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    • make a new topic for each company. scan up to PDF their full responce   that way we wont be getting your knickers in a twist   most likely scenario will be straight off to the FOS if they've sent their final response don't forget very few will ever cough they did wrong at the 1st try use this thread for general info concerning all of them
    • Hi Guys   So a number of weeks ago I began the process of opening IRL claims on 35 payday loans.    15 of the loans are ongoing, with monthly credit commitments standing at around £2k per month.    I have so far written and sent letters of complaint on these 15 loans (to 10 different companies).    I have outline drafts for the other 20, although the structure is largely the same.    I have run out of momentum in a big way but having had a short break with my young family I am getting back on the case. I have begun to receive replies from the Companies in question, none of which have been favourable thus far. I have also not spoken with and come to an arrangement on a payment plan for a handful, which is adding to the stress and impact on my mental health.    My intention with this topic is to try to lay out in as concise a way as possible the history of these loans, the key figures involved and also an example of the letters that I have sent thus far.    From there I will share the responses that I receive and further action thereafter.    I am unsure on a number of issues if I am honest. I do not think that I provided anywhere near enough evidence in my letters, which is probably going to lead to a string of rejections. I can not afford to repay the loans under the initial terms and in any case I have no intention of repaying a single penny over the loan capital.    I am concerned about the effect that this will have on my credit file, the security of my mortgaged house, the prospect of bailiffs etc. should I run into problems while waiting for The Financial Ombudsman.    I feel it is therefore in my favour that I have not yet sent the other 20 letters, which request a refund of interest totalling nearly £4k, as I expect to have a much stronger case within a couple of weeks.    I am off to search the forum as I recall seeing a post about Etiquette when posting files, and I will have quite a few to upload. First being a spreadsheet which I hope will give a clear understanding of all of this.    Most of all I am hoping that, by the end of this process, my journey will give even a single person the means and hope to get themselves out of a similar position.    Thanks for reading.   Pierre.    
    • I am back as I today have got Notice to registered keeper showing parking charge amount due now is £100.   What shall I do now? ignore or appeal?   Please see below my answers now that I have received NTK.   1 The date of infringement? Answer: 18th June 2019   2 Have you yet appealed to the parking company yet? [Y/N?]  Answer:  I haven't appealed yet.  If you haven't appealed yet - ,.........   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] what date is on it Answer: couldn't find the date however I received it today (22nd July 2019) Did the NTK provide photographic evidence?  Answer: Yes, although it only shows the number plate of my car.   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?]  Answer:  No.     4 If you appealed after receiving the NTK,  did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Answer: I haven't appealed yet.   5 Who is the parking company? Answer: MET Parking Services Ltd.   6. where exactly [Carpark name and town] did you park? South Ruislip ASDA, (840) Arla old dairy    Please also see the attached copy of the NTK that I have received. Scan 22 Jul 2019.pdf
    • What would be the orders of the courts in this scenario? The only court involvement normally is the rubber-stamping of a bailiff warrant. What other court interest is there?
    • Hi Gusolo.   I see you've been here for a while, so maybe I could suggest that you read around our PPC forums for cases involving Amtrac and other PPCs to understand how they operate.   Here at CAG we like people to self educate so that if the issue ever goes to court they understand the arguments that they need to make.   HB
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This is becoming eggstremely poor, my mind is becoming scrambled and fried now...


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!

 

 

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This is becoming eggstremely poor, my mind is becoming scrambled and fried now...

 

Blimey, its like I'm treading on egg shells :)


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.

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hate to 'break' the party but I'm getting nowhere with egg. v similar situation to you TDS (loan followed by top-up loan creating a part restricted and unrestricted use). Egg just aren't replying or engaging with me at all.


Mozzone

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Taking on the bloodsuckers

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hate to 'break' the party but I'm getting nowhere with egg. v similar situation to you TDS (loan followed by top-up loan creating a part restricted and unrestricted use). Egg just aren't replying or engaging with me at all.

 

Have you thought about getting the FOS involved ?

 

If you have already complained to EGG and 8 weeks have passed, you can go to the FOS now. If no complaint made yet officially in writing, it may be worth doing this.

 

What usually happens it that the FOS will send a copy of your complaint to EGG in this case, asking for their side of the story. EGG will want to avoid the FOS complaint being properly registered, as they will then have to pay the FOS a £500 case fee. It would cost you nothing.


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Have you thought about getting the FOS involved ?

 

If you have already complained to EGG and 8 weeks have passed, you can go to the FOS now. If no complaint made yet officially in writing, it may be worth doing this.

 

What usually happens it that the FOS will send a copy of your complaint to EGG in this case, asking for their side of the story. EGG will want to avoid the FOS complaint being properly registered, as they will then have to pay the FOS a £500 case fee. It would cost you nothing.

 

 

I didn't know about the case fee ;)

Well, it hasn't been 2 months since I complained but it has been 2 months since I disputed the account (as distinct from my complaint about Egg's lack of communication)

I have written to the Foz. On another thread I have started, I am tackling HSBC on behalf of my GF. Now, in that matter I wrote to the Foz and they wrote to the bank giving them 8 weeks to reply to the complaint or from the date of their final response, whichever is sooner. The Foz then sent me a complaint form

In this case I have written to the Foz and await their complaint form.

I have moaned to the ICO as well.

Following this thread as v similar to my situation. would be interested to know the amounts involved.


Mozzone

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Taking on the bloodsuckers

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Hello. I now have my SAR back from Egg.

 

It transpirwes that I had BOTH an old Egg Loan and an Egg Credit card settled by the Top-Up Loan.

 

BOTH the old loan and cardit card and PPI. The credit card agreement is one of those "Approved Limit" versions.

 

The old loan agremeent has APR applied to the PPI.

 

The balances for both were settled by the Egg Top up, so 100% restricted use, not multiple. BUT the PPI balance of the old loan was included in the settlement figure paidd by the Top Up. Surely this is dodgy?


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.

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Yes this does sound dodgy if you were not given a proper explanation at the time and it was not your choice at the time.

 

I think you should submit the complaint to the FOS and inform EGG that is what you have done. It will be up to FOS, to look into matters of compliance. You don't need expert advice to inform your complaint, as the FOS will look into this on receiving your details. Just keep it simple.


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Yes this does sound dodgy if you were not given a proper explanation at the time and it was not your choice at the time.

 

I think you should submit the complaint to the FOS and inform EGG that is what you have done. It will be up to FOS, to look into matters of compliance. You don't need expert advice to inform your complaint, as the FOS will look into this on receiving your details. Just keep it simple.

 

I have taken a longer look at the credit card CCA and loan CCA paid off by the Top Up Loan.

 

The CC is an approved limit version with no credit limit stated. They also sold me monthly premium PPI, which accrued and was added to the balance transferred to the Top Up.

 

The Loan was made up of a single premium PPI worth over 20% of the loan, to which they added APR of 7.9%. The balance of the PPI was added to the Top Up loan. This seems outrageous to me.

 

Now, Egg also defaulted me for £9K years back or the Top Up. It seems to me that this default should be removed because the default sum is inaccurate?


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.

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The thing to do then, is make a complaint to Egg. Ask them for a full explanation of what they have done and tell them you will asking the FOS to look into the matter.

 

While you are in dispute with Egg via the FOS, they have to stop collection activity. The FOS are on many occasions taking over 2 years to look into complaints.:lol::lol:

 

So YES you should definately continue with this.

Edited by unclebulgaria67

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The thing to do then, is make a complaint to Egg. Ask them for a full explanation of what they have done and tell them you will asking the FOS to look into the matter.

 

While you are in dispute with Egg via the FOS, they have to stop collection activity. The FOS are on many occasions taking over 2 years to look into complaints.:lol::lol:

 

So YES you should definately continue with this.

 

Thanks Uncle.

 

Here is an email received from Experian today and my response...

 

Dear

 

Further to our recent correspondence, I have been contacted by Egg Banking PLC regarding the defaulted account started . They have confirmed that the details we hold are accurate and have requested that we retain the information on our database. Unfortunately I am unable to amend this information without the authorisation of the company in question.

 

The following Notice of Dispute will remain on this entry for 28 days. It will then be removed, unless I receive further notification from you:

 

"THE CONSUMER HAS DISPUTED THE ACCURACY OF THIS ENTRY AND WE HAVE THEREFORE ASKED THE PROVIDER TO INVESTIGATE IT. GIVEN THAT THIS DATA IS DISPUTED, PLEASE TAKE CARE IF MAKING AN ASSESSMENT OF ANY KIND THAT MAY INCLUDE THIS DATA."

 

If you have any further queries or wish to discuss this further, may I suggest you contact the company concerned direct at the following address:

 

Egg Banking PLC

Pride Park

Riverside Road

Derby

DE99 3GG

 

Tel: 0845 1233233

 

Please be assured that should they send us any further instructions regarding this matter, we will act upon them accordingly.

 

If you have a question about your creditworthiness, your CreditExpert membership includes a free ?Frequently Asked Questions? feature.

 

If you would like to look at this, you will need to log in at www.creditexpert.co.uk and go to the FAQ?s tab at the top of the page.

 

Kind regards

 

Miss

Senior Client Queries Administrator

Client Queries

 

and my response...

 

Dear Sirs

 

The adverse data should be removed by Egg, who may be reported to the Information Commissioner's Office (ICO) in due course if the Default of is not removed or adjusted.

 

The reasons is as follows:

 

The credit sum that Egg claims defaulted (£ ) is made up in part of unlawful charges relating to mis-sold and mis-transferred payment protection insurance from no less than TWO older Egg credit accounts. Consequently that default sum is not accurate. As such it is in breach of contract and further, you should not record inaccurate information on your database.

 

The default sum is therefore disputed.

 

I have written to Egg directly concerning this matter and please note that my account with them is currently in DISPUTE. You should treat this email as the appropriate response to your invitation for me to respond within 28 days.

 

Therefore, the Notice of Dispute should remain on my credit file until this matter has been resolved with Egg. Ultimately it may have to go to the ICO and the FOS. Hopefully you will hear from Egg before then concerning its removal or amendment.

 

Please let me know what you propose to 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.

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Sounds ok to me. Slight typo. The reasons are as follows.

 

See what Experian say. I can't see why they can't keep a notice on longer, that you are disputing the accuracy of the information.


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Cheers Uncle B. We'll find out if they can sustain the dispute notice soon enough!


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.

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Got my answer from Experian. They said:

 

Thank you for your email, which we received on August 2010.

YOUR QUERY:

- Egg Banking PLC (Account started )

SUMMARY:

The account information we hold actually belongs to lenders. Only they can amend it or tell us to amend it for them.

Experian cannot amend or delete data which belongs to another organisation unless we have their consent to do so.

 

WHAT I AM DOING FOR YOU:

As you have requested, I have arranged for the following Notice of Dispute to remain on your credit report until further notice.

"THE CONSUMER HAS DISPUTED THE ACCURACY OF THIS ENTRY AND WE HAVE THEREFORE ASKED THE PROVIDER TO INVESTIGATE IT. GIVEN THAT THIS DATA IS DISPUTED, PLEASE TAKE CARE IF MAKING AN ASSESSMENT OF ANY KIND THAT MAY INCLUDE THIS DATA."

 

WHAT I RECOMMEND YOU DO NEXT:

Keep viewing your credit report to see any changes.

If you have lived at any other addresses, you can add these to your report profile online. You will then be able to view all of the information that we hold in your name at the addresses provided.

I have noticed that you hold an active account at your previous address. I recommend that you move this account to your present address, as lenders like to see all active accounts at your present address.

 

FURTHER INFORMATION:

If you have a question about the information on your report, you may wish to look at the Frequently Asked Questions section of our website.

Kind regards

Consumer Services Officer

Customer Support Centre

Experian Interactive


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.

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Before I forget, FOS have a separate form for PPI claims and it has to be sent to the creditor. So the Eggsters will get the main Fos complaint about the mis-sold Top Up Loan, inaccurate defaule tec PLUS 2 separate PPI claim forms :)


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.

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Its been a long time coming but I wish to report....

 

VICTORY OVER EGG

 

The FOS have now adjudicated and Egg have agreed to all of the following:-

 

1. PPI to be repaid plus contractual and statutory interest for the credit card monthly premium PPI

2. PPI rebate plus contractual and statutory interest for the consolidated loan single premium PPI

3. A full rebate based on a calculatution of the carry-over of PPI into the consolidation loan (for the duration of the loan from inception to date), plus interest on this sum

4. £100 compensation for distress and inconvenience

5. A rebate of the overpayments I have made on the consolidation loan principle plus interest because of the PPI loaded onto it, ref both the credit card PPI and the consoliodated loan PPI

6. Review of the default when the calculations are to hand


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.

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Sounds like a result - well done. I see today that Barclays are taking over Egg credit card accounts

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Barclays. LMAO. Just when i thought that dispute resolution at Egg couldn't possibly get any worse!!


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.

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I saw that - what about Egg credit cards accounts - years old where accounts were closed without default notices -those to be taken over as well ?

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I am one of 161,000 egg c/c holders whose accounts were terminated when not in arrears - two + years ago. no payments made by me since

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one things fa sure, IF (if) Barcrap do start chasing up on those accounts (via CDCS or whoever), you'll get absolutely bloomin nowhere complaing direct to the bank. They will slither and squirm and weedle their way out of sending CCAs and SARs for those Egg card accounts.

 

keep an eye on your credit files.

 

I have now sent 3 complaints to the FOS about 3 separate banks and the FOS have adjudicated, by and large, in my favour on each ocacsion, including the removal of adverse data at the CRAs.


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.

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Well done DS! Result


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!

 

 

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I have yet to learn the quantum (actual sum due back to me) for the charges, interest and PPI premiums and will report back when I do. However, Egg now have 4 weeks to comply (and I'm counting... :) :) :) :) )


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.

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Moved to success.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Can you help with this please? Got an Egg card several years ago and have been paying £150 per month for at least the last two years by direct debit so finally rang Egg last week to ask what was still outstanding as this account was online and I had not used it for so long had forgotten the original account number, and was informed the figure was around £1500. I have not had a new card sent for at least two years despite the continual monthly payments and was informed that I was considered not a good enough risk to have a new card sent. I then asked for a settlement figure for the outstanding debt and also asked if the interest could be frozen and a better payment system set up and was informed that neither were possible, I would just have to keep paying the monthly £150. Is this in fact correct? Also is there any way in which I can get a settlement figure, I worked out that I have already paid thousands in interest over the past few years and was horrified to discover that the figure was as large as 1500 - the original limit on the card was no more than 3500!

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Can you help with this please? Got an Egg card several years ago and have been paying £150 per month for at least the last two years by direct debit so finally rang Egg last week to ask what was still outstanding as this account was online and I had not used it for so long had forgotten the original account number, and was informed the figure was around £1500. I have not had a new card sent for at least two years despite the continual monthly payments and was informed that I was considered not a good enough risk to have a new card sent. I then asked for a settlement figure for the outstanding debt and also asked if the interest could be frozen and a better payment system set up and was informed that neither were possible, I would just have to keep paying the monthly £150. Is this in fact correct? Also is there any way in which I can get a settlement figure, I worked out that I have already paid thousands in interest over the past few years and was horrified to discover that the figure was as large as 1500 - the original limit on the card was no more than 3500!

 

Please can you clarify the account status? Did you ever miss any payments or make any underpayments,or are you another person that Egg has unilaterally terminated? If the account limit is 3500 and you make minimum repayments of 3%, then this would be 105 monthly.

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