Misrepresentation by Egg (sorry to cross post)

"Ian Henden" wrote

Think of all the (expensive) work which surrounds those letters ...

Probably would have been better doing that BEFORE they emailed him saying they'd reinstate the card. I think that, if pushed, they'll find that the new offer they made by email damages their ability on this particular occasion to enforce part(s) of the original terms. Next time he defaults perhaps they'll be less rash.

I don't condone his dilatory behaviour but am just suggesting how he might fairly quickly restore himself to the position he expected to be in - while ignoring the silly question about "redress" concerning the £280 he (eventually) paid under, in his view, false pretences.

As ye sow, so shall ye reap.

You made no reference to this, only "the number of times I've been over the credit limit". What did you expect people to infer form this? Had you said "the number of times my account has gone over the credit limit because of bank c*ck-ups", that would have told an entirely different story.

And what were you expecting as a response? Do you really think you can sue Egg for the 280 because under some quirky law you somehow don't owe it any more? You borrowed the money, so you have to pay it back. If your credit card company subsequently decided to cancel your account (which they are completely within their rights to do under the terms and conditions which you signed), then you can't bleat that it's not fair. In much the same way as you have the right to terminate your account, so do they.

Grow up, pay up and get on with your life.

"Ian Henden" wrote

And how much do you think the IT Department salaries cost the company each year, in total??!

So what ? At the end of the day you still have to pay the debt. Your bank would be liable for any costs incurred. The payment that you made was not in "good faith" but a debt that you owed.

In message , Tim writes

A few hundred rupees?

Probably quite a lot.

Of which tuppence each can be attributed to the cost of generating these form letters, sent out automaitically when certain conditions apply. Plus the cost of envelope, paper and stamp. Still not more than 50p.

LOL