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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Martin v. Egg Credit Card


killing_the_egg
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Jus sending my DPA request today. I am owed money by the Halifax bank and credit card too but Egg seem to be the most difficult and they also put a default on me due to excessive charges so its them first! I HATE THEM!

 

Wish me luck. Bring it on!

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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DPA request recieved by egg by recorded delivery 16/6/06.

I changed address recently after being at uni so hope they dont ask for more security to check my address to slow the process up. We shall see.:)

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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  • 3 weeks later...

Recieved a letter off egg on the 30th June, redirected from my old address which was strange, as they had sent me stuff in the post since changing address, saying they need proof of my address. However, my mam checked her bank and they had cashed the £10 dpa cheque immediately after recieving it. I rang them and told them the 40 days they had started when they cashed the cheque as they have my address and should not have charged me already if they did not have all the relevant information. I think I was right in doing this and surprisingly the man on the phone was very cooperative and agreed so wuhoo. So 40 days from the 19th June thats Sat 29th July unless its working days, ill check the faq about that. Cheerio.

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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  • 3 weeks later...

DPA Countdown >>>>> 10 days to go

 

In the last post I reported that Egg had been cooperative on the phone, I thought that would have been an end to the address problem, no such luck. I have since had to contact them twice more to get them to change my address as they were still sending post to my old address and my internet banking address had not been changed. Twice more they have told me they have ammended it. We shall see.

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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Only 4 days to go and still no statements. They rang me a while back and the lady I spoke to e-mailed the department involved to remind them of the time limit so they know the deadline. Think Im gonna ring them to see whats going on.

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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Good Luck Martin-

 

When they eventually sent mine they were cut of on the left handside so that none of the transaction dates were readable. Three statements were missing!

 

I complained and Jenny Gordan who wanted me to send back the 128 documents in a small envelope that one would probably only get 4-5 statements in-But of course, if I had returned them, I would have lost my proof!

 

Humpty Dumpty really does need to be pushed off the wall-

It's a Rotten Egg

 

However Martin, just keep on going:)

 

Angry Cat

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Well they have 3 more days.

I actually managed to get a direct number for the London Head Office and have spoken to Jenny Gordon yesterday. She didnt sound too happy that I had got hold of her. At least I can pester the same person everyday now. Im sick of being conflicting info by different people. Yesterday I was told my DPA request and cheque had not been recieved which is utter rubbish. Because of this no action has been taken to retrieve my statements. Jenny is apparently ringin me back today after she has looked into the matter. Whats annoying is there doesnt seem to be any comeback on the bank for not complying with these requests, their getting away with doing this to everyone. Im going to ring her now to see whats going on. Ill let you know what she says.

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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Attempts to ring Jenny Gordon

10.50am Not in office

11.30am Not in office

12.22pm Not in office

12.24pm Not in office

And she still hasn't attempted to call me back.

 

I had been told yesterday by a helpful call centre worker that the woman sorting my stuff out is actually:

Elaine Elwell

Data Maintenance Team

Egg Point NOrth

Waterfront West

Brierly Hill

West Midlands

DY5 1LU

This is the Dudley Office and I was told after much caffuffle that she and her department apparently dont have phones and so cant be contacted.

However, I have just got a direct number for the reception at the Dudley office. I have just rang but the receptionist is on break till 1 so will try again then.

 

If anyone has had any dealings with :

 

Jenny Gordon

or

Elaine Elwell

 

and would like to get in touch with either of them direct contact for their office are as follows :

 

Jenny Gordon

London Head Office

(020) 75262500

Just ask the receptionist for her and she'll put you through.

 

Elaine Elwell

Dudley Office

Dudley Reception Number:

(01384) 264330

If you ring between 12 and 1 you get put through to Veronica at Derby (nice lady but no help)

You want to speak to the receptionist Lynn who can put you through to who you want to talk to.

 

Hope some of you find this info useful and can pester the life out of these people who arent sorting out our problems.

 

Also if you wanna speak to a really helpful call-centre bloke who will tell you it exactly as it is, ring : 08457 000 775 and ask for Matthew Timmins on Extension 14514. He's on his dinner between 12 and 1 but he's the only person Ive spoke to that hasn't tried to fob me off and he gave me his extension so i could ask for him again.

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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I have had a phone-call this afternoon off Egg saying they are giving my statements top priority and they WILL be here at the weekend.

The lady who rang me was :

 

Louise Wiseman (Complaints Account Consultant)

Direct Contact : (01332) 335767

 

As she is the complaints consultant maybe this is the person to pester with your complaints!

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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Recieved my statements today (Day 40). It seems the phone calls to Jenny Gordon may have done some good. Might not have a chance to look through them properly today as they are a lot more confusing than the others I have recieved, many screen shots etc. From a quick flick Id guess at a figure of about £200 in charges.

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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  • 3 weeks later...

Well Ive put it off long enough!

Been watchin the (slow) progress of others and it kinda put me off a bit BUT NOT ANY MORE. I wanna be part of the egg-bashin team too! Just writing me prelim but may not get it sent off till friday as Im off house hunting for the day tomorrow.

Egg Credit Card - Data Protection Act sent 15/6

Recieved Statements 29/7

Halifax Credit Card (£775) - Data Protection Act handed in at branch 21/6

Recieved statements 25/7

Prelim sent 25/7

LBA sent 14/8

MoneyClaim Filed 6/9 (£916.94)

Halifax Bank Account (£430) - Data Protection Act handed in at branch 21/6

Recieved Statements 27/7

Prelim sent 27/7

LBA sent 16/8

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Hope your house hunting not too exasperating, also your egg claim:D Good Luck

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Oh they do like to make thigs difficult, they've got me pulling my hair out already!! Only on my prelim, god knows how it'll get when we get to the MCOL stage.

 

Good luck

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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