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    • Thank you so much for heads up.
    • Thanks DX - I wondered about the blacked out bits. That's their doing not mine obviously.   Attached is the exhibits part of the bundle. Sorry about this, no matter what I compressed the whole thing down to I got the oversize message, even if the filesize on my computer was showing as well under 4.8mb   The_exhibits-compressed.pdf
    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known. I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
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phatram

Phatram v EGG **WON**

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S A R being sent today.

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Does anyone know what Eggs unauthorised rate is?

I cant find it anywhere !!

Thanks

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which unauthorised rate are you talking about??

their charges? apr???

 

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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What they charge if you go overlimit

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well for me it was (in 2004/05)

 

Over limit Chare =£20

Unpaid DD =£20

Late Charges =£20

 

 

I believe that now they have changed it to £16 for everything after the OFT report.


__________________

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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Sorry I meant what unauthorised % interest rate on credit card

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Hmm . . .

 

I think the %interest is same as your regular interest, just that now it is been applied to the unlawful charges as well.

 

I had a look at egg's t&c it states

 

7. CHARGES

 

7.1 If you break the terms of this Agreement we may charge you the following, where relevant, to cover the additional cost caused to us:

 


  • £16 each month you go over the Credit Limit, even if we authorised the Transaction which resulted in you exceeding the Credit Limit;
  • £16 if you do not keep up the payments on the Account;
  • £16 for any payment returned or recalled for any reason;
  • any costs and expenses reasonably incurred by us as a result of your breach of this Agreement.

It dose not mention any different interest rate being applied, hence i presume it is same as your normal rate.

 

if you wanted more on egg's t&c here is the link. . .

 

Egg Card credit agreement


__________________

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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When you receive your proper monthly statements, they will show items

 

"x.xx % monthly purchase interest"

"x.xx % monthly cash (advance) interest"

 

The rates fluctuate, have been as low as 1.16 %, I believe it's gone over 2 % now. For cardholders who have paid off their purchases, whose entire balance is made up of unlawful charges, then ALL the monthly interest is Contractual Interest -- unlawful interest and reclaimable for being accrued on unlawful charges.

 

GL.


 

 

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Egg have sent me a questionaire, saying I have to fill it in for them to comply with SAR, anyone else had one of these?

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This questionnaire is a recent thing, reported by others. Egg asks if you want a truncated version for £5 or the full monty for £10.

 

Full Monty best, as you need to be sure nothing has been accidentally left out, and you need full info including fluctuating monthly interest rates, if you intend reclaiming the Contractual Interest that was actually taken from you.


 

 

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SAR complied with, all info arrived today.

Credit card statements show card repayment protector charged for two years then stops, then starts again, and then stops.

No proof I ever asked for this so its on the spreadsheet with a few overlimit charges.

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Hi - sorry to hijack your thread but no-one seems to be answering mine - can you claim back the £16 overlimit charge or not?

Please advise.

Also if you can where do I find the letters to request copy statements etc. (the egg forum is not as straightforward as the Lloyds TSB one or it may just be that I am snowblind from having been on that forum for so long!)

Any advise please!!

Thanks

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Not heard a thing

LBA day tomorrow.

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Just back from hols, letters from Egg, will post them later

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Dear Mr XXXXXXX

Re: Request for repayment of charges - Account number

Thank you for your letter dated 5tri July 2007.

1. Your Credit Card agreement ("the Agreement") with Egg Banking pic ("Egg")

clearly states that charges will be added to your account if you exceed your

Credit Limit or fail to make your contractual payments, In accordance with

condition 7 of the Agreement, a charge of £20 (or since August 2006, a reduced

charge of £16) has been added to your account each time you exceeded your

Credit Limit or failed tc make a payment.

2. You allege that these charges are a penalty. You have put forward no

evidence to support this allegation and we do not accept it. As explained in our

previous letter, the charges set out in the Agreement are a genuine pre-estimate

of the loss caused to Egg when a customer breaks the terms of their Agreement.

3. You may have followed recent media coverage of the Office of Fair Trading

(OFT) investigation into default charges. The OFT stated that a default charge

could only be used to recover certain limited administrative costs. These may

include postage and stationery costs and staff costs and also a proportionate

share of the costs of maintaining premises and IT systems necessary to deal

with defaults. The OFT set a threshold for intervention of £12 but stated that

default fees should not be equivalent to the threshold. The OFT stated that the

presumption of unfairness in relation to charges over £12 would NOT apply

where exceptional business factors apply and specifically referred to Egg's

practice of requiring ail customers to pay the minimum monthly payment by

direct debit as an example. The OFT acknowledged that in those circumstances,

a card issuer may be able to set a fair default charge above the threshold of £12,

4. Following the conclusion of this investigation, the OFT indicated that it would

not proceed further against Egg on the basis that Egg reduced its charges from

£20 to £16. Without any admission in relation to the previous level of charges,

Egg has reduced the charges accordingly. This reduction does not apply

retrospectively, but in your case we are prepared, without any admission of

liability, to apply the reduction to the £20 charges. If this is acceptable to you, we

will credit your account with a total of £20.00 being £4 per default charge

applied to your account, on the basis of 5 defaults.

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5. The above offer is available for 14 days from the date of this letter after which

it will be automatically withdrawn, An Acceptance form is enclosed for you to

sign and return, together with a pre-paid envelope for your use. You should retain

the second copy for your records.

6. Your claim for Credit Card Repayment Protection will be looked at separately

and we will be in touch about this shortly.

7. If you have any concerns relating to information held about you by a Credit

Reference Agency you should contact the agency directly. Egg uses the

following agencies:

a) Equifax (Equifax File Centre, PO Box 1140, Bradford, BD1 5US)

b) Experian (PO Box 8000, Nottingham, NG1 SEX)

c) Call Credit (1 Park Lane, Leeds, LS3 1 EP)

If there is anything in this letter that you wish to discuss or needs further explanation, please don't hesitate to contact me using the contact details at the side of this letter. Alternatively my direct number is 08007 834 393 .

You now have six months from the date of our resolution to take your complaint to the Financial Ombudsman Service - further details are available on www.financial-ornbudsman.crg.uK. A copy of their leaflet is available, so please contact us if you would like one sent to you.

 

 

 

sincerely

 

 

 

Gugu Dlamini

Customer Relations Adviser

Egg pic

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This is a standard template letter received by all charges and interest reclaimants. When a moc1982 template letter bounces back, to my knowledge Egg invariably offered to pay in full, often by return of post.


 

 

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See moc1982's winning thread in V-E Day index of winners.


 

 

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Egg have offered 122.94, I'm claiming a total of 196.04.

They have offered 100.00 in charges (all) and 8 % but I want the 22.9% they've charged me for overlimit fees. I have 14 days to accept.

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