Egg...

Knackered

My initial letter to Egg was a DSIR (or whatever it is, the thing where you claim under the DPA) asking for statements for both my credit card and loan accounts that I had with them. I sent them a cheque for £20 to cover the cost of both batches of statements.

They sent me the statements for the credit card and also a letter saying "you've paid us too much, where shall we send the surplus £10". I wrote back and told them what the 'surplus' £10 was for and what they should do with it.

Weeks down the line I sent my statements back claiming £200 (pathetic amount, I know) for my credit card, and prompted them to send the damn statements for my loan account.

I've heard nothing yet. Is there anything I can do to punish them for breaking the 40-day DSIR deadline by several months?

Knackered

I sent my letter demanding £200 a couple of weeks back and have today received a "We've received your complaint" letter.

Egg_letter wrote:

Re: Your Egg account

I'm sorry that you have had to complain to us.... yadda yadda yadda

We will do everything we can to resolve this with you as quickly as possible. Here are the timescales that your regulator, The Financial Services Authority, requires us to work to. In the vast majority of cases we resolve problems a lot quicker than this:

* We must acknowledge receipt of your complaint within five days
* If we are unable to resolve your complaint within four weeks of receipt, we must contact you and explain why. We will also give you and indication of when we will next be in touch
* If we are unable to resolve your complaint to your satisfaction within eight weeks of receipt, we must contact you again and explain why. You can then (or sooner if you do not accept our earlier solution) exercise your right to take your complaint to the Financial Services Ombudsman. You have six months from the date of our resolution to do this.

Thanks for letting us know about the problems you have experienced and for the opportunity to put things right.

At no stage do they ever refer to the nature of my "complaint". I'm not even making a complaint.

I assume this is just a stall-letter? After all, aren't I the one who gives the deadlines in this instance? Should my next course of action be to send the "You have not sent me a satisfactory response and I will go ahead with court action unless you deal with this within 14 days" kind of thing?

hughie278

MandyG wrote: »

hiya - wondered if anyone could help

we just got letters back from egg regarding us asking for all charges back etc

standard letter saying we signed agreement etc blah blah blah and if we were still unhappy we had 6 months to take it to the financial umbudsman

what is our next step?

on this forum it would be to threaten to take them to court

do we go ahead and threaten legal action or do we take it to umbudsman as they said?

thank you so much

xxxx

Im one step in front of you guys at the moment. I got my statements, asked for my charges back and got the first letter saying they recieved my complaint, then the second saying the charges are lawful etc.
I then threatened them with court, and the latest letter offers me the difference between £20 and £16, which turns out to be not alot at all.

There doesnt seem to be much help with egg on here lately, and im not sure they will crack (excuse the pun) if i file in court.

russbeck

Hi,

I got the same response from Egg. I was offered £16 from my claim of £260. I wrote to them saying will accept as part payment and that I had complained to Financial Ombudsman on 31/08. (I received the offer letter 2 weeks ago, after complaining to the Financial Ombudsman) Received a letter this morning offering the full amount plus interest. I didn't want to go through court incase it went pear-shaped. It took a little longer to get there but I'm glad I did it. The money will come in very handy for christmas.

Good luck.
Becky.

hopeneeded

hi guys

i wrote my second request for £260plus interest a fortnight again but have had no reply to it. I'm giving them til Wednesday next week, then I'm filing online with MCOL. I got £713.25 from Barclaycard this week, So i've even got my own fighting fund! lol

I'll let you know how it goes.


:cool:

Knackered

My quest against Egg continues tomorrow. Let me know what the situation is here.

Knackered

Knackered wrote: »

I sent my letter demanding £200 a couple of weeks back and have today received a "We've received your complaint" letter.



At no stage do they ever refer to the nature of my "complaint". I'm not even making a complaint.

I assume this is just a stall-letter? After all, aren't I the one who gives the deadlines in this instance? Should my next course of action be to send the "You have not sent me a satisfactory response and I will go ahead with court action unless you deal with this within 14 days" kind of thing?

Any ideas between your collective brains?

Knackered

I will be continuing this quest today. Reply at once or I'll have to go it alone. Again.

Edinburghlass_2

Please read Martin's article regarding claiming CC's here...

http://www.moneysavingexpert.com/reclaim/credit-card-charges

and you'll find the link to the ICO in the article if you have waited more than 40 days for statements.

Knackered

I already know how to reclaim charges, I've already done MBNA. I was after advice on my next step.

Never mind though. It seems using this place and working to deadlines are mutually exclusive.