Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
    • Yes please. We have certain direct access to Marston and we may be able to get someone to look at this at a senior level. Please email us as requested with your own contact details and name of previous tenant.   We can't guarantee any particular result but we can promise you that it will be looked at.
    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
  • Our picks

Jackanory

Jackanory Vs Egg ***WON***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4205 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Right then, after last year successfully getting £1100 back from HSBC, now it's Egg's turn! Like a lot on here it seems, they have taken my card away despite never missing a payment and not going over my limit in 2 years. I requested my statements, paid a tenner and hey presto - they owe me £*** plus interest. Which will pay for my holiday this year, thanks Egg!

 

I wrote my first letter on April 20th, got the standard "we think our charges are valid" letter back from someone called Sheila Hood. I've now sent letter 2 (LBA), I have about £600 outstanding on my account so I've added on the letter that "I will only accept complete payment by form of cheque, any offer to fully, or partially credit my account will be rejected as being completely unacceptable".

 

Will keep everyone one here informed.... Would be good to hear from anyone else at a similar stage or, in particular, anyone that has requested payment by cheque rather than account credit?

Edited by Jackanory

Share this post


Link to post
Share on other sites

I requested payment by cheque and accepted payment (in full without interest) by BACS. My thread is here http://www.consumeractiongroup.co.uk/forum/egg/134069-steveh2508-egg.html


Nationwide - Prelim sent 02/07 - MCOL filed 04/07 CHARGES SETTLED IN FULL!!

Woolwich- Prelim sent 04/07 - Offered 90% - 06/07 accepted

MBNA - Prelim sent 02/07 - CCA request sent 03/07 - CCA reply (illegible + no T&Cs) - DCA sent packing - Restons now trying - gone quiet

Citicard - Prelim sent 02/07 - CCA request sent 04/07 - replied 04/07 No contract & not enforcing!- passed to 1st Credit- gone quiet

Egg - Prelim sent 02/08 - 3 letters - full offer 03/08 SETTLED IN FULL!!

(All starry, rep, clicky thingies gratefully received!)

Share this post


Link to post
Share on other sites

Cheers, very helpful actually, some top quality letters in there too! Any reason why you didn't chase the interest?

Share this post


Link to post
Share on other sites

I believe Egg would be more disposed, if so requested, to pay any moneys into your own bank account (sortcode, accno). If a cheque is sent and it goes astray or is intercepted, regardless of crossed or not, it can be cashed quite easily these days using an unscrupulous cheque cashing shop.

 

Another reason why Egg ask for proof of ID and utility bill when statements are requested.

 

Good luck.

Edited by Mistermind
typo

 

 

Share this post


Link to post
Share on other sites
Cheers, very helpful actually, some top quality letters in there too! Any reason why you didn't chase the interest?

 

Speed - lack of hassle - certainty of outcome - I took a value judgement that they would roll over for the basic amount fairly easily and I have other things to do with my time than argue with that crowd (in or out of court). They took a 'commercial decision' - I took a commercial decision - who do you think was right? :grin:


Nationwide - Prelim sent 02/07 - MCOL filed 04/07 CHARGES SETTLED IN FULL!!

Woolwich- Prelim sent 04/07 - Offered 90% - 06/07 accepted

MBNA - Prelim sent 02/07 - CCA request sent 03/07 - CCA reply (illegible + no T&Cs) - DCA sent packing - Restons now trying - gone quiet

Citicard - Prelim sent 02/07 - CCA request sent 04/07 - replied 04/07 No contract & not enforcing!- passed to 1st Credit- gone quiet

Egg - Prelim sent 02/08 - 3 letters - full offer 03/08 SETTLED IN FULL!!

(All starry, rep, clicky thingies gratefully received!)

Share this post


Link to post
Share on other sites

Right then, Egg have offered me a £4 refund on all 20+ charges that were £20. It mentions in the letter that the OFT stated that the presumption of unfairness in relation to charges over £12 would NOT apply and specifically refer to Egg's practice of requiring all account holders to have a direct debit set up.

 

It also says "you allege these charges are a penalty. You put forward no evidence to support this and we do not accept it" I thought as I am contacting them they are the ones required to show me evidence to prove that they are justified at £12, £16 or £20?

 

I'm going to push for court proceedings now, should I use MCol or go to a court direct? Do I have to wait for the 14 days to pass after my LBA before I can do this or can I do it now? I suppose I need to send the old "I accept your offer of £*** but will only accept this as a part payment for the full amount of £*** that I want paid by cheque or BACS transfer" etc?

 

Your help, as always, is very much appreciated!

Share this post


Link to post
Share on other sites

It is your case to run as you see fit.

 

Forum experience is that the court route will only slow down repayment. Egg does not stall and resist like other cards. The £4 offer Eggployees just sent you is their red herring template letter which they are obliged by upstairs to send out. They do not believe CAG claimants will be put off, but are obliged to try. It is a choreographed dance, already performed many times in the past.

 

A letter in plain English, such as the one below, is generally sufficient to produce a result, sometimes within the week -- provided your claim figures are accurate.

 

03 weeks
- 22 JAN 2008 -
WINNING TEMPLATE LETTER
- andrew_nwide -
WON!! Egg Smashed £900

 


 

 

Share this post


Link to post
Share on other sites

Excellent, I'll send it recorded delivery first thing tomorrow ala the superb example on the link you attached. To be fair Egg have been very quick in responding so I'll give them a week (maybe 2) from tomorrow for them to respond before I go legal on them.

Share this post


Link to post
Share on other sites

As you can see from my thread and from Mistermind's post they are just producng the standard boiler-plated letters, hoping that you will take the money and run. Stick with it and they will pay up in full.

 

Think of it from their point of view, if 1 in a 100 of those letters saves them a payout or reduces it from £20 to £4 an item they are quids in over the thousands of claims they deal with.


Nationwide - Prelim sent 02/07 - MCOL filed 04/07 CHARGES SETTLED IN FULL!!

Woolwich- Prelim sent 04/07 - Offered 90% - 06/07 accepted

MBNA - Prelim sent 02/07 - CCA request sent 03/07 - CCA reply (illegible + no T&Cs) - DCA sent packing - Restons now trying - gone quiet

Citicard - Prelim sent 02/07 - CCA request sent 04/07 - replied 04/07 No contract & not enforcing!- passed to 1st Credit- gone quiet

Egg - Prelim sent 02/08 - 3 letters - full offer 03/08 SETTLED IN FULL!!

(All starry, rep, clicky thingies gratefully received!)

Share this post


Link to post
Share on other sites

Letter sent special delivery this morning. They have a week to respond otherwise County Court it is. I will only accept a 100% offer and that has to be via BACS or cheque, anything less then they will get served their summons.

Share this post


Link to post
Share on other sites

Just been offered the full amount + interest, a 100% refund - to a bank account of my choice. Victory - Chalk it on the list of Egg victors! As soon as the money is in my account a donation will be made to the site.

Cheers for the help.

Share this post


Link to post
Share on other sites

CONGRATULATIONS! :D

 

Well done


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

Share this post


Link to post
Share on other sites

Congratulations!

 

Don't like to say 'I told you so - but - I told you so!' They coughed given enough pushing.

 

Like me, they closed your account so we thought 'don't get mad - get even'

 

I wonder how much their 'commercial decision' has cost them? :D


Nationwide - Prelim sent 02/07 - MCOL filed 04/07 CHARGES SETTLED IN FULL!!

Woolwich- Prelim sent 04/07 - Offered 90% - 06/07 accepted

MBNA - Prelim sent 02/07 - CCA request sent 03/07 - CCA reply (illegible + no T&Cs) - DCA sent packing - Restons now trying - gone quiet

Citicard - Prelim sent 02/07 - CCA request sent 04/07 - replied 04/07 No contract & not enforcing!- passed to 1st Credit- gone quiet

Egg - Prelim sent 02/08 - 3 letters - full offer 03/08 SETTLED IN FULL!!

(All starry, rep, clicky thingies gratefully received!)

Share this post


Link to post
Share on other sites

Well done, Jackanory :)


I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Share this post


Link to post
Share on other sites

HI Jackanory

 

Egg have just offered me a full refund plus interest after a few letters back and forth. However my account was one of the ones terminated and they are refusing to give the money in form of cheque or bacs - I can't afford to donate or even to start next claim if this happens as the money will just go to paying off 1/10th of the outstanding balance...... could you give me any clues as to your obviously winning arguments as to why the money should be paid to bank account not to defunct Egg account?

 

Many thanks

 

Moobelle

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...