has anyone won?

[joload]

Hi

 

I have just done my spreadsheet of charges - not a biggy only £140 but reading through the forum egg seams like hard work - has anyone out there won?

 

:confused:

[Tobes]

Not yet- several claims are happening right now with one in particular scheduled for a hearing on the 9th, I believe, so we are all awaiting news of that case with baited breath!

 

Egg seems to be a tough cookie but they might just be good bluffers!

[joload]

Sorry been on holiday - how did the hearing go on the 9th??

[Yasmin]

It was adjourned 'til mid Sept.......

[un1boy]

Yasmin - did this materialise?

[Yasmin]

yes it did, but i've had to withdraw my claim. They have dragged up a bit of dirt on me going way back to my application and relating to the ppi. So it is just proving to be too stressfull. Also, as mine seemed to be the first case, I felt it was very important that it was straightforward, lol, or as it can be! as it will set a precedentThey have still got this counter claim, so it has gone up to the judge for an urgent decision. I wish everyone else the best of luck and as they have posted me a package of docs. they will rely on in court, I have told Tobes, as his case is probably imminent, that I will let him have these. Just got to wait for the judges decision.

[angry cat]

Hey Yasmin, have you already withdrawn your Claim? I am right up, behind you and please accept my support. United we stand divided we fall. Love from Angry Cat:)

[un1boy]

yes it did, but i've had to withdraw my claim. They have dragged up a bit of dirt on me going way back to my application and relating to the ppi. So it is just proving to be too stressfull. Also, as mine seemed to be the first case, I felt it was very important that it was straightforward, lol, or as it can be! as it will set a precedentThey have still got this counter claim, so it has gone up to the judge for an urgent decision. I wish everyone else the best of luck and as they have posted me a package of docs. they will rely on in court, I have told Tobes, as his case is probably imminent, that I will let him have these. Just got to wait for the judges decision.

 

Oh Yasmin, that's such a shame. I'm too scared now to go ahead and claim - I've sent them my prelim though!

 

Will you be liable for any costs?

[Yasmin]

Hi Un1boy. No, please whatever you do don't let this discourage you. As I explained, there is a good reason for me to discontinue, or believe me I would not be doing so! Someone's going to win this one now, so you must crack on(lol) I support this almost fanatically now, and would love to be at the first hearing....

[un1boy]

Well, I've started it all now, so I'll finish!

 

Do you mind though if I keep in contact to see if there is anything you can help me with/any advice you can offer?!

[Yasmin]

keep in touch & just ask. Not sure if i'll be able to help but will certainly try, LOL. Will be following your thread;)

[un1boy]

Aw thanks Yasmin - yes, that's the best thing to do - keep an eye on my thread if you don't mind (all links are in my signature at the bottom of my posts, hehe!!) I'm sorry about your case and I will update you as soon as I here anything.........

[Mistermind]

Un1boy, my blessings go with you.

[un1boy]

thanks mistermind!

 

please follow the progress of my claim using the links below!!

[techtalkonline]

What really worries me is Egg. Basically, what i am saying (and i am sure you have all thought this yourselves!), is that if the first few cases go in Egg's favour, then that could set a precedence so the other institutions decide that they too will defend every claim through the courts.

 

On the other hand of course, if Egg lose then that would be a MASSIVE boost to everybody who has ever been charged fees over the last 6 years, from all over the UK!

 

 

Best of luck to those with impending cases.

[choco]

It seems getting money back from credit cards are a lot harder than the banks....

[genesco]

I think it depends what credit card I had a credit card with MBNA and I got all my money back.

 

What you need to remember is that if egg go to court they have to explain how it cost them £30 to send out a letter or reject a direct debit etc.

[un1boy]

I think it depends what credit card I had a credit card with MBNA and I got all my money back.

 

What you need to remember is that if egg go to court they have to explain how it cost them £30 to send out a letter or reject a direct debit etc.

 

I know, you're right - that's why the banks have collectedly paid out voer 20 million so far.

 

It does worry/upset me though that the court system allows Egg to drag all our claims out as much as they have. I mean, if they don't enter the paperwork etc then why should they keep getting an extension etc?

 

It worries me how no one has won yet against Egg, their stalling tactics must be good!

[GreatWonder]

yes it did, but i've had to withdraw my claim. They have dragged up a bit of dirt on me going way back to my application and relating to the ppi. So it is just proving to be too stressfull. Also, as mine seemed to be the first case, I felt it was very important that it was straightforward, lol, or as it can be! as it will set a precedentThey have still got this counter claim, so it has gone up to the judge for an urgent decision. I wish everyone else the best of luck and as they have posted me a package of docs. they will rely on in court, I have told Tobes, as his case is probably imminent, that I will let him have these. Just got to wait for the judges decision.

 

I could be wrong, but I was under the impression no precedents can be set in the small claims court? Just an observation.

[Mistermind]

For Egg we need a trail-blazer, a battering ram, the sharpest tip of the strongest spear. In other words a model citizen who cannot be intimidated and blackmailed by Egg in any way, i.e. no current arrears, just punitive charges in the past to be reclaimed in the present. Unfortunately I myself am not in that strong position.

 

Our winning that test case will demoralise Egg and encourage all other claimants who can quote the precedent.

[nikkiandmidgets]

Hiya,

 

I had 2 egg cards which I got into arrears with on and off last year. I explained that I was on maternity leave and was waiting money coming in. I paid them off at the start of the year but they reveiwed my accts and due to my work status, closed them down after. One is actually still open cos it is 2.36 or similar in credit although I dont think I am allowed to use it! I also have a loan with them which had the same problems but all sorted and no arrears. I am going to request statements on all 3 once I find the closed credit card acct number - bit difficult as dont seem to have any statements and my online info doesnt mention the acct anymore.

If you think I may be suitable then I will try to press ahead with this earlier - I have others I have sent SAR's for but as I dont think Egg owe me too much and I still need the acct number I havent sent off one to them yet. I will do it though if you think it may help other cases. Just not sure if my scenario would make me suitable? Also worried, can they then go and close my loan down? I agreed with them at the start of the year to increase the term of the loan due to a change in circumstances, could they then go and put back to original length or call it in if I try to claim?

[Mistermind]

Nikki,

 

I have an Egg Loan account open, with Egg card balance transferred thereto then closed a year ago. I had no difficulty obtaining the card number from Egg, they are legally obliged to retain historical info for a number of years. Egg card is always paid by DD, do you have online access to your bank account or back statements which mention Egg number on DD instruction.

 

As for Egg retaliating by closing your Egg loan, unless your loan repayment is seriously behind, I cannot see any justification. The agreement signed was for a fixed term loan, not like a bank overdraft liable to be called in. Would have to read Egg's fine print online which is notoriouslly difficult. Perhaps legal eagles and card employees can shed light on this?

 

A clean candidate to debunk Egg would be a dream. Any victimisation can be reported to OFT CEO. Egg has already pushed its luck with the OFT, time they come a cropper.

 

Hope you proceed Nikki, good luck, we weaker candidates for battle will form up behind you.

[un1boy]

For Egg we need a trail-blazer, a battering ram, the sharpest tip of the strongest spear. In other words a model citizen who cannot be intimidated and blackmailed by Egg in any way, i.e. no current arrears, just punitive charges in the past to be reclaimed in the present. Unfortunately I myself am not in that strong position.

 

Our winning that test case will demoralise Egg and encourage all other claimants who can quote the precedent.

 

Hey Mister,

 

I have just sent my prelim to Egg. I had a few probs about a year ago in terms of going overlimit and late payments. No probs since and they have actually increased my limit.

 

I will take this all the way I can - if they try to close, I will report them to banking code, ombusman and quote the unfair terms of contract Act (i thinks that's the act that covers it).

 

Keep an eye on my thread below and see how I get on - any advice etc at anytime is greatly appreciated!

[rodgethedodge]

Hi All

I'm in the fortunate position of having just paid off the balance on my Egg card.

They owe me £200 in charges for the usual late payment, over limit etc.

They've got nothing on me, nothing to use against me and I really hate their arrogance, so happy to oblige.

I've just had my (unusually polite) RFP turned down so LBA being prepared now.

[un1boy]

I'm paying mine off too, takes away their counterclaim and there's no pressure then about paying it back!!

 

The Banking Code said they can do it! (close accounts) as did the FSA!