Righty... I have had a letter from Eggs lawyers saying they are going to defend part of the claim... what is my next step?? back to money claim and request a judgement? This is the first time I have been in this position and im after some advice!! Any and all advice is welcomed!! Thanks in advance!!

Hmmm... well makes for interesting read... we will have to watch this space... I dont really want it to go to court but Im not going to back down... I will happily go to court on this one if i must...rather stupidly I forgot that one of my best friends is a law student at Aberdeen and is rather excited by what I am up to and is researching just in case it does go all the way Its not even that much money its just the bloody point!! The charges are unjustly high and have cost me £100's. Thank you all for you advice and on going support!!

Righty.... I have now lodged my claim with Money Claim Online asking for all my dollar back!! I will keep you informed of what happens next!! Thanks for the advice! Richard

Good Morning, I was wondering if anyone off the forums could please advise me on what steps I should take next?!! Firstly let me bring you up to speed... Between November 2006 and July 2008 I had a number of charges on my Egg Credit Card for going over my overdraft limit. I wrote to egg requesting my statements I totalled and calculated including interest a repayment in excess of £300 I wrote on the standard templates requesting repayment. Egg wrote back saying "changed our charges from £20 down to £16 and go winge to the ombudsman. I next sent an email saying: "Thankyou for your letter dated 22nd April regarding my request for repayment of charges. I have great respect for Eggs Genuine Pre-estimate of £20, great respect for Egg's Genuine Pre-estimate of £16 and great respect for all future Genuine Pre-estimates that Egg provide. As a former cardholder I cannot help wondering, if after many years in business Egg has ever tried to reconcile Pre-estimates against Post-event audits. I am confident that a company devoted to justice and truth like Egg will not withhold evidence from the cardholder, that Egg will present evidence in court to show after-the-event costs, as well as before-the-event Genuine Pre-estimates. Therefore I intend to file a claim for the charges against my account in the sum of £302.18 inlcuding Interest, my original £10 for disclosure of information and any court fees. If i do not hear back from you within 15 days, I will be claiming through HMCS Money Claim Online." After sending this email... they replyed with the following: URL: http://www.pdfhost.net/index.php?Action=Download&File=47eac3bb25caa2bae5ced99ec1f60f35 I am a little lost and out of my depth and was wondering if anyone could advise me on my next steps in trying to reclaim these charges!! All information is greatly appreciated!! Regards, Richard

Hi All, Im after a little advice... About four/five years ago I was lucky enough to make the bank claims successfully. Recently I have managed to pay off my credit cards and want to claim back all their charges! I have sent the statement request letter and received back my statements. All charges are £12 for either late payment or over credit limit. They range from between August 2006 and May 2009 and total a little over £400. I have a couple of questions... Firstly can i claim these back??? And on the calculator spreadsheet it has calculated 8% interest.... can i also request this interest back???? And finally ....the next step is to complete either the credit/store card template or the New POC Barclaycard form.....which would you recomend to use? All advice/information is greatly appreciated. Thanks in advance for your advice/help Richard

ok will do! just a little worried now :s

hello chaps just had a reply letter from they saying that they are unhappy to hear that i am disatisfied with their service. And that they will futhur investigate the matter and respond within the next 10 days. Has anyone else had this and is it a good omen?????? Rich

i thus presume that when i send this new letter saying that i will accept their offer of the £1039 as a partial payment to my total which is now £1308.06. I was wondering if anyone has a copy of this letter you could post that i could prehaps use as i am no where near as competitant of writing such a letter as the ones on here. thanks for all the help and advice guys appreciate it

hey everyone i got a letter from 1st direct today. saing that they would pay 1039.00 to settle the matter (not including the 110 charges this month). Im a bit unsure what step to take now..... im happy bout the money but i dont know if i should hold out for the whole shabang plus these new charges???? any guideance chaps???? richard

Don't worry i won't give them that oppertunity! i have sent that with the letter. im looking foward to getting their response. As a student that money really means alot to me and if i could get it back i would be overjoyed. thanks for the reply Do you think with a claim as small as mine (small to the banks but not to me!) they will let it go as far as me having to take them to court??? has anyone had similar experiences with this sort of ammount? cheers for your help and advice. richard

hey everyone just been reading through some of the stuff really intesting reading and congrats to everyone who has had there money back wooo hooo!!! basically im a bit unsure if what i have done is correct.... i have filled in the simple charges for which came to £1'165 + interest, then i have filled in the letter called preliminary approach for repayment letter in the bank templates library, whacked them in an envolope and posted it to the Customer Relations Manager of first direct. just posted it today and am kinda excited have i filled in the right stuff???? and sent it to the right people?? any guidance u guys could give would be most appreciated! ill give updates of how im gettin on! thanks richard