yes but now you do not have consumer credit agreement they can only charge normal base rate. Much cheaper than credit card rate

A simple acid test would be to multiple the number of interventions by the time needed and see if it adds up. I would guess that at the rate quoted and time taken they would need millions of staff doing the same job. Poor Emma could only do 5 jobs a day? Yer right.

Ok decided to settle for this. So I guess my thread need to now read I won! Waiting for dosh to arrive then ready for survey and donation! Just Egg left.

One point I have on this and it's just a thought. If they do cancel then surely the consumer credit act no longer applies and it becomes civil debt. If you then rigth back offer a reasonable repayment plan then they should accept (unless they think a Court will award more). However they cannot charge high interest rate just normal 8% etc ? Much cheaper way to pay back the money. Just a thought!

Not fair boo hoo mine has taken at least 10 days before any response. Well done !!!

Can someone advise. Had a response to my MCOL from Halicrap. Two of the charges I am reclaiming are greater than 6 years. I know I can argue that the statute of limitations doesn't apply because they hid the true charges until OFT found it i.e. preventing my from exercising my legal rights. When I put in my claim I thought I'd at least try. Had a look for previous threads with no luck yet. Not sure if it is worth a big fight for £662 out of £2579. Has anyone gone back to them on this then been paid? Anyone out there can advise. I need to respond to Halicrap.

Guess I was wrong. Now 8 days since money claimed issues and nothing after acknowledged. Typical - most post seem to get a response in a couple of days. Maybe they like to make me sweat -

Let them collect ! it will be interesting for the bailiffs to go to Head office and collect.! ps. Avoid CAPs it's classed as shouting

Congratulation. My MCOL was submitted the same day! hope they don't put it in my closed account.

Ah finally aknowledged the claim. Guessing by other thread I should expect it will say they intend to defend.... Bring it on.... but suspect they will deflate me by paying up in 2 days... shame I was ready for a fight...

It obiviously makes sense for them to go to hearings but whether they are a good barrister or not only time will tell - plus they have to have the law on their side! and they haven't, so it seems. Even the best barrister in the world can't make a silk purse out of a sow's ear.

Well guess I was a valued customer. At the time I suspect they thought "this guy spends lots on cards - so big bucks for us in this" Little did they konw but even by then I had learnt the hard way. Credit cards are not a sensible way to take credit.

I afirm that. Follow the procedures they have worked for lots of people. Unless you are a lawer and think you have a better route. If you don't you might get tripped up big time.

They sent a cheque to full amount without court or claim.

Cancelled my Egg card today and paid off balance. Now I am in a better position to do the rest.