Beachy's OH v Egg Card

[beachcomber60]

Thanks ODC,

 

I decided to reply - BUT to the OFT over dlc breaches of guidelines

[MARTIN3030]

Hmnn its gone well beyond a yoke.

 

We had the earlier tacs from Egg where they refused payments for a CCA by postal order......

Then their demands that requests were made with a sig.

 

Whatever became of the teleograms as well ?

Older Hillesden /DLC watchers will remember them well.

 

I think the 2008 CPUT regs saw that well and truly off.

[beachcomber60]

Morning everyone,

 

Didn't have time to start a new thread on this one

 

Last Monday sent EGG a complaint regarding PPI on an old Egg loan, citing high pressure tele advisors & my employment status. Expected the usual fight.

 

Letter pops throught the door this morning AGREEING that I should not have been sold the PPI and a cheque for £1,850 will be sent out within 10 - 14 days.

 

Shocked and stunned (Barclayloan victory last week and now EGG - I'm on on roll, whose next )

 

Beachy

[beachcomber60]

A clear breach of OFT Guidelines me thinks !

 

 

[ODC]

Dont worry. He probably wants to inspect your chickens.

 

Seriously though I got one of these silly cards a few months back and Im still waiting for a representative to call. This is just another ploy by the chicken pluckers to get you to ring their threat centre so they can peck away at you and ruffle your feathers

[beachcomber60]

 

After dealing with Mercers, Debitas & CapQ going on what I've read this lot is chicken feed (oops).

 

OH requested cca from Egg last May (still outstanding).

[Guest wino]

Well done beachy:)

[landy_alert]

:D:DCONGRATULATIONS BEACHY:D:D:D

[alanalana]

Morning everyone,

 

Didn't have time to start a new thread on this one

 

Last Monday sent EGG a complaint regarding PPI on an old Egg loan, citing high pressure tele advisors & my employment status. Expected the usual fight.

 

Letter pops throught the door this morning AGREEING that I should not have been sold the PPI and a cheque for £1,850 will be sent out within 10 - 14 days.

 

Shocked and stunned (Barclayloan victory last week and now EGG - I'm on on roll, whose next )

 

Beachy

 

What is the secret ? You are on a roll well done.

 

Let me know when you get your money and I will add a **WON** to the thread title and keep posters boosted please by posting in the PPI successes threads in the stickies at the top of the forum

 

aa

[ozzywizard]

Exelent news. congrats Beachy.

[lubobab]

hi,

I got a letter from these people today, plus an e-mail this evening regarding an egg acount. I'm new to all this and was just wondering what all this cca stuff is and is it something I should be doing??

[dec22]

That's good news delevered very quickly!!

 

Egg must have had their knuckles rapped because there seem to be a lot less rejections recently. I have 2 with the FOS (been there for 1 yr now), they made an offer on the one to the FOS but not the other. As the second loan was a refinancing the FOS apparently want Egg to make an offer on both so it has been referred to another Adjudicator.

[hev106]

Hi peeps, been a while since I came on here to seek advice and help and boy what a help you have all been so a big thanks to all...............however, out of the blue I have received two....yes two letters from these people, one undated and this being an annual statement of account, followed the next day by a dated letter saying pay x amount and we will write off the rest! Now tempting as that might sound I have no intentions of doing any such nonsense even if I did have the money to pay it! My query though is this...............Last time I came on here it was another DCA chasing outstanding monies Lowballers - Scotcall - I sent off the CCA letter and my postal order back in ..wait for it....April 09. One day after I sent my letter and PO they wrote back saying basically HERE IS YOUR LETTER AND PO BACK WE RETURNED THIS TO OUR CLIENT ON XX DATE (the date on their letter) Please contact them with this refXXXXX their address is......Yes..............DLC !

Advice on here was sit back and wait and that is what I done until now, when the two letters mentioned at the top arrived. My Question now is, What to I do now?? This debt I believe is now around 10yrs old, I cannot recall when I last paid anything though believe it is around 8 yrs ago and until last year I had heard nothing. I see you are telling peeps on here that once the CCA letter has gone out it is that company who should supply the stuff. The 'Annual' Statement of Account actually contains nothing except to say the date of original agreement (14yrs ago not ten as I thought) with a date of this year with a statement period of 11 months from 2008 to 2009 which is already four months old. It does not show any payments made, any other statements allegedly sent out etc etc, it just tells me how to pay followed by the 'we will write x off if you pay x' Phew, I hope I have not confused you too much by all the writing, but do I contact them using one of your letters or do I ignore them? Once again your assistance is required. Cheers H x

[ODC]

Its now a legal requirement for them to send out an Annual Statement of Account so dont worry.

 

You can do three things

 

1. Ignore them and eventually they will give up

2. Send them the Statute Barred Letter

3. Report them for chasing a debt which is in dispute by virtue of failing to comply with your CCA request

 

Personally I recomend 1 or 2

[TINK660]

Well done Beachy, hows the others going?

 

Tink

[beachcomber60]

Well done Beachy, hows the others going?

 

Tink

 

Thanks Tink,

 

Yeap really surprised with this quick result.

 

Others :-

 

Barclayloan - Won

Barclays Business Loan - Won

 

Barclaycard a/c1 - admit mis selling wont refund full amount, also upheld by FOS (Looks like court)

Barclaycard a/c2 - admit mis selling wont refund full amount, currently with FOS.

 

Egg Card - Refused claim but FOS found in my favour awaiting refund

 

Egg Card 2 - eight weeks without acknowledgement, now with FOS.

 

And of course the infamous GE/Debenhams, currently on the back burner, but I aint giving in on this one (claim in the region of about £10k).

 

Beachy

[citybloke]

Hi Beachy

 

Well done!!

 

I'm just about to hit Egg also as they gave me PPI on a loan and i am self-employed.

 

Can you tell me what address you sent your claim to and did you charge the interest rate on the loan + 8% statuory interest?

 

Cheers

 

Citybloke

 

Morning everyone,

 

Didn't have time to start a new thread on this one

 

Last Monday sent EGG a complaint regarding PPI on an old Egg loan, citing high pressure tele advisors & my employment status. Expected the usual fight.

 

Letter pops throught the door this morning AGREEING that I should not have been sold the PPI and a cheque for £1,850 will be sent out within 10 - 14 days.

 

Shocked and stunned (Barclayloan victory last week and now EGG - I'm on on roll, whose next )

 

Beachy

[beachcomber60]

Hi Beachy

 

Well done!!

 

I'm just about to hit Egg also as they gave me PPI on a loan and i am self-employed.

 

Can you tell me what address you sent your claim to and did you charge the interest rate on the loan + 8% statuory interest?

 

Cheers

 

Citybloke

 

Thanks,

 

It was sent to Customer Relations Manager, Riverside Park, Derby.

 

I didnt quote figures, just stated that ppi was added to the loan & that the tele advisor put pressure on me to have ppi to get approval for the loan knowing full well that I was self employed (I believe Egg were fined heavily for high pressure ppi sales over the phone).

 

Refund offered is more or less what i expected so have accepted it (need the money).

 

Beachy

[beachcomber60]

Quote ' a cheque will be sent to you in 10 - 14 days'

 

No - received this morning within 6 days.

 

Alanalana you may now add the * * WON * *

 

Keep fighting everyone

 

Beachy

[beachcomber60]

Highly disappointed.

 

I dont know whether to trust the FOS anymore, they found in my favour & told EGG to refund PPI, I had to sign an acceptance form before the FOS would instruct EGG to refund.

 

This morning I received a cheque from EGG in full & final settlement.

 

My PPI claim was for £1,614 BEFORE ANY INTEREST - Egg refunded £746.21 + 8% £337.62.

 

Needless to say I'm very disappointed.

[MandM]

Highly disappointed.

 

I dont know whether to trust the FOS anymore, they found in my favour & told EGG to refund PPI, I had to sign an acceptance form before the FOS would instruct EGG to refund.

 

This morning I received a cheque from EGG in full & final settlement.

 

My PPI claim was for £1,614 BEFORE ANY INTEREST - Egg refunded £746.21 + 8% £337.62.

 

Needless to say I'm very disappointed.

 

So can you argue this on the basis that you have to sign the acceptance without knowing what you're accepting?

 

M

[beachcomber60]

Hi M,

 

Long time no contact

 

Got smoke comin' outa my ears at the moment, My calculations was for about £4k including interest.

 

I had this discussion with the FOS over another card reclaim, if I didnt sign the acceptance form the FOS wouldnt pass it to the creditor and would close my complaint, that one has not been settled yet and I now desperately want to withdraw that form and proceed to court. They tolsd me that the creditor 'should' advise the settlement breakdown for final acceptance before making the refund.

 

Feel I've been 'had' over this Egg one, working it out this morning I cant even arrive at the same figure as Egg no matter which way I work the figures.

 

BC

[banker_rhymes_with]

Hello Beachy!

 

Needless to say I'm very disappointed.

Chin up, just regard it as a down payment!

 

Next step is to write to Egg, demanding the balance, or you will take them to Court, and you will add s69 8% County Courts Act 1984 interest, right from the outset until the Claim is settled.

 

I'd also investigate Restitution, and consider a larger Claim for that, at their Contractual Rates, and Compounded not Simple Interest!

 

You now have the advantage of a FOS decision in your favour, i.e. irrespective of the amount they have paid (so far), FOS agreed it was miss-sold.

 

You have a leg up for Court already, and Eggy will know this!

 

It's a PITA, but next step has to be Court...go through all the motions, keep a tab on your Bill of Costs in case you get a chance to hit them with costs (it can happen, depending on Track and if Track is even allocated by the time you win), and be prepared to take it all the way in case they do not back down.

 

Don't get mad, get even!

 

Cheers,

BRW

Edited February 13, 2010 by banker_rhymes_with
Forgot a bit!

[MandM]

Hi M,

 

Long time no contact

 

Got smoke comin' outa my ears at the moment, My calculations was for about £4k including interest.

 

I had this discussion with the FOS over another card reclaim, if I didnt sign the acceptance form the FOS wouldnt pass it to the creditor and would close my complaint, that one has not been settled yet and I now desperately want to withdraw that form and proceed to court. They tolsd me that the creditor 'should' advise the settlement breakdown for final acceptance before making the refund.

 

Feel I've been 'had' over this Egg one, working it out this morning I cant even arrive at the same figure as Egg no matter which way I work the figures.

 

BC

 

Looks like you have your answer BC ie BRWs post. You seem to be in a 'no lose' situation so def wouldn't be down hearted

 

Hope you're well old chap. Not chatted on here for some time. Im still 'Egg-baiting' as a main hobby lol so I wish you well in this and will continue to watch with interest.

 

M

[MandM]

PS Have learnt how to calculate loan PPI now so just shout if you need a hand.

 

M