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    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   So, after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.  Its not a chargecard, but a Nectar Credit Card with them. Took out 2016. Balance is just under £15k as of today, was almost at £17k. Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly.  Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space.  3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...  Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet. Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assit. Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update. Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldnt have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldnt afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is mininum they can possbily accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can basically keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, your not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisifed i was with general customer service and felt they were incompentant, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS.  Opened a case with FOS... Have basically sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really strugglling. After I got paid on 1st APril, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a viscious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending? - Stopping interest - I've read something on FCA site that they reccomend (not policy) that if a customer is put onto a payment holiday then they reccomend freezing interest for customer so the debt doesnt continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?  - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them? - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreicated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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V-E Day: Victory over Egg


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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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  • 2 weeks later...
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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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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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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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  • 2 weeks later...

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

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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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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