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    • They are very nonsensical aren’t they? As far as I can tell they have no proof of ownership of debt whatsoever - it feels like they’re just hoping I cave in 🙈   I’ll get onto the CRA’s now - thank you 😊 
    • Thanks ...okay well as you are already aware you will get more sense out of your bin than talking to Arrow...so I would now escalate it by informing the Credit Reference agencies and submit a Notice of Correction ( each CRA has its own instruction's on how  to submit) and they will contact Arrow asking for details of the debt....if that fails you can contact the ICO (information Commissioner's Office) and raise a complaint re false data reporting.     See how you get on.
    • I have a sense that you haven't been reading around because if you had been you would have seen lots of draft particulars particulars of claim and lots of explanation about what is necessary. Are you familiar with all the arguments? Are you familiar with all the steps needed to take a small claim in the County Court? Maybe you should hold back for a day or two while you do some serious reading on this forum. We've got all the information here. We got the benefit of the experience of lots of people doing exactly what you are trying to do. If you stop for a moment and do the reading around you will feel very confident and empowered   I'm afraid this also confirms my view that you simply haven't done any reading at all of the sub- forum. This point comes up again and again with Hermes and there is a very simple answer to it which I have repeated in other people's threads so often that I don't think I'm going to go into it again here. Please spend the next day reading and you will soon find the answers to your questions. Once again, it will make you more confident and more empowered
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      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.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

egg.**SETTLED UNCONDITIONALLY **


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Hi guys,

 

I'm just in the middle of a cliam with HSBC, and came across this forum. I have read through the Threads and sent a DPA disclosure through Secure Messaging (SM), here's what I sent:

 

_________________________

Please accept this secure message as proof of my Identity, as your whole business is dependant on the security of this website and this messaging service, I would be concerned if you asked me to provide further Identification of myself in any way.

 

I would like you to consider my following Data Protection Act disclosure request:

 

Please supply me with a complete list of transactions and charges relating to my credit account since its inception. Alternatively, a complete set of bank statements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I understand there is statutory maximum fee of £10, if you require this payment please feel free to debit my card with this amount only.

 

You have 40 days from 13/06/2006 in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee.

 

Please note that the address on my account is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

I require that all correspondence sent is full, complete, accurate and completey legible or I will consider it a breach of this request.

_______________________

 

Obviously, it wasn't set out with the paragraph spaces in the SMbeacuse of character constraints, but I thought it would be easier for you to read like it is.

 

What do you reckon?

 

We'll see what happens and I'll keep you all posted!!! ;)

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*

 

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Just to keep you posted, Egg have sent my a new SM stating they will send me a DPA disclosure form to fill in, should be fun!

 

I'm a bit confused/concerned now though, because reading through this particular forum, has the OFT ruled that Egg, for some reason are able to charge these amounts?

 

Please can someone clarify?!

 

Thanks

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*

 

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*bump*

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*

 

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I was wondering about the Egg charges; the OFT report specifically praised Egg for their approach to charges.

 

Not sure it changes anything though; if they are unfair, they're unfair and you should be able to claim them back.

 

Would be interested to see what happens - I've got an Egg card on my list "to do".

 

 

Good luck!

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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lol, well i'm gonna get through Egg as ap - just sorted HSBC one out, but they dragging.

 

Just waiting on Egg's DPA letter form thing then shall send that off!!

 

Will keep you posted!

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*

 

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Egg sent me a letter asking for the £10 and just to sen ID, no form to fill in.

 

I'll send the id info they want, so much quicker than arguing over a bank statement!!

 

Keep you posted.

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*

 

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  • 3 weeks later...

Well, just to confirm Egg ahve taken my fee and sent me a lette saying they will forward all info on. Can't wait to get all the info I need though. I'm just concerned that they seem to be taking people to court now and also closing the accounts.

 

I'll keep you informed!

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*

 

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  • 2 weeks later...

Hey guys!

 

I sent them the ID, because I couldn't be bothered fighting it!!

 

Anyway, again they said that the 40 days started from the date of the letter. I sent a SM back stating that it starts from when they got my letter, which I had proof of because I sent it recorded, as the paymenjt was included and they had cashed the the cheque.

 

I got a reply saying that there would be 2.00 pound for making payments by cheque.

 

Is ent another back saynig that their reply made no sense and didn't relate to my original SM. so, the same person replied, apologising for the error and confirming that I would get my informaiton within 40 from the date his department received the letter.

 

So, I sent another SM back saying I was surprised that they don't know the DPA and referred them to the its terms, which state that the 40 days start from the date they receive the request AND payment. Since I had proof of these, that would be the date. I also explained that I knew they would send me the info in plenty of time so the deadline date would be irrelavant, but advised them if it's not received within MY timescale then a DPA LBA will be sent to them.

 

I got a reply from one of the managers saying that all fo her staff were fully trained on the DPA and that she confirmed that I would get all my info within MY timescale, the 40 days starting fromtwhen they received my letter!!!

 

Just so they know I'm boss!!

 

Oh, they didn't mention anything about manual intervention, so Is ent them an SM asking for a reply tot hta paragraph.

 

So, we'll see how/when they reply.

 

I'll keep you updated.

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*

 

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Ok, so I have read taht Egg are counterclaiming and have mentioned about manual intervention. I have sent them a SM askingfor their reply to this paragraph, only to get a horribly tones one back saying that they do have until August to get my data to me blah blah (total unrealated to my original request)

 

I have sent them another asking for a reply to it. If I don't get it then I'll send them a letter asking for a reply, like I had to with Co-Op.

 

They don't like me, because I'm making them admit I am in the right and the information they have been giving me is not!! think they will close my account!

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*

 

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I got a reply fro the alst SM about the manual intervention, which goes like this:

_____________________________

I can confirm that we don't action anything on an account without notes applied to the records.

 

There has been no manual intervention unless documented in your records.

_____________________________

 

Sent a reply reminding htem that I have asked fro disclosure of all notes and instances relating to manual interventi on!!

 

I want to be completly prepared if they want to counterclaim etc!!

 

This will get interesting!

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*

 

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How incompetant? I received this SM from Egg in response to the last SM sent them asking them to confirm that they are aware I asked for all notes about me:

 

__________

I've been informed the department dealing with this request have until 18th August 2006 to issue you with a Data Information Subject Request.

 

Any further assistance, feel free to contact me.

 

Regards

_________________

 

So, I sent them this back:

 

________________

Hi,

 

Thanks for the information however I am aware of the date and this is the third time I have asked you to confirm information and your reply has had nothing to do with my original request.

 

My last secure message was this:

___________________________

Please can you confirm that your DSIR team are aware that I require a copy of all notes relating to manual intervention on my account as well? This was included in my original request.

___________________________

 

It mentions nothing about timescales or anything like that, just that I require confirmation that they are aware my request includes all notes and manual interventions.

 

I am really shocked that this is at least the third time I have asked for something and received an anser from EGG which is completely irrelevant.

 

Please can you supply me with an answer to my original request, which is in between the lines above. I am confident that the information requested will be sent to me by the 18.08.2006 and this is no longer and issue!!!!

 

Thanks

___________

 

I'm so fed up, I have asked them for things and they just ignore me and give me completely wrong answers!!

 

I don't have it though. I have decided that I am going to write everything on here now for those people that need some confidence. Let me know if you think it would be worth it? At the end of the day, thesee EGG forums don't seem to be watched that much but if people are following my thread then I'll gladly type everything on there to 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*

 

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Update as promised. I just received this SM from egg in response to the manual intervention one I sent above:

 

______________

I can confirm that all notes relating to manual intervention on your account will be included and sent to you as well.

 

You'll receive all this information in the correct timescale.

 

Thanks for your message.

_____________________

 

Ah well, no apology for their incompetence or not answering my original questions, but hey - at least I know I'll be getting all info I asked for!!

 

Hope this helps!

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*

 

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Oh tell me about it - it's funny how they think they know what they are doing though, eh?

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*

 

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  • 2 weeks later...

Right guys, I received my full information on the last day it was due (oh, please!) and totted it up and they owe me £160.00. so, prelim printed and going monday!! :)

 

Will keep you informed!

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*

 

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  • 3 weeks later...

I sent my prelim to Egg yesterday, should get it Tuesday 5th - sent it recorded though, so i'll know. forgot to say charges with regards to overlimit etc, sent the going over overdraft and dd's, lol - nevermind. will see what they say.

 

I will post their replies

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*

 

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Oh, don;t you worry - I will keep at it. I've gained so much confidence form this forum and I will not and do not let them get away with treating me like this!!

 

I will check online delivery checker thing tomorrow to check they've received the letter! I'll keep you posted.

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*

 

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Just keep on Going...un1boy!!! Just remember, that there are a 'lot' of people/consumers, out here on the BAG/CAG that are behind you - There is always more strength in numbers. Best Angry Cat- mew mew mew:) prrrrrrrrrrrrr X

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hehe, thanks Angry cat. I am checking later that it's all been received - will keep this thread up dated every inch of the way!!

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*

 

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OK, well, prelim received by Egg 05/09/06 - clock is ticking. I was thinking though, when is it they counter claim for the balance - once the MCOL has been issued? Does anyone think it's wise to just pay the balance off - take away their counterclaim then, eh? What other things have they been doing as counterclaims/stalling tactics?!

 

Also, if they want to close it - I'll contest it as it's against the baking code and UTCC!! Hehe, bring it on!!

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*

 

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*bump*

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*

 

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  • 2 weeks later...

Well, the deadline for my Prelim is today - preparing LBA to send tomorrow in case their reply is waiting for me when I get in!!

 

OK, well, prelim received by Egg 05/09/06 - clock is ticking. I was thinking though, when is it they counter claim for the balance - once the MCOL has been issued? Does anyone think it's wise to just pay the balance off - take away their counterclaim then, eh? What other things have they been doing as counterclaims/stalling tactics?!

 

Also, if they want to close it - I'll contest it as it's against the baking code and UTCC!! Hehe, bring it on!!

 

Also, any ideas on the above?

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*

 

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They'll counter-claim after the MCOL bit (otherwise they'd have nothing to counter claim against). As for you're other questions, i'm not sure, sorry

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Thanks Laffar - is it usual to not hear anything from them after the prelim?

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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  • dx100uk changed the title to egg.**SETTLED UNCONDITIONALLY **
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