Netyard Vs Egg Banking PLC (Default Removal)

[stan5131]

Net. have you done SAR to reclaim your charges? The best way of having a default removed is to do it at the same time as you claim back your charges. If you include this in your POC, then they are more likely to remove it and pay up to avoid going to court.

[stan5131]

Yes. SAR is £10. If this account went into default, there will certainly be charges that were applied. With interest, this will add up to a tidy sum. Even if its a small amount, it will give you a better advantage of getting your default removed. You file for both the charges and default removing and do NOT settle until you get both. They will not go to court over the charges so will be more likely to have to settle/agree the both in order for you to cancel court action.

 

If vodafone and ntl have imposed 'charges' on the account, then yes SAR them too. If not, then you need to tackle them another way.

 

Get SAR off to the others in the meantime. This is the best way to tackle the default. Also make sure you ask for a copy of the agreement and make sure you send them recorded and keep the receipts. You would be suprised how many claim not to have received if not sent by recorded.

[stan5131]

When you send SAR, send one for the credit card and one for the first loan and one for the second loan. Otherwise, they will just send you the info on the last loan only.

[stan5131]

You can use ref number for consolidation loan. With regard to other loan and credit card, put title: Credit card/loan and make the first paragraph "I had a credit card/loan with yoursevles from approximately x/200X to x/200X at (address) or (above address).

[stan5131]

Net, unfortunately, I would put three separate cheques in. An SAR needs to be made for each separate account. They have 40 days in which to comply and the clock does not start ticking until they receive the £10. Dont give them any opportunity to delay.

 

I have also known some to reply sending the cheque back saying that they dont make a charge for this service. You may be lucky. Although I've not heard of this with Egg.

[stan5131]

This advice was given on experience my friend had with Abbey. She had 3 accounts, 2 bank and one mortgage. They wrote back to her asking for another £20 for the other two accounts.

 

Turnaround may be right. You can try this and see what happens.

[stan5131]

Quite right. In any event, most people are claiming their £10's back with their court fees. I think that sometimes its not worth the delay, just incase they argue the toss!