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    • Well I'll deal with the questions as well I can. Normally speaking you would be required to give 14 days notice. This is a protocol and so it's not completely fixed. I would suggest that you at least give seven days' notice so if you give notice today by email then it would be reasonable in the circumstances to begin an action next Monday. I will explain in the email why you are shortening the normal period of notice and also point out to the fact that he has been uncooperative so far whereas the circumstances are extremely clear and your rights under the consumer rights act are extremely clear. I don't know any way that the case could be expedited – but certainly when you receive the directions questionnaire then you should explain to the judge at that point the urgency of the situation. You will have to put some amount so if I were you I would estimate the maximum amount of likely damages and then claim for a figure "not exceeding £XXX". Of course that will mean that you will be paying a higher claim fee. You could explain in your letter of claim that this is what you will be doing and why you're doing it. You don't need to put a lot of detail at this point. Have a look at that and see if it sums up your case correctly. Sue them at the registered address. Get all information you can from the mechanic including photographs et cetera. Also get your independent report. You were not needed at this point to issue the claim but it will be extremely helpful later on. You will be able to claim for the cost of this as well.  
    • A complaint 12 Months after the event.....................   Complaints about GP's are taken very seriously. Its not surprising he wouldn't want to see you alone, maybe with a chaperone, but not alone.   So you intend to complain again................................   You had best be careful or the Practice will strike you off and then you might be stuck. Just see another GP at the same Practice and move on.   H
    • Good Afternoon all.   Please forgive my naivety, this is my first post and I would really appreciate some advice.    I purchased a Ford Ranger 2015 plate from Ron Whites Trade Cars in Wakefield on 18th Feb this year. I paid £6,700 on debit card and was given £4000 trade in for my 2010 Nissan Navara, so £10,700 in total. Inclusive of 6 months 3rd party warranty.   I had recently been diagnosed with secondary cancer in my bones (including spine which affects my mobility) and needed a reliable vehicle to travel to and from hospital of which I made him aware of. Also that I have several dogs and horses and therefore needed a pick up.  My dear Dad helped me with the cost of the car.    At my request, he put a new MOT on it and I collected it a few days later.    On Thursday 9th May, having driven no more than 500 miles from collection,  I was driving at about 45 MPH, when I was approaching a 30 MPH zone and a busy crossroads, and went to apply the brakes. The brakes failed (as in nothing at all) and I had to slow the car through the gears and apply the handbrake narrowly missing several cars.  I can't tell you how frightening it was, and I have been scared driving since.    I called Ron Whites Trade cars ltd and spoke to the dealer.  He told me to call the warranty company. Which I did. They advised me to call a tow truck and tow to a VAT registered non-main dealer.    The warranty company - clearly not worth the paper it is written on - said I need to show full service history. I realised then (my bad) that it never came with FSH, despite the advert declaring that it did. I have screen shots of the advert that verify this.   The garage where it was towed to called me the next day and asked how long I had had it. I explained not long. Their head mechanic said an unaligned fitted part - fitted prior to purchase (vacuum pump to brake servo?) has caused the damage and it was likely to be a very large bill. He advised me to call the dealer and under the CRA 2015 ask him to repair it or reject it.    I called him back and without going into details - he refused to help. The mechanic from where it is currently sat also had several conversations with him. Apparently the dealer became quite threatening and abusive.  The mechanic advised him to come and collect the car and repair it as he should do under CRA 2015. The conversation ended with the dealer telling him to just fix it and bill me.    I emailed and sent a recorded letter on 10th May, advising them to collect the vehicle and repair it or pay the garage where it currently stands or I shall take legal action.    I heard nothing.   I am now going to authorise the garage to carry out the repairs and will be seeking costs through the small claims court.  I have researched the company and they have a large selection of vehicles, last assets were recorded at just under £600k.  Most of the stock is stored at the Director's home address. Which is where I purchased the car from. Although the receipt states Ron White Trade Cars Ltd.    I desperately need the vehicle and although I have an old Peugeout 106 as a loan car - I can't possible carry out my hobbies and usual daily life in it.   My poor Dad is lending me the money to repair it.    My questions are:  A) Can I start the small claims process now? The reason is that I have a DS1500 form - which basically means I may have less than six months to live - but hopefully more! Could the case be expedited in order I can settle things sooner for obvious reasons?  B) Do I sent another email/text advising that tomorrow I will start the claim? B) I have no idea what the total bill will be until the car is fixed - so do I claim an 'undisclosed amount?' C) What wording do I put on the form - what detail should I absolutely not miss out?  D) The registered address on Company House is that of an office elsewhere. I assume the accountants address. I collected the car from his home address (approximately 30 other cars were there) so can I send the court papers to this address? E) Who do I put on the papers? Ie Ron White trade cars ltd. Or the director I dealt with (of which there are 3)  F) I have been advised to get an independent report - but this is going to delay the process even further. The mechanic has advised he will take photos and written evidence. Would this suffice before a judge?    I'm very grateful to anyone who has read this, and apologise for such a long post.  Many thanks         
    • 2 years ago I made a complaint against a GP at my surgery....the reply I received was the GP could not recall the events (in the complaint) because the GP see so many patients a day and the complaint I sent was 12 months after the event.   Now to what happened recently....   1. I had a appoointment at 10am with the same GP I had made a complaint againt over 1 year ago...I booked myself at reception and waited, waited when it was 10.20 I asked at receptionion when would I been seent, as my appointment was at 10am. A receptionist told me 'There has been an emergency of some kind with a patient...so that has caused a delay and your appointment will now be moved to another GP' - I asked why the appointment was moved and was told 'sorry I cannot tell you' and you will be seen soon.   2. 10.30am and still not been seen so I asked another receptionist, she checked the computer system and told me the GP (name) has refused to see me because I made a complaint against him over 12 months ago and now my appointment was being moved to a different GP and I had to wait. I told the receptionist this was wrong and the GP had to be impartial as a GP and he was making this personal by not seeing me.   3. Eventually I was called and saw a different GP and explained to him what happened and the GP I had originally had an appointment with had refused to see me because of a complaint I raised against him over 12 months ago. The GP I was with was shocked and surprised and told me that GP should not have refused to see me   NOW I need your help to write a complaint, please can you help me
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 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
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
LordSuggs

old Egg loan ScotCall/Arrow Global/Westcot - Now Claimform

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Hi all,

 

I've recently found this forum and am looking for some guidance on how best to proceed with a loan I have.

 

The background:

 

I was experiencing financial pressures with my business in 2005

and took out an Egg personal loan to pay off a credit card bill

 

I had accumulated while trying to keep the business afloat

- yes stupidly I was accumulating personal debt to support my business.

 

Obviously this didn't help, and in 2006 I then took a further loan to raise the amount to £20k.

 

About this time I had an accident in my house and all my paperwork were lost in the resulting effects.

(it never rains but it pours!).

 

Due to the business failing and my own poor mental state,

I stopped paying on the account in early 2008.

 

My business failed shortly after and I had to go on JSA and move in with a family member,

whilst also struggling with depression.

 

After being chased relentlessly by Scotcall,

I started paying £1 a month in a temporary agreement.

 

I attempted to agree a full and final settlement with them in early 2009,

when a family member agreed to pay £2.4k,

 

but they would only agree to a partial settlement

- after discussing with the national debtline they said they wouldn't trust that

as far as they could throw it,

 

I declined the offer and asked if we could agree a further £1 a month settlement whilst I was still on JSA.

 

However I didn't hear back from them after this.

 

That was until June this year,

when I received a notice of assignment that Arrow Global had taken over the account from Egg

and I would be dealing with Westcot.

 

Learning from my dealings with Scotcall,

I have changed mobile number, so am only dealing with them via mail.

 

I have just started a new part time job and come off JSA,

 

I can afford a small amount a month and following their contact with me,

 

I offered them £5 a month for 6 months.

 

They responded by sending me a blank Direct Debit form to fill in

- no acknowledgement of my offer,

no agreement stated, no amount, no dates....

I was expected to sign it and send it back to them.

 

Of course I didn't and asked them for their account number which I could pay into myself.

 

After obfuscating for two more letters,

I have finally received a Standing Order form from them,

which they ask to fill in and send back to them.

 

Now my dealings with Scotcall have hardened me somewhat,

I am not as intimidated by them as I would have been a few years ago.

But I am still unsure of the best way forward.

 

Should I send this back to them or just go ahead and pay the £5/month online now I have their account details?

Given that I have no paperwork, I'm guessing a CCA request is a given, but do I write to Egg or Arrow Global?

 

Anyone know if Arrow Global are more receptive to full and final offers than Egg were?

 

Any other pointers would be gratefully received

 

- I wish I'd found this forum years ago!!!!

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Under no circumstances complete the Direct Debit. Using the bank details provided set up a standing order which you control or ensure you pay each month using your online banking facility.

 

there have been on or two reports on the forums where DCAs have helpe themselves, or increased the direct debit value without consultation.

 

I would then confirm what you have done in writing... just advise that your bank account doesnt support direct debit payments.


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CitizenB - will do that immediately.

 

Any idea on who I send the CCA request to - Egg, Arrow Global or Westcot?

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It is my understanding that the CCA request should go to the original creditor. However, I have seen others say it should go to the current owner of the account.

 

Not much help on that one, was I :(


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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ah thanks - will do a bit of digging around and see if anyone's had any success with either approach.

 

Thanks also to the person who just messaged me with tips - I can't reply by message as I don't have 5 posts yet :(

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It might be worth having a read of the two links below.

 

The first is quite lengthy, the 2nd contains letter templates. I think once you have received a response to your CCA request, or not as the case might be.. you may need to confirm if they DO actually retain a copy of the original.. especially if they have decided to send you a reconstituted copy.. which is acceptable for the s78 request, but not for any litigation.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?291468-Fighting-back-with-CPUTR-2008....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?317447-Request-for-confirmation-of-documents-under-CPUTR-2008

 

If you look at PriorityOne's threads, you will also find a thread where you can ask questions in respect of anything CCA

 

HTH


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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pers i'd look at your cra file and see who owns the debt.

 

then fire the cca off at them.

 

i'd also consider an sar to EGG

 

as i bet there is some reclaiming to do somewhere!

 

for the minute, i'd pay no one anything till we get your ducks inline.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ok, I have had a look at my file and the loan is now definitely with Britannica Recoveries.

 

I've also got listings on the old Egg card going back to 2000.

 

So guess that's the plan then - CCA to Britannica and SAR to Egg.

 

Thanks for the help guys - really appreciated. Will update once/if I hear back.

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Ok, well I've heard back from my CCA request.

Arrow Global, Acting as agent for Britannica Recoveries have said:

 

"DEBT OWED TO Britannica Recoveries, Assigned by Egg

 

We do not accept that we are the creditor as envisaged by the above statute.

 

However we are willing to assist in obtaining that which has been requested.

 

We will now process your request for documentation from the creditor and will revert in due course"

 

Anyone know how this affects the 12 + 2 days time limit?

 

Also, do I just send one onto Egg now rather than wait for them to do so,

since they returned my £1 postal order?

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Doesn't affect timescale - my advice would be to send account in disput letter.

 

Intend

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The relationship between Arrow Global and Brittanica is close enough to be incestuous, and gives the lie to their whining in their rather curiously worded letter.

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p'haps a CCA is a waste of time

but will confuse the brits!

 

get an SAR off to egg.

 

lets see whats actually going on here.

 

dont forget NONE of the people chasing you/involved have ANY legal powers

so no paying them yet.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Doesn't affect timescale - my advice would be to send account in disput letter.

 

Intend

 

Thanks for the advice - sorry, a bit confused.

 

The letter in dispute surely works on the basis that the timescale has expired?

 

So wait for the 12+2 days, and then send, yes?

 

The relationship between Arrow Global and Brittanica is close enough to be incestuous, and gives the lie to their whining in their rather curiously worded letter.

 

It's got me confused - my credit report says the debt is with Brittanica,

 

the letter received from Arrow says it's nothing to do with them and it also says it's assigned from Egg.

 

p'haps a CCA is a waste of time

but will confuse the brits!

 

get an SAR off to egg.

 

lets see whats actually going on here.

 

dont forget NONE of the people chasing you/involved have ANY legal powers

so no paying them yet.

 

dx

 

Take the bull by the horns, so to speak? I received a letter from Westcott too trying it on, but it is dated before Arrow's. They certainly do like trying to exert pressure!

 

A question on SAR - given that there was a credit card AND loan with Egg, do I need to specifically highlight each of these, or does a SAR cover all dealings with this company? Cheers.

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a SAR covers all data, all accounts.


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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Hi there.

Time for an update.

 

Early January I received a second letter from Arrow Global/Britannica Recoveries

from my earlier requested CCA,

saying they are still awaiting receipt of documentation from the assignee Egg.

 

So I sent off aSAR request to Egg. They replied last week as follows:

 

"This letter is about your Egg Account

 

Thank you for your request for an executed copy of the credit agreement for account number XXXXXX

with Egg Banking Plc under section 78 (1) of the consumer credit act 1974

 

As the account you refer to is now closed I have to inform you that Egg

are under no obligation to comply with a request for a copy of the executed agreement

under the Consumer Credit Act as we no longer have a contractual relationship relating to this account

nor are we seeking to enforce any agreement on the account.

 

The right to be provided with this information from Egg Banking plc ended with the closure of this account.

 

Section 78 (3) (a) of the Consumer Credit Act states that section 78 (1) does not apply

where 'no sum is, or will or may become payable by the debtor'.

 

The right to request an executed copy of the agreement is found in part VI of the act,

which is entitled 'Matters arising during currency of credit or hire agreements.'

 

so where an agreement is no longer current the right to request or be provided

with a copy of the executed agreement therefore ceases.'

 

In my request to them, I only gave my address and did not specify account numbers.

 

So what they've done is commented on my closed Egg card, and not mentioned the Egg Loan.

And also they have not returned the £10 postal order!!

Anyone have any idea what they're playing at?

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Rather odd statement to make from EGG..

If no agreement is going to be forthcoming, the new owners are going to have a hard time pursuing any balance outstanding.

 

 

I have asked for further advice on this one :) the new owners wont be able to "reconstitute" an agreement that's for sure.


Please consider making a small donation to help keep this site running

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donatelink3.gif through PayPal (opens in a new window)

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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told ya

 

now i take it that was a reply to your cca

 

is the sar still on its way?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks, citizenb - appreciated :)

 

To clarify, all Egg have mentioned in their reply is the number of the Egg card account I had prior to my loan. No mention of the reference number of the Egg loan that Arrow/Brittanica have been corresponding to me about. Both accounts had the same home address.

 

Hi DX,

 

The Brittanica/Arrow reply was the response to the CCA - effectively saying we've not heard back from Egg.

 

The SAR request to Egg elicited the long reply I quoted, bypassing any reference to my outstanding loan and only mentioning the closed Egg card account.

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post 15 is in relation to a CCA

s78 is nowt to do with an SAR

 

dx


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Ah ha! That makes sense now in regards to why they didn't return the £10 PO for the SAR. It's still being processed.

 

So just hold fire till the 40 days for the SAR request expire?

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Absolutely, if they dont comply with the SAR within 40 calendar days.. then you can issue a court claim in order to force their compliance :)


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Once the 40 days is up and they haven't produced the documents then you would need to write a letter stating that they hadn't complied fully with your SAR, enclose a copy of the original SAR request.....give them a further 7 days from recepit of your letter something similar to this - http://www.consumeractiongroup.co.uk/forum/showthread.php?178660 I think it might also be wise to state in that letter that if they do NOT hold the documents you requested then they should confirm this in writing to you....


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So, EGG are saying if they closed the account monies are not due???


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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Really appreciate the advice, fellas. Will update again once the 40 days expire or if any more correspondence arrives.

 

brokebutnotbeatn - not overly sure, since they only make reference to my closed Egg credit card. Hopefully if they respond to the SAR that will clarify thing...?

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Well someone's been busy. Reconstituted agreement received from Arrow/Britannica and 400 odd pages received from Egg in relation to my SAR including credit card statements going back to 2000. Please help - where do I even start with this lot?

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