Jump to content


  • Tweets

  • Posts

    • Ok that makes sense. I have another query, if the defendant states "we will pay your costs as entitled under the court rules" how does that work? I assume this relates to the interest accrued for the duration of the case. Will the defendant calculate this sum accordingly and include it on top of the full and final settlement of the claim?
    • Even though your IVA has now terminated, it is possible that any PPI payment which you receive will have to be paid in to the IVA. Case law established that a trust is formed when you agree to the IVA, and unless there is a specific clause ending that trust upon termination of the IVA, the trust still exists. Even successful completion of an IVA does not dissolve that trust, it absolves you of the liability for those debts but the debts still exist. It is very likely that your PPI payment will be paid to the insolvency practioner and not you.   Also, if you still owe a debt to the company which you are receiving the PPI payment from, it has a right to offset the PPI award against any debt which you owe. Even if the IVA trust has ended, the creditor can take all of the PPI payment if it is larger than the debt.
    • My standard response to a “flounce”: Don’t let the door hit your backside on the way out.   Delete the thread: won’t happen, should stand as a resource for others. There are a few circumstances where the site team will delete threads but I doubt this one comes close to qualifying.   Delete your account: either there will be an option for you to do so, or you can just chose to ignore and never come back.......   It depends on if you want no more to do with here, which is in your own gift, or you want drama / attention “Delete this thread”, “cancel my account”, “Goodbye cruel website!”, when : nobody cares any longer, due to you just wanting attention. Tatty-bye.
    • I don't think we disagree BankFodder. I understood uncleb to be asking about natural justice in the context of the actions and decisons of UK courts and tribunals (English law). There is, as you say, a much wider philosophical dimension to 'natural law' but it isn't something, AFAIK, something that would be taken into account by an English court or tribunal except to the extent of the Human Rights Act.  But I'm not an expert and happy to see further information or links on this interesting subject.
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
blueskies

Egg successes.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2316 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Some mad b*stard will be dumb enough to buy them :D


Mozzone

_______________

Taking on the bloodsuckers

Share this post


Link to post
Share on other sites

Humpty Dumpty plc just put in an offer. Or was that Numpty Humpty plc?

 

Q. is the failure of egg to provide a subject access request sufficient to dispute the account? or does it have to be a cca request?

  • Haha 1

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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


To those who give me reputation points, thanks. I don't usually pay attention to how much rep I receive, so I don't acknowledge it but I appreciate the favourable comments I receive when I sometimes talk sense.

"The attempt to combine wisdom and power has only rarely been successful and then only for a short while"Albert Einstein

 

"One should examine oneself for a very long time before thinking of condemning others".

Moliere (Jean-Baptiste Poquelin)

Share this post


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!

 

 

Share this post


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.

Share this post


Link to post
Share on other sites

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


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!

 

 

Share this post


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.

Share this post


Link to post
Share on other sites

 

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

 

Mine isn't


Mozzone

_______________

Taking on the bloodsuckers

Share this post


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!

 

 

Share this post


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

Share this post


Link to post
Share on other sites

Or, play 'hard boiled' with them :)

(I would have used my edit button but I don't have one).


Mozzone

_______________

Taking on the bloodsuckers

Share this post


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.

Share this post


Link to post
Share on other sites

What cut off point??


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!

 

 

Share this post


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.

Share this post


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

Share this post


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

Share this post


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.

Share this post


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

Share this post


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.

Share this post


Link to post
Share on other sites

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


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!

 

 

Share this post


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.

Share this post


Link to post
Share on other sites
They 'shell' not succeed.

 

That really is dire!


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!

 

 

Share this post


Link to post
Share on other sites
They 'shell' not succeed, Bazooka.

 

 

Does that mean the yoke will be on them?

Share this post


Link to post
Share on other sites

some eggceptional witticisms here.

TDS, just crack on with whipping up a stir at Egg.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...