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Should i try and reclaim?


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I have just sent off SAR to Alliance & Leicester, HBoS & Capital one, you can all trace my plight on the relevent pages!

 

Not sure whether to go for Egg though?!?

 

I had an Egg card and started to run into trouble when i split from my Mrs in 2003. At the time i had run up to and just over my limit and the charges that followed started it snow balling, anyway to cut a long storey short i defaulted. The debt was sold on to FT & C and i finally cleared it January 2006. Is it worth pursueing Egg for the charges i had impossed upon me back then? I gather from the threads i have read that Egg are particulary stuborn and have a rather hard shell!!!

 

All comments greatly appreciated!

 

Matt

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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I have just sent off S.A.R - (Subject Access Request) to Alliance & Leicester, HBoS & Capital one, you can all trace my plight on the relevent pages!

 

Not sure whether to go for Egg though?!?

 

I had an Egg card and started to run into trouble when i split from my Mrs in 2003. At the time i had run up to and just over my limit and the charges that followed started it snow balling, anyway to cut a long storey short i defaulted. The debt was sold on to FT & C and i finally cleared it January 2006. Is it worth pursueing Egg for the charges i had impossed upon me back then? I gather from the threads i have read that Egg are particulary stuborn and have a rather hard shell!!!

 

All comments greatly appreciated!

 

Matt

 

Yes claim as normal, theyb are paying up the same as the rest. they paid me in full last week. :)

 

 

 

 

 

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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Cheers Livelylad

 

Will get the SAR ready tonight and in the post tomorrow, i suppose nothing ventured nothing gained!

If you get a chance can you have a look at my thread Matt-man v A & L if poss, i kinda did things the wrong way round and it'll be good to know from an experianced bank robber if i should skip any stages as i've been in corrspondence with them already???

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Good luck - I had a similar situation with egg and am in the middle of my claim

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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Hi Holly

 

How far are you with your claim?

 

Matt

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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I have just sent my LBA

 

I received an offer on the back of this offering me £4 per charge.

 

Gonna accept in partial settlement and file MCOL next thursday

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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lol,

 

well best of luck!

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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you too honey am sure it'll go just as smooth

 

anything you need then just yell

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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Will do.

I have a few cases on the go at the mo as well, A & L, HBoS, Cap 1 & RBS.

Who do you reckon will pay out first?

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Capital One is the only one I have gone for out of those and they were very quick to pay me in full once I had filed MCOL.

 

I have had full pay outs from Cap One and Halifax and I have a court date with barclays of the 29th March.

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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Well i still have all the statements for the RBS one so sent the prem letter today, from the threads i have read they seem to buckle dead quick, even after the prem letter so fingers crossed!

 

My prediction is

RBS pay out first

HBoS next

A & L then but will go to the wire

Cap 1 after, then

Egg last

 

Fancy a bet? LOL

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Quick question.......

 

On my Halifax claim i have a DRA chasing me for my default from 2003 and someone told me to send the letter requesting a copy of my CCA which i downloaded from the libary and did. Now if they can't supply it they have to wipe off the debt.

 

My question is....With the Egg scienario i actually paid off that DRA last January. Can i ask them for my CCA and reclaim the money i paid them last year if they can't produce it?

 

Cheers

 

Matt

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Bump....anybody?

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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