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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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Egg Credit Card Confusion!


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Hello All!

 

This is my first post, and I am very glad I have found this forum!:)

 

I have had an Egg credit card for some years, and was one of those customers they axed when they were taken over nearly a year ago. I am still paying off the c/c balance, which currently STILL HAS PPI added to the account. I cannot find anywhere on their site where I can opt out of this, and so am paying nearly £80 a month in PPI alone.

 

I am currently unemployed and so am only paying back the minimum each month, plus their PPI.

 

My real confusion lies in the letter they sent out to me before Xmas in response to the FSA investigation, suggesting I *may* be entitled to PPI refund for the period Oct 2005 - April 2007. The letter concludes that if I have any concerns with the way PPi was sold to me I should call a freephone number.

 

My questions are these;

 

Has anyone else received this letter?

 

How can I stop these PPI payments?

 

Can they be refunded to me, and what should I do next? I would prefer to put things in writing I think, rather than call them.

 

Thank you in advance for any replies...I would really appreciate any thoughts or advice!

 

Thank you

 

Gipsy Girl

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Just to say that I am busy reading up all the excellent info you guys have posted on threads across the forum: there is so much to take in! I think my course of action will be to start with submitting a Subject Access Request to Egg.

 

I think I also understand why they have refered to the dates above as they seem to have acknowledged misselling to customers within this time frame. (??)

 

I am still interested to hear from others who may have recived a similar letter from Egg?

 

Gipsy Girl

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Background to why you received the letter:

Egg fined £721,000 and will compensate PPI customers

 

I would have thought that it will be a full refund from the date it was taken out until the present day, plus interest charged on it, plus potentially 8% court interest on that.

 

Unless something else happened to your account in April 2007???

 

I would be interested to see a copy of the letter.

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Because the FSA did not come about until 2005 is the reason why they where only fined from 2005, but remember if you had your card before that date you can claim back as far to the point they charged you PPI.

 

This Letter will confuse many customers in that they will think they can only claim back to 2005, which is one of the reasons egg decided to send out this letter.

 

Do not be fooled claim back every PPI payment you have made plus interest at 8%.

 

So yes ignore that letters instuctions and send of an SAR letter asking for a copy of the agreement and every statement they have sent you.

 

Regards

 

Pompeyfaith

If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Thank you everyone for your responses - I'm going to get a Subject Access Request letter off tomorrow.

 

I will also try to get my scanner up and running and will post a copy of the letter on here. (The letter also refers to the fact that I cancelled the PPI in April 2007, which fits in with my recollection, however they are still adding it to my account.)

 

Thank you again, and I will update as I get more info.

 

Gipsy Girl

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Please point out to them about cancelling and still paying, don't wait for the SAR to complain about that.

They probably owe you enough to pay off the debt:D

Any opinion I give is my own and given without

any liability.

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Good Luck

 

You have nothing to lose but a lot to gain.

 

Thanks for clicking my scales.

 

Regards

 

Pompeyfaith

If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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  • 2 months later...

UPDATE

 

I have uploaded the letter I received from Egg before Xmas for peoples information. (It is as 2 pdfs as I wasnt sure how best to do this).

 

I sent off a SAR with £10 chq, and have only received half of the information I requested. They have sent details of the history of the loan account, which has no ppi, but have ignored completely the credit card account this letter pertains to and which I requested the history of.

 

I am looking into where to go from here - any comments or suggestions welcome as ever!

 

thank you

 

GG

egg letter 1.pdf

egg letter 2.pdf

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