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Can we claim for their charges if they £16?

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Hi,

 

Egg seem to think that they are allowed to charge £16 as per the OFT's ruling - is this correct? Also, what about the other lenders? Can we calim for their charges if they are £12?

 

Any comments greatfully recieved!

 

Thanks


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Hi,

 

Egg seem to think that they are allowed to charge £16 as per the OFT's ruling - is this correct? Also, what about the other lenders? Can we calim for their charges if they are £12?

 

Any comments greatfully recieved!

 

Thanks

 

 

Hi I believe that Egg managed to get dispesation from the OFT to allow them to charge £16. However the OFT ruling for Egg and all others only states that they will taken action if their charges are above £12/£16. You can still argue that these figures are not a true reflection of the actual costs and therefore reclaim them. I have already recieved a £12 refund from Capital One.


 

 

 

 

 

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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Thank Lively Lad and happy new year!! :)


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Hi I believe that Egg managed to get dispesation from the OFT to allow them to charge £16. However the OFT ruling for Egg and all others only states that they will taken action if their charges are above £12/£16. You can still argue that these figures are not a true reflection of the actual costs and therefore reclaim them. I have already recieved a £12 refund from Capital One.

 

Just had a thought - is there a way we can get hold of the "bulletin" the OFT issued to the lenders? What about a Freedom of informationr equest etc?

 

Cheers for your help.


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Guest Battleaxe

UnIboy,

 

We keep claiming back the £12.00 charges with interest from Capital One regardless and what is more they are refunding them.

 

Until egg disclose their actual costs all the charges are unlawful.

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Thanks Battleaxe - I issued my prelima and LBA a few months ago now but couldn't get around to issuing MCOL.

 

I guess I need to start the whole process again now? Plus, tehy ahve charged me recently so I will.

 

Are they starting to pay out now, or are they still making everyone go to hearings etc?


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Guest Battleaxe

A & L took us to the wire, we had toi issue and N1, they then said they were going to defend but a week later I got a cheque for the first claim.

 

Capital One now refund when I send the a recorded delivery letter saying they can remove the charge or it's to Court we go.

 

Egg might make you file before giving in. What have you got to lose?

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A & L took us to the wire, we had toi issue and N1, they then said they were going to defend but a week later I got a cheque for the first claim.

 

Capital One now refund when I send the a recorded delivery letter saying they can remove the charge or it's to Court we go.

 

Egg might make you file before giving in. What have you got to lose?

 

Thank for this. It's given me a bit more confidence!


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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