V-E Day: Victory over Egg

[un1boy]

this is great, thansk - I oroginally sent my lba etc in october, only to be told to take them to court, so i will issue MCOL when i get paid - im not gonna write to them again as I have 6 years after issuing the lba to calim, apparently.....

 

I'll let you know if/when I win!!

 

PS, this thread is REALY motivational as I they are the last on my list and i have been waiting over 6 months to claim fro them!!! :)

[Mistermind]

un1boy, looking forward to seeing your name in lights -- will find a good picture for you.

[un1boy]

hehe, hope so mate - could REALLY do with the cash - only 200 quids but im so broke now!!

[Mistermind]

17 APR 2007 - Smiley Scouser 27 ......................... . - http://www.consumeractiongroup.c o.uk/forum/egg/82165-smiley-scouser-27-egg.html

 

Claimants 32 - Egg 0

[un1boy]

Has anyone had their accounts closed?

[hondamad21]

Also has anyone managed to get them to remove a default???

[Mistermind]

Research tools

 

The two questions above are specific illustrations of a general problem -- with several million forum postings from 130,000 members and growing exponentially, flesh and blood cannot possibly keep up. This mountain of data piled up by IT can only realistically be mined using IT tools. To try answer the 2 questions posed I tried the following:

 

click SEARCH

click ADVANCED SEARCH

search "CLOSE OR REMOVE"

select "OTHER INSTALLATIONS, EGG FORUM" only

 

This returned a dozen threads, no doubt there is a diamond buried in there somewhere, the precise answer to a precise question. The price is heavy digging. Always successful data-mining relies on judicious choice of pinpointed keyword, and luck.

 

Shortcut research on winners only

 

Out of 130,000 CAG members, only 6,000 have reported successful reclaims. Granted 6,000 under-reports the true figure, winners remain very much in the minority. To cut down on research aimed at finding workable answers, it is possible to restrict ADVANCED SEARCH by selecting only the winners-only forum http://www.consumeractiongroup.c o.uk/forum/other-institutions-successes-1.html.

 

Alas Egg has been deemed by Mods a backwater and is lumped in with other cards. Double alas, out of 32 Egg winners listed in V-E Day thread, only 3 have requested Moderators to move their threads to the Winners Forum -- namely Maxine989, THFC4EVER, mcuth.

 

I suspect research shortcut was the exact reason Mods opened up winners-only forums. Mods are now seen in avatars regularly banging their heads against the keyboard, as 90% of CAG winners ignored (or failed to notice) Mod requests for winning claimants to PM Mods re relocation of winning threads. The V-E Day thread also requested notification from winners, but in addition monitors the Egg Forum every day for winners. I suspect there would be volunteer monitors in other forums -- if only they were asked.

 

Pondering on the success and failure of communication,

if an audience takes no notice,

actors on stage would look for ways to get through.

 

 

 

[Mistermind]

19 APR 2007 - indyfox99................ ......................... -

http://www.consumeractiongroup.c o.uk/forum/egg/82671-indyfox99-egg-need-help.html

Claimants 33 - Egg 0

[Mistermind]

Top of the last page for the latest score

[un1boy]

Guys, I need some help please:

 

http://www.consumeractiongroup.co.uk/forum/egg/10708-un1boy-egg-new-post.html

[Mistermind]

Successful Egg claimants have moved on -- there are other things to do apart from wrestling with Shylock. But winners left behind detailed "how to" postings. No other forum has made it this easy -- 34 links to 34 successes all waiting to be clicked open and read.

 

There is however no Room Service delivering answers on a plate, or breakfast in bed.

[Mistermind]

In response to Egg’s point “You allege that these charges are a penalty. You have put forward no evidence to support this allegation…” the following Terms and Conditions published on the web by 2 Irish banks can be printed and submitted as part of the Court Bundle.

 

 

Nowhere is the anomaly more blatant than in Northern Ireland. There the Ulster Bank (part of RBS-NatWest Group) charges £30. Put one foot across the border into Eire, and the charge falls by 90% to the universal Irish rate of £3, see links below. Are Irish banks ten, twelve times more cost-efficient than UK banks?

 

http://www.ulsterbank.co.uk/content/ni/personal/current_accounts/downloads/Guide_to_Personal_Current _Account_Fees_Interest.pd f

 

Ulster Bank

 

"If you exceed your arranged overdraft facility or if you go overdrawn without prior arrangement... £30"

 

 

http://www.accbank.ie/content/accbank/cms.nsf/Files/CurrentAcFeesChargesJan2006/$file/Current%20Ac%20Fees%20&%20Charges.pdf

 

ACC Bank

 

“REFERRED CHARGES…Cheque, direct debit or standing order presented which if paid would place your account in an unathorised position – Euro 4.44”

 

 

http://www.aib.ie/servlet/ContentServer?pagename=RO IPersonalPortal/AIBContent_C/pp_article&c=AIBContent_C &cid=1136826345174&channe l=P004

 

Allied Irish Banks

 

3. Late Payment Charge

Should payments not be made in accordance with the Conditions of Use an administration charge of EUR 3.81 will be debited from the cards account.

 

4. Over Limit Charge

Should the account be operated in excess of the Credit Limit, an administration charge of EUR 2.54 may be debited from the cards account.

 

5. Returned Payment Charge

Should any payment either by cheque or direct debit be returned unpaid an administration charge of EUR 4.44 will be debited to the card account.

[Mistermind]

Claimants 37 - Egg 0

[Mistermind]

Claimants 40 - Egg 0

[Mistermind]

Claimants 41 - Egg 0

[Mistermind]

Claimants 42 - Egg 0

Well done Mike, the 42nd winner.

A laser-targeted Eggmail, then a 2-day result -- a record I think.

 

For those who wonder why long letters do not work, Eggployees probably fall asleep reading them.

[Mistermind]

It is obvious that Egg and other institutions methodically carry out a policy of stalling until claimants lose the will to live, a strategy of bluff and brinkmanship camouflaging a determination never to appear before a judge.

 

 

However there has been great disparity in the time required for Victory over Egg -- some won in days, others in 6 months, this difference possibly down to a difference of tone and pinpointed directness in the letters sent by claimants.

 

 

If past V-E winners see this, would they care to respond here, posting approximately how many days each took from start to finish, deducting any inactive period voluntarily chosen by the claimant. This count of days will then be keyed into the Roll of Honour as a guide to quick success. I too can discover the answers by researching threads, but there is only one of me, but 42 winners!

 

 

Justice delayed is justice denied.

[Mistermind]

Claimants 43 - Egg 0

 

When Irish eyes are smiling

[Mistermind]

from http://www.tombrennan.co.uk/

 

Brennan v National Westminster Bank

(Updated 03 May 2007)

 

The hearing of the current application will continue on 21st May 2007, at 10:30am in

the Mayor's and City of London County Court. The application has been listed for the

whole day, and it is unlikely that a decision will be given on that day. The judge has

indicated that a reserved judgement is likely to be given, which means that a decision

is likely to follow later in that week.

 

However, the exact timing of when the judgment will be given is entirely a matter for

the judge, and will also be dependent on the Court's diary.

 

There has been an increasing level of media interest in my upcoming case against

Natwest, which is intended to test the lawfulness of the charges imposed by Natwest

for breaches of the overdraft facility of my current account.

 

This simple website is intended to give a summary of the case and to set out some of

the issues involved. It is also intended to answer the majority of questions that people

may have regarding myself and this case. It is hoped that by giving such information

on this site, there will be fewer media inquiries forwarded to me, and an increased

level of factual accuracy in any reports on this case. A summary of the case can be

seen on the Case Summary page.

 

It should be noted that the adjourned hearing, due to take place on 21st May 2007,

will not determine the lawfulness of Natwest's charges; that will be determined at the

full trial at a later date, should the case proceed. The hearing on the 21st May is an

application to determine the law involved in this case, and whether the case should go

to trial.

 

If the case is allowed to proceed on 21st May 2007, then I intend to place my own

legal papers on the Legal Papers page. These papers will include my Particulars of

Claim and my Witness Statements.

 

I will post further information about the case on this site once the application has been

heard on Monday 21st May 2007.

 

Further information on how to reclaim your bank charges can be found on the BBC

News Website and the Consumer Action Group forums:

 

http://news.bbc.co.uk/1/hi/business/6170209.stm

 

http://www.consumeractiongroup.co.uk/forum/bank-action-group-against/

 

 

 

 

[Mistermind]

Claimants 44 - Egg 0

Added - number of weeks from start to finish.

[Mistermind]

Claimants 45 - Egg 0

 

New - number of weeks from start to finish

 

 

 

un1boy wins

[Mistermind]

This thread belongs to its readers.

 

If any reader would like pics displayed for a while in a rotating gallery please PM me.

[Mistermind]

Claimants 46 - Egg 0

[Mistermind]

Claimants 47 - Egg 0

featuring the Chelsea Flower Show

[un1boy]

Just thought I would say what a goodthread this is mate. thank you - it's because of you I re-tried Egg and got a settlement without court.

 

Thanks again fella, I owe you a beer!