to post
Share on other sites

 

My O/H received a letter from Egg a few days ago (dated 6th March)

saying the following so looks like another lots of customers cards have been 'ended' !

Just to confirm he has never missed a payment and is not in default.

He recently asked for an increase in his credit limit and was refused!!

He is now gobsmacked at recieving this letter.

 

Letter from Egg:-

 

Your Egg Card will not be renewed.

 

Dear Mr XXX

 

At Egg we are committed to being a responsible lender and review credit card accounts in the period prior to the expiry date of the current card.

 

Please be advised that this means after the expiry date you will not be able to use your account and any regular payments such as monthly subscriptions will not be paid. You should contact your service provider to arrange cancellation and alternative means of payment.[/size]

 

 

My O/H did call Egg initially asking why they have done this and they just kept saying it is a company decision due to the credit crunch!

Is this a replay of last year or is it damage limitation do you think?

 

I am waiting to see what happens before I raise a dispute with them myself now.....

 

Hi,

 

I'm sorry to have to disagree with other contributors to this thread who seem to think that Egg are just about keeping within the provisions of CCA 1974.

In my opinion, Egg are doing this in a mistaken belief that it falls within CCA, in contrast to the mass termination letter, which even they now realise falls outside CCA.

The letter sent by Egg to your o/h is just as invalid as the mass termination letter of last year, - for the following reason;

 

Egg have indicated to you that any regular payments out of your Egg Card account such as monthly subscriptions to a third party will not be paid. EGG CANNOT DO THAT!!!!!!!

As you have not breached the terms of the agreement (i.e. you are not in arrears), the most that Egg can do is restrict or defer your right to draw on credit.

I know this sounds confusing, but to take two examples,

 

1. Egg is acting totally within it's rights to not provide you with further credit - by, for example refusing to provide you with a new credit card.

 

2. Any previously arranged/agreed monthly payments out of your Egg account fall within the term "restricted use" credit. Therefore such previously agreed payments must be honoured by Egg - They canno just leave you in the lurch by stopping the payments out of your Egg account.

This is covered by, for example, S11(b) of CCA 1974. Additionally, a court would regard it as an unfair business relationship within the terms of S140 of CCA1974.

 

Hope that makes sense.

 

Regards

Peter

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4866 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...