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Egg default charges


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Wrote to Egg recently asking for refund of overlimit and late payment fees plus statutory interest. Received a response today stating they would only be refunding the difference between the £20 charged and the current £16 charge. They also appear to only be considering the charges from the previous 6 years. In addition, they have said they will pay the pittance refund to the DCA who bought the account. Said DCA threw in the towel many months ago, closing the account and removing default from CRF. Icertainly won't be signing the full and final acceptance slip enclosed with the letter.

 

What next? How do the FOS usually go with Egg?

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The FOS have been agreeing with Egg on a regular basis now - stating that Egg have satisfied them that the £16 charge is a fair one. I wouldn't waste my time and energy in going through them, you will not get a different answer from the FOS. I've done all of that now, and not sure where to go.

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  • 7 months later...

Hi there

 

Can I ask why you took late payment fees/overlimit fees to fos?

 

Why haven't you gone down the court route to get everything back including those beyond 6 years?

 

Just curious

 

ims

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i claimed beyond six years- every default charge ever received. at the moment i'd rather let the fos do the work rather than have to prepare for court, simply because i do not have the time.

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Oh OK. I was just curious.

 

Thanks for the reply

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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