HammyUK v Egg

[HammyUK]

Finally had enough of Egg!

 

After having an Egg card since Feb 05 and NEVER missing a payment, I have had enough of their theivery.

The amount of PPI added onto the account at over £50 per month is incredible and after my accident in Sept last year they have decided that the PPI does not cover me AT ALL. The have stated that as far as they are concerned I have a previous medical condition AND they consider me self employed even though I was PAYE (I own my own company).

So, I have CCA'd them but as yet they haven't responded - they have until Friday 24th.

They have now wondered why I have cancelled the direct debit - they stated in Sept last year that they would stop it as the insurance would be paying. They never did though so I have been paying them since then over £300 per month.

Will move onto the SAR next but don't want to ruin any chances by going for charges if the whole thing is bad from the start.

 

Any suggestions which is the best way to kick Egg between the legs?

[citizenB]

If you are self employed and have a precluding medical condition, why did they sell the PPI to you in the first instance? Sounds like it has been mis sold.

 

I think it will be in your interest to rustle up the SAR as soon as you can. You will need your statements in order to compile the spread sheet. You can also re request a copy of the agreement. Sometimes this can prove interesting as they are able to send minimal information for a CCA request where an SAR should be EVERYTHING

 

Here are a couple of links for you.

 

As you are not alone in wanting to see this company with EGG on more than just its headed paper, you will find this link of interest, especially when/if you get your agreement.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html

 

 

The next link is for a Subject Access Request letter. There are different versions so I am going to also link you to the one specifically for PPI, but you can adapt either one to ask for what ever you think you need to pursue your claims

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca.html

 

The next one is PPI SAR

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-sar-ppi.html

 

The next link is to the PPI forums, you will find lots of useful information and links.

 

Payment Protection Insurance (PPI) - The Consumer Forums

 

 

HTH:grin:

[HammyUK]

Thanks, got most of the templates already just after more advice as to the best way to kick them and kick them hard.

The PPI is new to me, so thanks for that.

[HammyUK]

Not a sausage from Egg in reply to my dispute letter or CCA request so the clock is ticking..............................tick tock...........

[citizenB]

Not a sausage from Egg in reply to my dispute letter or CCA request so the clock is ticking..............................tick tock...........

 

 

sausage and egg

 

Did you give them a timescale to reply to ?

[HammyUK]

Dispute was sent to them and yet have had no reply to tha.

CCA request was sent to them and have had no reply even though I made sure tat the 12+2 was set out clearl in the letter.

So tick tock just waiting fr the 30 days now.

[citizenB]

Dispute was sent to them and yet have had no reply to tha.

CCA request was sent to them and have had no reply even though I made sure tat the 12+2 was set out clearl in the letter.

So tick tock just waiting fr the 30 days now.

 

Hammy, there is no 30 days now.. if they havent complied. You can send them a non compliance letter

[HammyUK]

Well b*gger me - guess what I'm about to copy and paste

[citizenB]

[HammyUK]

Not a sausage back yet - so another complaint or non-compliance letter?

Any suggestions?

[citizenB]

Here you go hammy,

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.html

 

If the link doesnt take you directly, it is number 19 in the link in my signature.

[fuzzyfuzzy]

..

[HammyUK]

In the envelope..........

[HammyUK]

Egg on the phone this morning, asking for payment.

Politely reminded them that its under insurance from sep last year and they have failed to comply with CCA request dated 7th april.

Really sorry say man, we'll take you off the list

 

So this afternoon I get another call not 5mins ago.

The nice man says he's sorry he didn't realise there was a problem!

Apparently they have sent a letter on the 17th of this month to me.

Not received it yet says I.

Sorry says the nice man.

So says I - where's my CCA?

Did you ask for it? says man.

Yes says I.

Which one? says man.

The only one I have with you says I.

The full CCA? says man.

Did you send £10 and proof of ID? says man.

Pardon? says I.

You need proof of ID and £10 says man.

No I bl*ody well do not says I nicely of course.

Which CCA did you ask for then? says man.

My CCA you numpty says I.

The one I asked for on the 7th april, signed for by you on the 9th april, the one that is now very late and in default, says I.

Oh, really sorry we have a backlog. The Information officer is aware of this says man.

Really? says I - tough, where's my CCA?

Well we have a backlog..................

See where this is going? He didn't, went round and round and round............

So will see what the 5th class mail they use brings...........

 

So if the commisioner knows do they think this gets them off the hook?

Be interested to know.

So since when does a "full" cca request cost £10?

[militantconsumer]

Hi HammyUK

 

I advise you not to speak to idiots in call centres on the phone. Although they are idiots, they are trained idiots, and they might catch you out. They will also be recording notes on their systems that might be used in Court later, even if they are not really true.

 

A CCA request is £1. A Subject Access Request under the Data Protection Act costs £10.

 

How did you sign up for the PPI originally? Online or over the phone?

 

I suggest you have a read through of my Egg Card thread, as this does cover the main issues. There should be a link to it my signature.

Edited May 19, 2009 by militantconsumer
accidentally said CCA requests were free - doh!

[HammyUK]

Egg was all done online originally. Never received any paperwork from them ever only the card.

The guy had to keep going back to his "manager" whenever I corrected him.

End of it is they say they have a backog and that the information commisioners office is "aware" of it.

So does that mean they can comply when they get round to it?

He didn't react very well when I said that as St Andrews were talking about not covering my loss of job either I would be reclaiming the PPI.

I think I heard his arse hit the floor.

He seemed very confused over the CCA request.

I've never heard of a "Full" CCA request anywhere.

He said "it is a very large document"

 

Oh and I informed him that the call was recorded at my end to which he wasn't very happy about - so touche.

Will see what this letter they have sent is.

[militantconsumer]

The full SAR (or DSIR as they call it) is about 1 inch thick - but worth every penny!

 

If you read my Egg Card thread you will see some of the issues about "non-advised" sales of PPI online and how I am fighting them.

[HammyUK]

Reading it now MC

[HammyUK]

So the letter from Egg arrived today and they want an "identification document".

WTF???????

"If you would like us to proceed with your request please can you re-submit your request with a vaid signature or identification as detailed below"

 

And they give a list of Blaa de blaa de blaa.

 

They want an original - NOT a photocopy and it can't be older than 3 months.

 

So whats with this then? Stalling or can they legally do it?

 

Is there a nice letter they can choke on?

[militantconsumer]

If you DO agree to do this then make sure you don't sign with your normal signature - so as you recognise it if you see it again, if you know what I mean....

 

Nowhere in the Data Protection Act does it state that this level of ID is required. I am fighting a similar battle with some other companies - see the link to secret agencies in my signature below.

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/197936-just-how-many-secret.html

[HammyUK]

I have no intention of signing anything.

Have replied to their secure message stating that they have found my address sufficient since 2005 and that as they have openly discussed the cca request with me in at least 2 seperate phone calls they cannot reasonably refuse to process the request can they?

And they have also cashed the payment I sent so methinks they'd better get their arse in gear.

They have said today that they have escalated this to a formal complaint on my behalf over this via secure message so will see what happens.

[citizenB]

If they have been sending statements and you have been corresponding by letter to and from them, then there is no reason for them to question your identity and IMHO, they are stalling.

 

.

[HammyUK]

Thats basically what I told them in secure message but they seem to of gone home

 

So a letter will go of to that effect and I might send something along the lines of Lexis200's CPR to them see if they choke on that.

[citizenB]

heheheh, oh yes.. I reckon they might

[HammyUK]

They really don't get it do they?

No calls and "in writing" - 3 secure messages today 1 giving ref. no. for complaint, 2 asking me to call collections on 0845.....

Now isn't there a rule on asking debtors to call on non-geographics numbers?