Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Thank you for your helpful advice here. I have just emailed hermes with the following email and look forward to a swift conclusion to this case.o whom it may concern,    
    • Yes they are waking up to the fact that they  have over centralised stuff, and there is no proper local provision any more, Hancock is treating it as a National outbreak, not the many localised ones now  often centred around General Hospitals, as infection and reinfection agents. PHE PHW, and PHS have no capacity for any real localised Track & trace, having removed the Council Environmental & Public Health Departments out of the equation.  All they have is Hancock's busted App, and an army of badly trained call centre grunts.   Says care worker to old Mrs Jones, and  "you really need to install that app so they can see you aren't going out"   Mrs Jones gets out a cheap candybar feature phone, and says, "can't install apps on that  only phone and text, so don't need smartphone"   Interesting look at age demographic for smartphone ownership, is 70% age 55 -64 still low enough to dent Hancocks app effectiveness.   Other issue, many at risk homeless, low income also only have feature phones issued by care agencies or charities  People released on tag who are in hostels are often issued with something likea £10 samsung/Nokia/Alcatel candybar, 2G  non internet capable phone.   https://www.statista.com/statistics/271851/smartphone-owners-in-the-united-kingdom-uk-by-age/
    • By the way, the reason that you wouldn't proceed against Paclink is because they are out of the jurisdiction – in Spain
    • Good point, BN.   Changing the subject a bit, Directors of Public Health have written to the goverment expressing serious concerns about the easing of lockdown.   https://www.adph.org.uk/2020/05/adph-presidential-blog-a-time-for-steady-leadership-careful-preparation-and-measured-steps/
    • Thank you – and I understand that you didn't take out any compensation cover. You should read around some of the Hermes threads on this forum. I have always taken the view that once you pay for the delivery costs, then you are entitled to have the item delivered safely and if not then the delivery company is in breach – and in fact the delivery broker – Paclink is also in breach. I think it should be unnecessary for you to insure yourself against the breach of their service provider. It is the service provider who should insure themselves against any incidents of loss parcels. The Joe Lycett's got your back programme on Hermes was extremely useful. I notice that there are a couple of instances of it on YouTube. Of course they are in breach of copyright and it wouldn't at all surprise me if they are taken down at some point. I suggest that you make fairly urgent arrangements to get a copy of this program onto your computer because you may need it. It would not be a breach of copyright to produce it before a court – although the judge may already have seen it or have heard it. Have you actually began a claim against Hermes? I think you should begin their claims process immediately – but I certainly think that you should download a copy of the programme immediately as well. Of course Hermes will try to say that you are not their customer and that  their client is Paclink. Of course that is true. On that basis Hermes will try to say that they are out of your reach in terms of bringing a legal action because you are not party to their contract with Paclink. However, Under the Contracts (Rights of Third Parties) Act, where the contract is clearly intended to address you as a beneficiary and where your interests are not specifically excluded by the contract, then you inherit all of the rights of the contracting parties – as if you were a party to the contract. So I suggest that you begin the claims process against Hermes, download the programme so that you have got that safely stored away in your armoury and then come back here with the results of your Hermes complaint. I can predict fairly confidently now that you will have to threaten a legal action – and probably you will have to issue the papers. There is then a chance that Hermes may put their hands up – but on the other hand they may decide to test your resolve by forcing you onto the next step where you have to pay hearing fee. If you do that then they will start to take you more seriously and then they may put their hands up – but they may decide to go all the way and see you in court. Because you are a litigant in person – even though you would be the claimant, the case would be transferred to your local court. That would produce logistical problems for Hermes who would have to instruct a local legal representative and they would incur costs there. These costs will not be recoverable under the small claims rules because your claim would be for less than £10,000. If you won the case then you would get your money, plus interest – presently at 8% (a nice earner) plus your costs. Your risk factors are that if you lost, then you would come away empty-handed but also you will be out of pocket to the tune of your fees and you would probably have to pay for the reasonable costs of travel for the Hermes legal representative – but that would be it. On the basis of what you have told us, I consider that your eventual chances of success at about 85%. Hermes risk factors include having to pay you back the value of your item, having to refund you your court costs and your reasonable costs of travel – but more significantly for Hermes, a defeat in court where they try to rely on the fact that you hadn't bought a compensation package would send a good message across an industry which seems to have produced a culture going back there are 30 or 40 years where customers who pay their money now believe that they must also pay to insure against the negligence of their own service providers – two home have they have already paid the contractual price of performance. How this ever happened is a mystery to me.  
  • Our picks

chinnygirl

Egg card is this PPI?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3945 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

I ve just went threw my egg card and noticed i have paid varuoise amounts of money every month called..CREDIT CARD REPAYMENT PROTECTOR.what is this??? i didnt ask for this?? could it be PPI?

Edited by chinnygirl
mbna card also has a payment protection cover?? can they call it anything this is confusing!!1

Share this post


Link to post
Share on other sites

Sounds like it ... you can give them a quick call and ask as it is payment protection insurance cover.

 

How long have you had the card and do you recall agreeing to the cover being added to your account, either during a conversation or by ticking a box on the credit agreement when you took out the card?


'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

Share this post


Link to post
Share on other sites

I can not remeber if i agreed to the ppi.I have also sent them an e mail as they stated i didnt have the ppi on my account but when i checked my statement it had CREDIT CARD REPAYMENT PROTECTOR on it ... so this is why im asking your advise as im woundering if its worded different on different cards/loans etc ? thanks

Share this post


Link to post
Share on other sites

Give them a call and inform that of this inconsistency. Ask them to verify that what appears on your monthly statements is indeed payment protection insurance, it cannot be anything else.

 

Short call, simple answer, then proceed to reclaiming your money ... :)


'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

Share this post


Link to post
Share on other sites

Thanks Can I Also Ask Ive Asked For Bank Charges Back But They Said I Have To Wait Till Its All Been Sorted At Court? Is This Right Now!

Share this post


Link to post
Share on other sites

I recently got my charges back from Egg (this was less than £100 though). The Credit Card Repayment Protector is PPI and it was added to my account also in 2004 without my permission. When was yours added?

Share this post


Link to post
Share on other sites

i think when i first got my card,

Share this post


Link to post
Share on other sites

Has anyone been told they can not claim till its been resolved with the court cases all the banks are at.

Share this post


Link to post
Share on other sites

i have just recived this e mail today what should i do now??? please advise this is what they have taken off me?

Dear Mrs Ellis

 

I'm unable to refund £355.33 for Card Repayment Protections as you added this when you applied for your Egg Card online and it was removed when asked.

 

If you've any further queries please don't hesitate to contact me.

 

Regards

 

Sian Fleming

Internet Customer Services

Share this post


Link to post
Share on other sites

please can someone help me about the above thread what i need to do next to this reply i had from egg? thanks

Share this post


Link to post
Share on other sites

Hi Chinneygirl,

 

First of all i have the same problem with Egg and i have been dealing with a director and received a letter in the post today and in the letter is an amount that Egg are willing to pay me back. Which includes unpaid direct debit fees, Card protection Plan (CPP) and Card Repayment Protection (CRP). Egg have basically agreed to pay these charges back in full. The people I am dealing with and i would recomend everyone else to deal with are as follows.

 

Kathy Curzon 08007 834 393 ext 6157

Wendy Schratz - wendy.schratz@citi.com ; wendy.schratz@egg.com

 

Dont let them fob you off, I even had to file this in county court which cost me £25.00, I then emailed Wendy and told her that i had registered it with the court and hope that Egg pay in full as if it ends up at court it would only incure more money for Egg to pay out.

  • Haha 2

Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

Share this post


Link to post
Share on other sites

thanks for that hawk can you recommend what i should say in the e mail to her? much appreciated

Share this post


Link to post
Share on other sites

what should i say to this e mail or will i e mail the person who hawkk says?

Share this post


Link to post
Share on other sites

I got a cheque in the post today payment in full £250.64 p and when it clears i will then stop the court action hehe. Brillianr. Chinnygirl any update ?


Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

Share this post


Link to post
Share on other sites

i have today received a letter from FOs upholding my complaint for missold ppi from egg and stating they should pay me compensation, egg passed my debt to dlc and registered a default notice on my file i am insisting this is removed what are the chances of egg appealing this, payign full compensation i have a debtg of around 3,000 encompassing ppi and just want this written off and the default notice remmoved with the account closed any advice greatly received they have 21 days

 

FOS say egg did not pay due regard to the information needs of me and sold a product to me that was unsuitable for me

Share this post


Link to post
Share on other sites

Hello judyj,

 

you are currently tagged onto an old thread. If you click this link .....

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

then add your own title you will have your own thread which make threads a little easier to follow.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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...