Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Egg successes.


blueskies
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4091 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 91
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Check the loan for unwanted PPI they had a habit of adding it onto the loan as a lump at the beginning. £9k loan would be at least £1500.

This would then cost you at least £27 a month more on your payment over 5 years.

Have a check you may be surprised, but more than likely this is why they have not sent you any paperwork.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

Link to post
Share on other sites

Guest HeftyHippo

they do not have to provide a cca for the loan that was closed. that is true. but, a SAR should provide everything they have for both accounts. if they don't provide the SAR and you have worded it properly (not too specific cos thats all you'll get), then complain to the ICO, but be warned, they have a long backlog of complaints, going back several months

Link to post
Share on other sites

When did you close the 2004 agreement?

 

Technically what they are saying is correct and that the new agreement obviously supercedes the old, however, they are required to keep all finacial information for the first Egg account, for six years AFTER the account is closed, so a SAR would be the way to get this info, but as they are foolishly failing to comply with basic law you should defo make a complaint to the ICO our complaints procedure and how to complain

 

Oooh! The Edit button is back well done computer nerds...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

They closed the first loan account in August 2005. My SAR was sent to them in June 2010.

 

No PPI on the Top-Up loan but perhaps there was on the original loan. No way of knowing that just yet.

 

Am threatening them with the ICO at this stage as I have followed uncle bulageria's advice and complained to their customer relations officer. They are past the SAR date now and if get a sh*tty response again I will defo do that ico complaint.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

Does it matter where the Sh**ty response comes from?

 

sorry, do you mean the DCA or OC? I suppose from Egg themselves as I am ignoring the DCA now. As I have complained to Egg now I figure they should be given a chance to respond properly. But, I am pleased that I am within the 6 year period for the data protection act information, as my original loan was september 2004, so just in. wouldn't put it past 'em to 'destroy' the copy of the agreement anyway though.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

No I was thinking if I gave you one you would go to the ICO...:D

 

If EGG haven't responded you could send them a final letter before action giving them a further 7 or 14 days in which to reply to your complaint before escalating it further to the ICO.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Just go to the ICO. Stop treating Egg like they're some reasonable bank or something. They are crooks and as bent as they come. You need to play hard ball with them.

Mozzone

_______________

Taking on the bloodsuckers

Link to post
Share on other sites

Have just filled in the ico's complaint form. Now need to photocopy about 50 letters to and fro' Egg as evidence of egg's non-compliance with my SAR. My concern is that the 6 year cut off point for data protection act info is this september!

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

What cut off point??

 

Presumably Egg can (are legally bound to?) destroy all data they hold when the 6 year Data Protection Act period ends.

 

As that 6th anniversary is next month and I want a copy of the old, closed agreement from 2004 I want to make sure that this does not ahppen. To that end I have now written to the ICO and Egg's internal complaints manager specifically dealing with this issue.

 

If, by any chance, Egg's loan agreement in 2004 is invalid (the 2005 top-up was enforceable, see copy in OP), then this raises serious questions about possible mi-selling (another string to add to the multiple agreement argument). But I need to see the old loan agreement and of course Egg have refused this under the CCA. So I am trying under the DPA.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

I don't know where you are getting the 6 years destroy date required under the DPA. Financial services companies will maintain documents for many decades, as they have to do this. For example for Life Assurance, they could have documents held for 50 years plus. For banking accountancy rules, I believe they have to keep certain accounts for more than 10 years.

 

There are many different rules regarding keeping of documents. For what you are looking for, any rules should not affect you or ability of Abbey to provide documents.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

they are required to keep all finacial information for the first Egg account, for six years AFTER the account is closed, so a SAR would be the way to get this info, ...

 

Hi uncle. Because of this.

Mozzone

_______________

Taking on the bloodsuckers

Link to post
Share on other sites

Yes, thats what made me think I had to get my DPA request in before the 6 years are up. that and I don't trust Egg not to shred the old agreement in an attempt to trash my claim.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

My experience is that records storage amongst financial services companies is not that efficient. Just make the request and they will provide what they can get hold of.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

I have put in my SAR and have also complained to the ICO about Egg now plus written to Egg's customer complaints supremo (what a larf that is).

 

CapQuest have sacked me now and passed the account back to Egg :)

 

Reckon Egg have to respond sooner or later coz they aint gettin paid 'owt 'til they do

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

They'll end up with EGG on their face!!! (Lame)

 

They 'shell' not succeed, Bazooka.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...