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    • @BearLake1   I have a similar PCN from the same place. I've just received 'Letter Before Claim' today. I wonder if you are able to share your reply to CVS? Did you send your reply by email or mail?   Thanks!
    • Will this work?   I disupte this debt because, Firstly i only ever used my phone via wifi, there was never a notification regarding usage and data. The rules regarding roaming usage has changed,  the default was illegal and was disputed. This matter is between O2 and myself.   The debt purchaser has yet to provide any or all of the required documentation.
    • Hi all   Wow, do I have a situation to contend with now! I shall include as many important facts as needed.   I have received a solicitors letter today, by instruction of MY PARENTS claiming they are beneficially entitled to a property I purchased in 1999.   This property belonged to my Grandad who sadly passed away in 1993. He had hand written a will, not witnessed by anyone, leaving the property to my Mother and not his Son. Of course my Mothers Brother wasn’t happy with this and contested it which ended up in court. This dragged on for a long time, it could have been years? Until it was decided the house be sold and money divided equally. From memory I think the legal feels were around £30k ish.   At this time my parents didn’t have jobs and I was able to obtain a mortgage in 1999 and after going on the market purchased the house for £50k as it needed a lot of work. At the time I was very close to my parents and it felt a good thing to keep the house in the family circle as such (like cars sometimes) but was obviously in my name as the owner. I paid the mortgage and utilities on it and it sat empty for ten years whilst deciding what to do, more my Mother not wanting anyone to touch it and change memories.   The council kept writing to me until eventually said it would be a forced sale if nothing done with it. I then obtained additional borrowing to fund the complete renovation and then rented it out with the idea if it reducing the mortgage. Around the same time and during the crash I manged to buy another house needing work, by using equity on first as a deposit and a mortgage on the new house.   My parents would always refer to the 1999 as my house although this felt awkward. A few years along the way (2010/1/2) my Dad purchased their council house at a reduced rate.   I moved out of my parents home in 2014 and into the second house once it was all modernised, which since the relationship with parents has just deteriorated a lot. Arguing about lots and them saying I need to ‘sign the house back over to them’ on more than one occasion.   To fast forward, the tenants moved out of the property recently and my parents found because as creepy as it sounds, I think they used to drive by or watch them. The signing back over has been demanded recently to which I said was ridiculous etc…   Today I get this letter with 29 paragraphs and crux of which being to transfer to property, with vacant possession and mortgage free, to them and in addition any surplus rent from the previous ten years!   The letter is full of lies my parents have told the solicitor such as:   I lived with them rent free in lieu of paying the mortgage They paid all the utility bills and council tax They paid for and carried out most of the work back on the house in between purchase and 2008 when renovated My Father dealt with the letting agents recently and I ‘merely’ signed the tenancy agreement   There was a time, as my parents have always been high maintenance, I had written something for my Mum to say although I own the house, morally it belongs to her as probably thought it would help the relationship. A copy of this has been included, although I think looks slightly different to what I had printed and also says…about asking their permission to sell it and they could move in if they ever wanted, I really do not recall saying that! This piece of paper I refer to has no date or signature.   My goodness, this has completely knocked me for six. Its like history repeating itself!   I have checked with Eon, Council tax etc… so far and all have been in my name and paid for by me.   The letter also says ‘the facts of this case are familiar to you and you ought not to require any further enquiry’ which almost is like the solicitor knows this is all hearsay/BS and no proof? Also that I should respond to the claim within 28 days. The letter was also not recorded in case it makes a difference.   Another paragraph says advises my parents 'have a strong claim that I am holding the property on trust for them absolutely by way of constrictive trust and/or proprietary estoppel' I have no idea what this means!   One thing I should point out, I used to be very much in my parents bubble, asking them for advice, wanting their approval, very much lacking confidence in awareness of my own abilities. It is since I have started thinking for myself they don't have the hold on me their behavior  have become worse.   What are your thoughts please? I really have no idea what to think!   Many thanks in advance as always   E!
    • So I got a phone call on Saturday on my private mobile phone. This call was from Moriarty law ...I had sent my PAP docs back with no e mail address or phone number ...they said they had used a tracing company to find my details ....I have since called them and put in a complaint that they have breached GDPR regs ..they have now suspended any action pending a full investigation. The agent who called me was not very bright to say the least ..he wanted me to make an offer of payment even though as I told him it was only an allegation that I owed the money as ADCB had not sent the original paperwork back..... he then told me that they could take me to court even if I had not got a copy of my signed credit agreement ....I basically told him to jog on ...I'll let you all know the outcome of Moriartys GDPR breach investigation .
    • or should I sent a copy of Ericsbrother's template  ?    Please help!     Unfortunately for you, I was not born yesterday so I will not be paying the demand as there is no liability in this matter because the signage is prohibitive and not an offer of a contract so none has been breached and anyway the POFA limits any charge to the specified sum so your demand for £160.00 is nonsense. As VCS (Vehicle Control Services Ltd) has been spanked at court on this very same thing several times before I suggest that you discontinue this foolishness. Should VCS decide to continue then I shall be asking for a full costs recovery order for unreasonable behaviour and then seek damages for the breach of the DPA/ GDPR as per VCS V Philip, Liverpool CC Dec 2016. Even Will and John, the parking world’s worst solicitors seem to have got fed up with Simple Simon’s stupidity and greed and presumably that it why you are wasting your ink on his behalf.
  • Our picks

Mistermind

V-E Day: Victory over Egg

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3394 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

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Suggest go to the last page

 

 

 

Venicegondolasatsunset.jpg?t=1190149312

 

 

 

A legend has grown up that Egg always digs in, and nobody can beat the Egg. This is untrue, Egg have caved in time and again and offered full refund, but attaching a confidentiality condition each time.

 

All who have been offered full refund are invited to briefly describe their success. As postings will be under anonymous forum names this action will not breach the confidentiality agreement -- unless any legal eagle knows different.

 

The jungle of Egg threads have grown to such volumes that it is hard to keep up. Suggest this thread be used like a quick index to navigate to other threads with full details -- the sheer number of successes will encourage others being put through the same ordeal by Egg.

 

Egg is in retreat. Lets turn it into a rout.


 

 

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Yasmine won full refund.

Blackcatchillers won full refund.

Anyone else please?


 

 

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waynedear won today.

 

Sassylass won today.

 

FOUR - nil


 

 

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No offence to anyone, but if you let them attach a confidentiality clause to your settlement, you are letting them build that legend.

 

There is no reason whatsoever to let any bank attach any conditions to your claim. YOU are the claimant, THEY are the defendant, and there is no legal or moral reason whatsoever to accept them setting conditions to refunding you YOUR money.

 

Out of all the bank claims on my sig, all but one of them tried to impose confidentiality. I refused on every one of them. And got my money on every one of them.

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Mcuth won on 13th December 2006.

 

Fergal71 won on 28th December 2006.

 

CAG Claimants 6 - Egg 0

Bad luck comes in threes, but good news comes in sixes. :D


 

 

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Bookie is right as usual ;) they cant enforce it on you.

 

Hopefully Egg have posted out a full offer letter to me which will be waiting on my hall floor. I will not be accepting a confidentiality clause. :D


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Joa mentioned in his thread that Egg has switched law firms and now Egg appears to be falling into line, refunding like other institutions and no longer fighting to the last ditch wasting everybody's time -- cheers to all still going through the process.

 

Apparently Egg insists on a confidentiality agreement in every case, hence we have heard but a fraction of the success stories, without the heart-warming names and figures. No way can open secrets be covered up for long.

 

Message to Egg -- please pull your finger out of the dyke. The deluge is coming in spite of you.

Admanbo80 - won on 20th December 2006.

 

Johnnie Reclaim - won on 21st December 2006.

 

Joa - won on 22nd December 2006.

 

CAG Claimants 9 - Egg 0 icon10.gif


 

 

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i have claimed against several banks and 4 have tried t attatch a confy clause i do hope i will be the first to get payout without accepting the confy clause i am looking forward to seeing their confy clause

bring it on egg just try and break me if you can


SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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Angry Cat won on 30th December 2006.

 

CAG Claimants 10 icon10.gif -- Egg 0 icon9.gif


 

 

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With the greatest respect to you Mistermind, I have not won!

 

Egg have offered a settlement figure to me which is incorrect, bound by unacceptable terms. Therefore I am unable to accept Egg's offer.

 

The battle is not over in my case!

 

Mistermind, I can appreciate that by compiling a list of successful Claimants may provide great encouragement to others, but obviously the list has to be correct. Your statement: "Angry Cat won on 30th December 2006" is wrong, I have not won but simply been offered an amount of money.

 

As soon as the Courts re-open, I intend to amend my Claim and or, issue a further Claim against Egg.

 

No offence intended.

 

AC

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Thank you Angry but Polite Cat, there is no greater compliment to a thread than an inaccuracy pointed out by readers.

 

Painting an impression on New Years Eve, the ranks of the Allied forces are massed outside the Brandenburg Gate, and the lawbreakers are hiding and squirming in the underground bunker unable to face unconditional surrender.

 

CAG Claimants 9.5 icon10.gif -- Egg 0 icon9.gif


 

 

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----------------------------------

On a different note, I read in Betfair forum the following interesting posting re delaying tactics, i.e. having settled in other similar cases, what is the bank's intention in making as if it wants to fight another case -- apart from dragging out the process as long as possible, and intimidating claimants who are laymen at law!

Such blatant time wasting will not be tolerated by the court.

------------------------------

 

Neil Warnock AKA Colin ******

 

10 Jan 10:45

spacer.gifIn Lincoln, a district judge put on the orders the following

 

IT IS ORDERED THAT

 

The Court of its own motion is considering striking the Defence out as an abuse of process on the basis that it has settled all previous claims of this nature. If the Defendant objects to this course of action it is to file at Court within 14 days, a Schedule setting out a list of all claims it has pursued to trial and all claims it has settled.


 

 

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Is this a 4th case where this has happened at Lincoln, the other 3 being myself (kazzaw) v LTSB, mahatmacoate v LTSB & jodyperry v NatWest?

 

If this is a fourth case which bank is the claim against?


FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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Roll of Honour - full refund won from Egg:

 

.5th December 2006 - Yasmin

13th December 2006 - Mcuth

20th December 2006 - Admanbo80

21st December 2006 - Johnnie Reclaim

21st December 2006 - blackcatchillers

22nd December 2006 - Joa

28th December 2006 - waynedear

28th December 2006 - Sassylass

28th December 2006 - Feergal71

13th January... 2007 - Kazzaw....... (without confidentiality clause)

13th January... 2007 - KateandPete (without confidentiality clause)

 

..CAG Claimants 11 - Egg nil


 

 

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Hi,

 

I know some people were also trying to get their default removed. Has that happened to anyone who has won his or her case?

 

 

Thanks,

Hondamad


__________________

EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts

Monument CC: received statements, now need to send letters. . . !

BoS Current Account: Settled

Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!

 

:-D:p:D

This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales :D

 

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Yasmin is purusing Egg for removal of default tag. Search for threads started by Yasmin and you will find it -- a long one.


 

 

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Add me to the list - won without confidentiality!

 

Particular thanks to Mistermind, Angry Cat, Countrybake and Chris1978 for your help, and obviously to the owners of this site.

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18th January... 2007 - Schnide (without confidentiality clause)

 

..CAG Claimants 12 - Egg nil


 

 

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Hi Mistermind-

 

The following is the Egg Roll of Honour:-

 

Re: V-E Day: Victory over Egg

 

--------------------------------------------------------------------------------

 

Roll of Honour - full refund won from Egg:

 

.5th December 2006 - Yasmin

13th December 2006 - Mcuth

20th December 2006 - Admanbo80

21st December 2006 - Johnnie Reclaim

21st December 2006 - blackcatchillers

22nd December 2006 - Joa

28th December 2006 - waynedear

28th December 2006 - Sassylass

28th December 2006 - Feergal71

13th January... 2007 - Kazzaw....... (without confidentiality clause)

13th January... 2007 - KateandPete (without confidentiality clause)

 

..CAG Claimants 11 - Egg nil

 

Plus:-

 

18th January... 2007 - Schnide (without confidentiality clause)

 

Because my Court hearing is on Monday 29 January, I really need the Claim Numbers plus amounts & date of the winning Claimants!

 

I have trawled the Litigants Concluded forum and the only Egg Claimant showing that I can find on that forum is maroonfox5 that has had their Claim settled.

 

It would really help me and other future Claimants against Egg, if the County Court Claim Numbers plus amount claimed could be added to your roll of honour. Obviously, the members Claim Numbers, who accepted the confidentiality clause should not be added.

 

Angry Cat

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Dear pussycat,

 

With your hearing on Monday there is hardly much time left, and not everyone visits this site every day. To ensure making contact in time, I would have thought it best for yourself to send a PM with as much tact as urgency, to the 3 winners who were happy to make public their unconditional victory. Best of luck!

 

I have always got on well with cats, so am not scared of same.

But to the Egg I say: be afraid, be very afraid.


 

 

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It would really help me and other future Claimants against Egg, if the County Court Claim Numbers plus amount claimed could be added to your roll of honour. Obviously, the members Claim Numbers, who accepted the confidentiality clause should not be added.

 

Angry Cat

 

Here's mine:

 

KAZZAW V EGG

 

Claim number: 6QZ73946

Issued: 17.10.06

Court: MCOL

Charges: £300

Interest: £93.51

Costs: £50

Total Claim: £443.51

 

Transferred to Mansfield County Court. Bundle to be submitted by 18/01/07.

 

Received cheque for full settlement inc interest to 20/01/07, £451.79 on 16/1/07

 

Hope that helps AC. ;)


FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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And mine..

kateandpete vs. Egg

Claim number: 6WA02787

Court: Warrington County Court

Issued:16/11/06 approx

Acknowledged: 28/11/06

AQ's filed by: 08/01/07

Settlement in full sent on: 9/01/07

Total sum: £456.72 (of which £320 charges, remainder interest charged on penalties, 8% interest on both and...)

Court fees: £50


NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made

 

HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made

 

Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made

 

Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made

Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made

 

Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made

I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!

Tip my scales if you like my advice :)

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Possession may be nine points of the law,

but the tenth point has arrived -- repossession by bailiffs:

http://www.dailymail.co.uk/pages/live/articles/news/news.html?in_article_id=430129&in_page_id=1770&in_page_id=1770&expand=true#StartComments

Customer sends bailiffs in to seize bank's computers

Declan Purcell: Striking a blow for the customer

 

A man who was fed up with paying massive bank charges decided to give one of the high street giants a taste of its own medicine. When Royal Bank of Scotland refused to refund £3,400 charges that Declan Purcell believed he was owed, he sent in the bailiffs.

Stunned customers at his branch of RBS watched as debt collectors seized four computers, two fax machines and a till filled with cash. The branch manager was told that the items would be sold unless RBS came up with the money owed to Mr Purcell. Only when the manager gave an undertaking that the debt would be paid did the bailiffs leave.

Mr Purcell said: "I think the bank was pretty shocked when the bailiffs went in. But my view is that this is exactly what they would have done to me." The move, which will raise a cheer from millions of other bank customers, is part of a consumer fightback against bank charges, which net an estimated £4.5 billion every year.

Every time a current account customer goes overdrawn by as little as £1 most banks will charge around £28, even though the administration cost is only about £4.50. Then every cheque, direct debit, or card transaction that goes through or is bounced incurs another charge of up to £38. The Office of Fair Trading is investigating whether banks have implemented these charges unlawfully. The Daily Mail's Fair Play on Charges campaign and that run by the Consumer Action Group have helped thousands reclaim charges in the past year.

Like other customers Mr Purcell, 48, from East London, had warned his bank that he was prepared to go to court to claim back charges he believes were imposed unlawfully. In June last year he demanded the refund of £3,400 charges he accrued during the previous six years while running a motorcycle dealership. RBS ignored the claim so in October Mr Purcell filed an online application to get the money back through the county court.

 

After 30 days the bank had not responded and so on December 10 the court ruled in Mr Purcell's favour. It ordered RBS to pay the charges and £120 court costs. When RBS again failed to respond Mr Purcell got the court to give him a warrant of execution, allowing him to order debt collectors to reclaim items from the bank equal in value to the amount he was owed.

Finally on Monday, January 8, a team of debt collectors walked into the busy Camden Town branch in North London, demanded to see the manager, showed their court order and announced that they were repossessing items.

Mr Purcell, who now works for London Underground, said: "I was dismayed by the bank's reaction when I made my claim for a refund – it was so rude and arrogant. They thought they were above the law, so it is great to know that customers can use the law in the same way the bank does to get money they are owed."

A spokesman for RBS said: "We are looking into this as a matter of urgency, but early indications suggest that unfortunately due to an administrative error, the bank failed to defend the claim leading to a default judgment being obtained on the branch and a resulting warrant. "The confusion was cleared up at the branch."

Marc Gander, who set up campaign website Consumer Action Group, which helps consumers get refunds from their banks, said: "I am quite sure that Mr Purcell will not be the last person to send bailiffs in to his bank. The continued operation by UK high street banks of their unlawful charges regimes will see to that. "The heavy-handed debt collecting approach is something that the banks have been handing out to their customers for years. Mr Purcell simply gave them a bit of their own back."


 

 

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