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    • Thank you BankFodder    Please can Andyorch advise me how to make the application and what to attach I will send this off tomorrow after 3pm, I can post up the final version here of what I need to send and send this on Monday if I know what I am required to do and what I now need to send to the Court to deal with this matter fully   Thank you so much to you both
    • I think you should probably follow the approach suggested by @Andyorch who is probably more up-to-date on these things and I am
    • Hi, we have managed to agree terms with this creditor, thankfully and finally.   Now we face another problem...my husband was declared bankrupt in 2018 by another creditor. Long story short, it's now in the hands of a trustee.  They have apparently completed a driveby valuation which is higher than the first creditor mentioned previously so the trustee believes there is more equity for them to take.  Our property is leasehold with a 54 year lease so tricky to value.  We made an offer based on the first creditors valuation which was rejected by the trustee because, guess what, their valuation stands. So, I am now fighting again to save our home. Is there anything we can do to challenge the valuation and suggest the equity isn't as high as they think it is? Will a trustee be brutal enough to effectively push us into a homeless situation during a global pandemic because raising the funds they are seeking, is somewhat out of reach? Any help is gratefully received. Thank you.
    • Hi Andyrorch and BankFodder   I have just read up the posts, I am confused as to what to do, please can I be advised which route to go finally and how this is done, based on the advices to date.   I will be able to look into this tomorrow as I am off work most of the day tomorrow after 3pm   Thank you
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Egg Card now owned by Barclaycard


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Hi

 

 

First of all did you use the standard template letter that is on this wiki page? http://www.consumerwiki.co.uk/index.php/PPI I looked at various templates and info on this and other web sites and adjusted what i found to suit. It's important to take out all the bits that don't apply as the templates can be a bit OTT for your complaint.

 

Secondly how do you calculate the interest on PPI? I found some excel spreadsheets here http://www.consumeractiongroup.co.uk/forum/content.php?559-Interest-Calculation-Spreadsheets but I think these are for CC charges rather than interest on PPI? I didn't like the template ones so (with some pointers from Pompeyfaith) I did my own calcs.

 

Also, when you write to them do you tell them the total amount you are 'claiming' back or do you include the spreadsheet with the calculations? I did.

 

I'd be grateful for any pointers you can give and good luck with your mission!

 

N x

 

I'll try and find the link that Pompeyfaith sent me to and post it up.

 

M

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Thanks for your reply M, would be great if you could post the link with Pompeyfaith's advice, Im finding the calculations the hardest bit to get my head round now.

 

N x

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Thanks for your reply M, would be great if you could post the link with Pompeyfaith's advice, Im finding the calculations the hardest bit to get my head round now.

 

N x

 

Hi Neeta, sorry for the delay, took a bit of finding! This is the thread >>>> http://www.consumeractiongroup.co.uk/forum/showthread.php?212778-Emmtay-v-barclaycard-PPI-insurance and in it you'll find the links for the calcs.

 

Any problems then post back and i'll try and help.

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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JimPike's posts and Bosund's replies removed to avoid further hijacking.

 

8-)

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Even though they were both relevent to M&M's case....

Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

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We try to keep threads separate or they become confusing for all concerned.

 

The posts are all here - http://www.consumeractiongroup.co.uk/forum/showthread.php?293220-Jim-Pike-v-Egg-PPI&p=3284961&viewfull=1#post3284961

 

8-)

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Well Slick

 

I didn't particularilly want a thread, I was infact giving support to MandM and exchanging views. I thought the idea of the forums was to get discussion, I have seen many threads on CAG that have gone off topic completely but have not been edited like this.

You have infact removed posts that MandM made which are relevant to his thread.

I would rather you had just deleted my "non relevant posts" from MandMs thread, and not moved MandMs posts.

 

JIM

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Hi Jim,

 

As already said on the other thread, no offence or criticism was intended and sorry if the move annoyed you, Bosund or M&M.

 

8-)

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  • 4 months later...

Hi all,

 

This has taken a rather peculiar twist. I've not pursued the PPI on this for some time, but it's been a good tool for keeping Egg and their muppets at bay.

 

I've had a notification from Egg that my old Egg card (£5k debt) has been sold to Barclays/Barclaycard. My issue with this is that I bank with Barclays AND my only surviving card is also with them.

 

As Barclays have bought the Egg debt and, up until now, I've always refused to negotiate on it and paid very little, can Barclays now use the Egg debt to raid my bank account?

 

Obviously this is a big concern and will now doubt affect others in the same boat. Any links to similar situations would be greatly appreciated.

 

Mike

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Looks like I've found the answer! http://www.consumeractiongroup.co.uk/forum/showthread.php?297412-Barclays-will-keep-Egg-separate-but-job-fears-remain

 

Not the one I wanted unfortunately. Time to open a parachute account it seems. :-(

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi M&M - long time, no hear. :wink:

 

You've already seen that Barclays can and will raid a Barclays bank a/c to pay arrears on an Egg debt.

 

Turning this around slightly,Barclays announced at the start of the week that they will settle all PPI claims on Barclays a/c's that were made before 20th April 2011.

 

So I wonder if they'll also settle Egg PPI claims in the same manner, on their "no quibble" basis.

 

:wink:

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Hi M&M - long time, no hear. :wink:

 

You've already seen that Barclays can and will raid a Barclays bank a/c to pay arrears on an Egg debt.

 

Turning this around slightly,Barclays announced at the start of the week that they will settle all PPI claims on Barclays a/c's that were made before 20th April 2011.

 

So I wonder if they'll also settle Egg PPI claims in the same manner, on their "no quibble" basis.

 

:wink:

Hi Slick,

 

Too long! Hope you're well and life is good for you.

 

The thought had crossed my mind lol. We've already had the 'surrender' letter from an old Woolwich loan which was put on hold last November. Will post that one up when we get some movement, but looking good so far :wink:

 

I'm assuming that as the correspondance for this card from Egg suggests that BC now own the account, warts and all, then the PPI issue becomes their problem also. If so, it could make the PPI claim worth another shot as there's less likelihood of my 'other' Egg issue muddling things i.e. the other £25k I owe Egg (allegedly lol).

 

Mike

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

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From what I read about the acquisition, the Egg name will continue to be used for the credit card product and it will be separate from BC.

 

So perhaps it'll be Barclays Bank PLC t/a Egg.

 

:wink:

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  • 4 years later...

hi have been paying off this account since defaulted on it many years ago when it was still with Egg. Since then I understand Barclaycard have bought out Egg Card

 

Think I got a letter from them but cant find it now.

 

I am thinking of going to Barclaycard to ask for my PPI back

with the view to paying off the outstanding amount. :wink:

 

Originally asked Egg back in late 2000's but they said no.

Didn't know about the FOS then so by the time we did ask it was to late.

 

Having found out this week that Barclaycard are paying out PPI claims that were refused years ago even ones that went to court and lost I am thinking it might be worth a shot :pray:

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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yes very good idea

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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yes very good idea

 

 

dx

 

Yes, I may as well give it a pop and I'll post the result up here.

 

I've had another Egg related issue hanging in the background that may have confused this but that's jusy gone beyond the SB limit and, luckily for me it seems, they seem to have forgotten all about chasing that one up.

 

Which opens the way for me to pursue this one.

 

I'll have a bit of a game with BC for a while and see where it takes us.

 

Mike.

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Well put in the claim and Barclays have come back with their response

 

they are sticking to the fact that I applied for the PPI on line, blah blah blah :blabla:

and obviously because its past the FOS deadline cant do a lot.

 

Its annoying because I know I was missold this but I will have to wait until such a time as the FOS admit that they were wrong with their time limits and let everyone put their arguments in again.

 

Not even sure if going down the court action route will work

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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which claim this one

or the egg one

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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the Egg card now owned by barclays

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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pop back to post 54 and before

you applied online

there was no option to untick etc

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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pop back to post 54 and before

you applied online

there was no option to untick etc

 

 

Certainly was dx. However, as I missed the boat with the FOS it leaves me in the tricky position of me having to take them to court and the onus of proof will then sit squarely with me.

 

 

I had my DSAR info way back from Eggy themselves and I can't find anything in there that gives me the ammunition to go at them with so, short of an admission of them pre-ticking, it's all a bit of a risk. If they call my bluff and go for a pre-hearing prior to allocation the costs could run into a few thousand which is a big risk I can't afford.

 

 

If I were to be totally honest I'm not confident that I DIDN'T tick a box.

 

 

I thought about farming this out to a claims company and let them take the risk but they only seem interested in going the FOS route (which isn't an option here) as they love an easy life.

 

 

Mike

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Certainly was dx.

 

 

Edit: I meant it certainly was an online application

 

 

Mike

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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post 81

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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post 81

 

 

Thanks again DX. Sooo long ago now! But prompted me to read through the history again.

 

 

Will think some more but doubtful that I'll progress this.

 

 

Mike

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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