Thread: Me Vs Egg Loan

You can send them a Subject access request and they will have to send you everything they have on you, I am currently searching the forum for the most expansive letter template for mine, when I find it I will post the link here for you.

is this any use

Your Name,

Your Address

Your Postcode

The Data Controller
Company Name
Company Address
Company Postcode

Date

Data Protection Act 1998

Subject access request s7(1)

Dear Sir/Madam


ACCOUNT NUMBER(S): XXXXXXXXXXXXXXX XXXXXXXXXXXXXX



Please send me the information which I am entitled to under section 7(1) of the Data Protection Act 1998 in relation to detailed occurrences relating to the above account number.


The following is by no means an exhaustive list but in the main this is what I require.


Please supply me with a complete list of transactions and charges relating to ALL accounting history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.


Additionally, all records you hold on me relevant to these accounts, including but not limited to:


1. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to the accounts.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response

4. True copies of any notice of assignment and/or default notice or enforcement notices that you may have sent to me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted.

6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial Breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.

9. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

10. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

11. A copy of all account statements for the duration of the agreement.

12. Please would you also advise me of the logic involved in any automated decisions taken by you about me pursuant to section 7(1) (d) of the Data Protection Act 1998.

13. A True copy of the original consumer credit agreement section 77-79 of the Consumer Credit Act of 1974.

14. If it is contended you do not hold such data before such a date, please confirm this by providing the Certificate of Destruction.

15. Any Other information relating to these accounts


I enclose the statutory maximum fee of £10 by postal order. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act Subject access request fee.


If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable for the previous XX years.
Furthermore, such a request for specific information to confirm my identity will not deviate or inhibit the 40 days time limit allowed for compliance with my Subject Access Request.


Please note - If I do not receive all the data I have requested within the timescale specified above, I shall seek a Court order obliging you to do so, together with damages at the discretion of the Court and without any further notice.


Finally, I would appreciate your Company's due diligence in this matter and look forward to receiving the documentation requested.

Yours Faithfully,

XXXXXXXX

cas93

That`s exactly what I`m after!! Cheers Cas

your welcome

Thanks Cas...

After Reading The Cca I Noticed That I Have A Loan Payment Protection On There
This Is Added To The Principle Loan And My Re-payments Are Only For 1 Amount Each Month..
I Will Post A Copy Of This As Soon As I Borow A Scanner..

Originally Posted by ANDREAMOUR

Thanks Cas...

After Reading The Cca I Noticed That I Have A Loan Payment Protection On There
This Is Added To The Principle Loan And My Re-payments Are Only For 1 Amount Each Month..
I Will Post A Copy Of This As Soon As I Borow A Scanner..

JUST BEEN READING ABOUT Militant Consumer's Friend v Egg Loans AND MY AGREEMENT IS EXACTLY THE SAME!!!
SO IT SEEMS MY AGREEMENT IS UNENFORCABLE

Andrea- is that agreement on 2 seperate sheets of paper or is it the front and back of the same sheet of paper?

Its 2 Seperate Pieces Of Paper..
Will That Make A Difference?

Yes, a big difference if the original agreement was on 2 seperate sheets of paper then its definitely unenforceable as all the prescribed terms need to be on the same sheet you signed. Is that the original you have posted up or is it a copy that Egg have sent you on request?

Thats The Copy That Egg Sent Me...
I Cannot Find The Original Copy..
The 2 Peices Look The Same Size So Maybe The T&cs Were On The Back..
How Can I Find Out If It Is 2 Peices Of Paper?

You can't without going to court & obviously you dont want to do that. Probably better to just proceed as you originally planned with the PPI issue.
Only thing you could do is try to bluff Egg by claiming they have broked the 4 corners rule & see what they come back. Unfortunately I don't know enough to know if thats a good idea or not. I'm sure someone more knowledgeable will along soon.

Mmm... Interesting...
Ok..
Thanks Anyway.. I Will See If I Can Find Help....

Can Any 1 Help Me Out On This 1?
What Should I Write Back To Egg?

NOT SURE WHICH WAY TO GO WITH THIS 1
DO I HIT THEM WITH THE LOAN PROTECTION MATTER OR THE 4 CORNERS ISSUE???
CAN ANY 1 HELP PLEASE????

Hi andreamour, not sure about the PPI, but i have an original copy of my loan agreement and it is on one sheet of paper, back and front.
I too have received 2 sheets of paper when requesting a copy under the CCA but think this is just the way they have photocopied it.
Livis xx

Thanks Livis I Thought It May Have Been...
How Did You Get The Original Copy?
Does That Still Break The 4 Corners Rule?