Thanks again Ken. I take on board what you saying, and I would indeed be miffed if companies were passing info about willy-nilly, but as Barclaycard have taken over the Egg account, this was a continuous account, a bit like when Santander took over Abbey. The only doubt in my mind was because the PPI was cancelled prior to the takeover. Barclaycard have supplied details of the Egg internet application, which was from August 2001, but have supplied no statements whatsoever. Surely if they can supply the original application details, they can supply statements as well?

Thanks for the quick and very helpful response, ken100464. I had originally been working on the assumption that as the card was still active, Barclaycard would responsible for the PPI liabilty, but because the PPI was cancelled before Barclaycard took over, this threw a spanner in the works. We're not at the stage yet where we can send in a PPI claim form to anyone, we still need the statements to see what was actually paid from 2001-2007. Brclaycard are totally jerking us about, but given that they've taken my relative's tenner and haven't supplied the info requested, I think we'll letter them again for the info and see if they will supply statements back to 2001. We'll just have to be prepared for taking it up with Canada Square at a later date if needs be. Thanks again

An update on this claim - and a question. Original SAR request was refused by Barclaycard, a second letter was sent on 4 Jan, along the lines of that suggested in post #2 by Brigadier2JCS. Barclaycard then contacted my relative by phone on 29 Jan, and said he would need to collect the information from a Barclays Bank, and present ID to collect it (!!!!), which he duly did (why they could not have simply posted it, I do not know.) Needless to say, the information was incomplete. There were NO statements, as specifically requested in the original SAR. We did get some info that was useful: 5/9/2001: PPI taken out with Egg 9/2/2007: PPI cancelled with Egg (The Egg Card migrated to Barclaycard in 2011.) My relative passed the correspondence on to me at the end of February, so I've been a bit slovenly in taking the next step. I intend to draft another letter to Barclaycard, requesting the information in full, and passing the correspondence so far on to the ICO. Before doing this, I wanted to spend a bit of time on here, to reassure myself that I'm taking the right action. My understanding is that, as the card was taken over by Barclaycard, then Barclaycard are responsible for everything to do with the account, including refunding the mis-sold PPI. I don't think the fact that the PPI was cancelled prior to the migration would change that, but I'm posting in the hope that if anyone knows different, they could let me know. (I've had a trawl around the various threads to check if responsibilty for closed Egg Card ppi policies was siphoned off elsewhere prior to the Barclaycard takeover, but have drawn a blank.) If anyone knows differently, I'd appreciate your feedback. Barclaycard are obviously dragging their feet as much as possible on this one. I'd hate to get another month or two down the line, only to be told by Barclaycard that they're not responsible for refunding Egg's PPI in these circumstances. Any feedback gratefully received!!

Thanks for the speedy and helpful reply, will do as you suggest and will update the thread when there's further progress.

Starting a new thread for this PPI action against Barclaycard. Originally an Egg Card, then taken over by Barclaycard. Card is still active. I am helping a family member with this, so the card is in their name. They never needed or wanted PPI, they were self employed whren the card was opened, and they have phoned once in the past to cancel PPI and were told that they couldn't (hopefully this contact was recorded and will be confirmed if / when the SAR is complied with.) Action so far: 30.11.12 - Sent a SAR and £10 postal order to Barclaycard's Data Compliance Officer. Used one the templates off CAG for the SAR. 03.12.12 - SAR was received by Barclaycard (according to Royal Mail track and trace) 12.12.12 - Barclaycard returned the SAR and postal order, with a standard letter: "Thank you for your request for information under the Data Protection Act. Unfortunately we are unable to process your request due to the reason(s) detailed below: It is possible that the account has been closed for a period of more than 6 years and as a result customer details are no longer retained." Now, given that the card is still active, this is nonsense. As they received the request on 3.12.12, I reckon their 40 calendar days are up on 09/01/13. I am now unsure on the best way to proceed. Should I re-send the original SAR and PO, with a cover letter advising them that the card is active and they are running out of time to reply? Or should I wait until the 40 days are up and send a LBA? Any advice gratefully received!

Thanks again, I'll get a current CRA report and ask Santander what arrears (if any) they think I still owe, before accepting their offer.

Thanks for the quick and helpful reply. I would need to get an up-to-date CRA report to check if the debt was sold, but I'm assuming it wasn't. I didn't receive a notice of assignment and from the wording of the correspondence from the DCA it sounds like they were acting on behalf of Santander ("we have been instructed by Santander to collect your overdue debt", etc), rather than as owners of the debt. I did receive regular notifications of arrears right up until I began dealing with the DCA, the final notification was for £5390, and the DCA accepted £4k, so I'm assuming the remaining £1390 could be deducted from my refund.

OK, I've received an offer from Santander, stating the refund of PPI attached to the personal loan will be used to repay any outstanding arrears. I paid a lump sum to a DCA as final settlement of the arrears (I was given a discount of approx £1.5k) and I don't know if the DCA were acting on behalf of Santander or if they'd bought the debt outright. Do you think Santander will/can offset the £1.5K?

Thanks very much dx! I will complete as much as poss and get them sent off to Santander I haven't done a SOC for each, they have helpfully provided the cost and interest for each policy (eg £1726.00 plus interest £403.40) on the loan agreement, so I thought I would just request repayment based on these figures

Quick question regarding claiming back PPI on two loans with Alliance and Leicester (now Santander.) I have a fair amount of info on both policies and was just going to fire off two letters with two completed FOS questionnaires, however I have a query about the policy numbers. The FOS questionnaire makes it clear that the PPI policy number should differ from the loan account number, but the paperwork I have for each PPI just quotes the loan number. (The PPI paperwork doesn't say "policy document" but it does say "certificate of cover") Both PPIs were single premium policies, with the PPI cost plus interest added to the principal amount borrowed. I haven't done a SAR for more info because both are over 6 years old. I'm assuming these particular policies didn't have separate policy numbers. Am I right to assume this, or should I fire off a SAR first, given that I'm not confident that Santander will supply info for 2002 and 2004 under a SAR?

Don't know if this is connected to Global or not but thought I'd share this experience: My partner defaulted on a A+L loan almost 5 years ago, but entered into an agreement to make repayments directly to A+L. She has been making regular monthly payments of £170 since Sept 2005 without fail. She phoned yesterday to make her regular payment as usual, but got a recorded message saying the number was no longer in use, and to call another number. She called the other number, it was Abbey (both are part of the Santander group) who told her the debt had been passed to a collections agency, but couldn't tell her which one (they said they used "four or five") She was still able to make a payment over the phone, but was told the collections agency would be in touch and she'd need to make payment arrangements with them. A bit different from howie's problem as my partner's account was in default, but quite annoying as she'd made 50 agreed payments on schedule and now it seems to have been passed elsewhere.

Response to LBA received yesterday, from Ulster's CRU, dated 11 Oct: "... charges are fair, reasonable and transparent ..... the charges that have been applied to your account must stand....", etc, etc. Am now in the process of preparing my small claims documentation ....

I would get back onto to Elizabeth Gilmore, it should just be a matter of photocopying the statements and re-posting them, 10 minutes work ... that's what she did for me when the statements they sent didn't arrive first time. Remind her the 40 days to comply has passed. Good luck.

Due to the bank hol and work commitments, LBA didn't get posted til this morning. tick tock ....

Received a response from Ulster Bank customer relations unit, Noelette Hassett, dated 18 Sept. "We believe our charges are fair, reasonable and transparent" etc, etc..... "having considered all the points made in your letter, I am happy to inform you that I have refunded your account with £60 as a gesture of goodwill." Some way short of the 2K I asked for. LBA printed and going recorded delivery Monday morning.