EGG MONEY card

kuohu

smithja wrote: »

annoying to you, or annoying that they are messing me around?

The latter obviously.

smithja

Sorry kuohu, I am not feeling at my best at the moment and as you can see my typing and written English is in my brothers words "shocking".

It does not say explicity that they have to take disability income into account, however, it states you cannot treat a disabled person differently from a non disabled person. The reason Egg gave me was "we dont take DLA as income, because you can lose it at anytime", I should have mentioned that earlier.

The person at Egg reviewing my application has a better chance of getting fired and losing their income than I have of recovering and losing my DLA (unfortunately). Anyone can lose their income at any point, for a variety of reasons. Therefore, they are discriminating against me because they are treating me differently than a non-disabled person who could also lose their income at any point. If you google it and look at I think it is section 19 it describes it in detail. I hope that makes sense, I am getting tired about to turn this thing off for the night.

smithja

another analogy my last one you will be glad to hear.

A lot of people think the act is about fitting ramps for wheelchairs and hand rails so that those that are frail can move around better. It's actually about much more and there is a "spirit" to the act.

What Egg are telling me is the same as saying, we are not discriminating against you because you cant walk we are discriminating against you because you are in a wheelchair and it wont fit through the door. (I know its not a good example in light of my first point). But the thing is the DDA does not just apply to physical alterations, it applies to altering the way goods and services are provided too so that they fit the disabled person and are "equal" to those offered to the non-disabled.

smithja

I have pasted the relevant part of the act below. A lawyer told me to put it to Egg like this.

Person A, disabled, has an income of £14,000 after tax from benefit, has a good credit record.
Person B, not disabled, has an income of £14,000 after tax from earnings, has the same credit record or one less favourable (I know this is subjective, it is presumed both individuals are being rated using the same score card and the disabled persons income is taken into account in the same way as the non-disabled person).

I think I have edited this three times now.

Egg stated "we wont take your DLA as you could lose it at anytime". Problem is because person B could also lose their income at anytime, it is then discrimination. If they simply said sorry we dont take unemployed people that would be fine.

They would also have at some point in the past had to have provided someone non-disabled with the same income and credit record, with credit, before it was discrimination. In this case it could really be anyone, but the point I made to them was, you said to me I could lose my income at anytime so thats why you are declining me. Therefore, I take it you dont accept applications from people; working as temps through employment agencies, on fixed term contracts, or who have a serious illness, etc. As they also could lose their income at any point. As papacool said when he started this thread that I have hijacked, when I mentioned this the answer was silence.


PART III
DISCRIMINATION IN OTHER AREAS

Goods, facilities and services
Discrimination in relation to goods, facilities and services. 19. - (1) It is unlawful for a provider of services to discriminate against a disabled person-

(a) in refusing to provide, or deliberately not providing, to the disabled person any service which he provides, or is prepared to provide, to members of the public;
(b) in failing to comply with any duty imposed on him by section 21 in circumstances in which the effect of that failure is to make it impossible or unreasonably difficult for the disabled person to make use of any such service;
(c) in the standard of service which he provides to the disabled person or the manner in which he provides it to him; or
(d) in the terms on which he provides a service to the disabled person.
(2) For the purposes of this section and sections 20 and 21-

(a) the provision of services includes the provision of any goods or facilities;
(b) a person is "a provider of services" if he is concerned with the provision, in the United Kingdom, of services to the public or to a section of the public; and
(c) it is irrelevant whether a service is provided on payment or without payment.
(3) The following are examples of services to which this section and sections 20 and 21 apply-

(a) access to and use of any place which members of the public are permitted to enter;
(b) access to and use of means of communication;
(c) access to and use of information services;
(d) accommodation in a hotel, boarding house or other similar establishment;
(e) facilities by way of banking or insurance or for grants, loans, credit or finance; (f) facilities for entertainment, recreation or refreshment;
(g) facilities provided by employment agencies or under section 2 of the Employment and Training Act 1973;
(h) the services of any profession or trade, or any local or other public authority.

smithja

If you still think I have misinterpreted the law and been given duff advice, please let me know. Just from the above to me it looks clear (but I am not a lawyer), they cannot treat me in less favourable terms which is what they appear to be doing. Cheers. James

mrmajika

I work for a high street lender. Our lending regulations state that we cannot take non permanent state benefit into account when assessing income.

This usually covers income support etc. In most cases, to the best of my knowledge, disability living allowance can be taken into consideration. It could be that the telephone adviser has mixed up the various types of benefit.

smithja

Yeh, I think so too. Recently Barclays, LloydsTSB and the Clydesdale Bank have all surprised me by knowing that it should be taken into account. I never had to raise the issue with them, they asked me about my benefit and said "is it DLA?" and when I replied "yes", they said, "oh that is fine Mr Smith". I wish Egg had been as up on the law as these companies, the day after I first mentioned discrimination to them I got a guy calling me sounding in a complete panic assuring me I was not being discriminated against because I was disabled, it was because I was on disability benefit. I tried my best to explain to him how the DDA works, but he was not interested.

swayze

papacool wrote: »

Tried to get this up and running on the web.... UH UH! Had to phone a 0845 number. They wanted to go through the application by phone.. the call would last from 20 to 30 minutes. I agreed if they would phone me back. They did! Then it started. Every sort of question... except my shoe size [which I gave, just in case the missed it], You name it... I'm sure he asked it. After 45 minutes he said he would do a credit check and get back to me in 30 minutes, which he did. We originally asked for a credit limit of £2,000, being based on our joint income. When he got back to me, he said he would have to discount my wifes income. So, we could have a credit limit of £500. I asked what would happen if I went over the £500 limit... how much would I have to pay Egg for the honour of over spending?..... The SILENCE was deafening... no reply. So I declined the card. We've had credit cards for years and clear the balance every month.. my credit is excellent. I could have a higher credit limit, IF I transferred my high interest bank account to EGG. In doing this I would lose 1.5% interest. His response to my decline of the card was ... so are you sure you don't want to transfer you money to Egg and get our card... we will increase your credit limit? NO! So, I take it that you want to forget this application? YES! Well I guess we'll close your application for an Egg card, yes? YES!

£16 I beleive

papacool

kuohu wrote: »

To the OP... A card with a £500 limit is better than nothing though. Personally I'd have taken it then secure messaged Egg in a few months time to ask for a limit increase.

I would have given it serious thought. But, I asked what happens if I overspend the £500. Eggs response was... NO response. I guess I would have been hit with a heavy interest rate. I spend more than £500 a month in shopping and car fuel. I use the card as a convenient way of handling my cash. So, As it's my cash, I want to manage it well and want to know what cost I'll encounter if I overspend on Egg's card. I still don't know. So, it's no thanks to a scrambled egg:T

YorkshireBoy

papacool wrote: »

...I guess...

Why guess when your questions are answered in the T&C's? (See sections 7.1, 21.1, & 21.2)