Misrepresentation by Egg (sorry to cross post)

You want the 280 back? The 280 that you owed to Egg, presumably having made purchases or withdrawn cash on your Egg card? The 280 that you were already late in paying back to the company that had lent you the money under their standard terms and conditions, which you signed when you opened the account?

Believe me, they'd have closed your account whether or not you had paid this £280. But if you hadn't have paid it they'd have pursued you until you did -- probably at extra cost to you.

And for goodness sake, you owed it to them -- did you expect to be let off?

Um no. You owe them the money - why would you think otherwise ?

So you repeatedly breached the terms and conditions and spent the money anyway. Now you expect them to repay what is quite obviously theirs? As Mr. McEnroe said "You cannot be serious!".

;)

However, he could print out the email and send it off to Egg's Customer Relations department and ask that they do what they said they'd do (even if he didn't).

And I presume Egg would, in turn, send him a copy of the agreement he signed in which he said he would make his payments on time.

I think that Egg are being totally unreasonable about this and a promise is a promise, morally if not legally in this case. I suggest that you show your total disgust with them by closing the account. That will show them!

Sue

I think you should take your (bviously very valuable) business elsewhere. I`m sure banks will be lining up to have a customer like yourself.

"Palindr?me" wrote

As Paul R suggested above, you could say exactly the same thing about the terms&conditions for the card, which the OP has already broken - both morally *and* legally!

"Palindr?me" wrote

They'll probably be very happy with this. They'd probably prefer just having good customers!

"Simon Finnigan" wrote

In message , markus writes

A in my humble view an extremely clever input in order to display the thick nature of those so stupid as to respond.

Thanks for a moments fun cc3e4d40c44139ca5ffd761e3f512dc8

I suggest you read the replies again - I don't think anyone took the OP seriously! Did they?

Sue

Hell yeah! Why are some people incapable of handling credit properly? I owe about 5k at the moment on credit cards, because they give me cashback and I`m in a nice interest free period. Until the interest free period ends, I`m living on my cards and putting the money away in the bank. I reckon it`s worth a few hundred quid doing this, which is well worth the effort! :-)

How sweet an unworldly you must be Sue.

In money matters the general UK populous constantly display their stupidity.

My mum told me 50 + years ago '"Never a borrower or lender be, and you will have friends wherever you be.""

As she told me to SAVE up (go without things) and then I would be certain that is what I REALTY wonted. And I would like it so much more, knowing for certain it was what I REALLY wonted and had gone without things to get it.

Yours Grotty.

thanks for the sarcastic & patronising responses ~ If I wanted to be subject to your playground humor, I'd go back to primary school.

FYI, MY BANK screwed up the DD mandates on 3 occasions which caused the original problem.

thank you for your useless responses

It probably does not alter matters. You still owe the money!

You are welcome! You might pop into a class whilst you are there; many have gone back to teaching grammar and punctuation after so many years when the rest of the World peoples were being taught better english than us. Oh, and some more useful advice, I would consider changing banks too. Alliance and Leicester are giving away 25GBP and free World-wide travel insurance at the moment, IIRC. If you believe the statistics, (and who can?), an incredible number of people stay with the same bank for years, no matter how they are treated or what better offers are around.

With regard to your credit card problem, a lot of them all seem to be issued from the same company these days so, when looking for a new one, it may be better to check that your application isn't going to the same outfit. American Express BlueCard may be an idea - they give you cashback and they are great to have when dining with colleagues because so many restuarants in the UK and the rest of Europe don't accept them.. Ideal for when you are strapped for cash and can't pay your credit card bills.

Good luck,

Sue

I think, perhaps, you brought the responses on yourself by asking if you had any legal basis for recovering the 280 pounds you paid to them. The answer to that question is so obviously "no" (if you settle a debt like this, there's no possible legal basis for later changing your mind about settling it).

That the card issuer then changes its mind about keeping you as a customer has no bearing on the fact that settlement of the debt is final.

By the by, did you realise that here.net is owned by a Kristopher Hill in the USA and that your use of his domain in an attempt to avoid spam being sent to you simply has the effect of causing more spam to be sent to Mr Hill instead? What's he done to you to deserve this?

Why do people use other people's domain names? I'd love to know.

Mike.

Acksherly, I rather suspect they make more money out of *bad* customers. Ultimately.

Think of all those letters at 30 a throw....