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    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
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    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
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      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.
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Egg credit card agreement terminated


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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
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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 ;-) )

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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.

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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:

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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
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: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.

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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.

 

:)

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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. ;)

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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.

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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:

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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
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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.

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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!

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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
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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.

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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

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