OK THANK YOU!! Anyone any idea who the underwriters were for egg in 2001? I have found it could be AXA but not sure of timeline is correct.

I did a SAR request to egg before they changed hands, quite a few years ago. This was my first attempt to claim the money back. They sent me a copy of my agreement (online screenshot) showing it ticked and my electronic signature. This neither proves nor disproves my situation. They rejected my claim and I didn't continue to chase it - I should have but I didn't. This was about 2009. I have lost all of this paperwork in a recent house move. I didn't see the point in another SAR request as the last time the information was of little use. And talking to FOS they have been unable to supply very little original paperwork as evidence (Canada Square) due to the age of the case. They have relied on examples of what I would have seen. Which is clearly fabricated.

Oh right! Why would they not have mentioned it was because they were unregulated in this case - I thought FOS was supposed to be impartial? It is all very annoying. The FOS have said if I can provide proof that it was pre ticked they can overturn their initial decision - but if what you say is true then thats not the case I imagine.

Hi there, I was really hoping for some help and advise on whether there is any way forward with this complaint. I complained to Canada Square about an egg credit card taken out in March 2001. I know that I did not opt in to take PPI - that the box was pre ticked, as I was also advised on the phone that the box had to be pre ticked to complete the application when I questioned it. They rejected my complaint as my personal circumstances meant I had no cover (significant sick pay or savings etc). I don't see how this is relevant. I took it to FOS and they rejected my complaint. I have questioned it and they say their records show it was opt in at this time. But I know this isn't true. Can anyone give any advice on how to proceed with this?

Hello there, I am re opening this thread - as you can see I started it in 2009! I managed to clai back PPI from a nuber of other banks, but had no luck with creations and land of leather and gave up. However, I am trying to give it another go using resolver. I am yet to mention the overpaid interest though. Have there been any fresh cases/ stories concerning land of leather and creation? I would love to hear how anyone got on in a similar situation!

ok - well that i can cope with!! thanks for the insight. interesting that im not getting it for the other account with them...

it is also worth noting that the three figures down the left are all the same - the full amount owed including the minimum payment required.

Hi all - long time no post!! about a year ago, with lots of help from you guys, i wrote to cabot requesting a CCA for two separate debts. they were unable to produce these and put both debt "on hold" the larger of the two for goldfish, although they were unable to chase me for payments and the account was "on hold" they were (and still are) processing late payment info to my credit file. Now they have decided to start chasing for the money again! they still havent sent through a copy of the CCA, or even attempted to pass anything off as one. They are just choosing to ignore the fact that they put the account on hol dand start chasing me again!! i got a letter at the beginning of sept and an identical one today - should i be ignoring this or replying? i dont want hassle letters noce a month!! here it is...

as you will see from post above - i have said he got the other ticket when he originally parked there. he was coming and going all morning to pick up and unload as it was first day on job, but after receiving the "on the van" ticket" he did it from a more inconvenient spot. you obviously dont read THAT closely. thanks for your help anyway.

wow - im so angry on your behalf. sorry i cant be any help i just wanted to offer my support. i know you've prob got enough on your plate with a new babay but u should deffo get in touch with the press - its disgusting.

PS - this time the contravention code is 62J not 622 but the blurb says the same offence.

agghh, this situation is just getting worse!! I have sent the above letter off and as yet have received no response. my OH then received a SECOND PCN in the post! It is for the same day, about 2 hours before when he was first unloading and must have been from one of those drive by shooters. obviously if the first one had been left on the car he could have done something to stop him getting the second one! as it is he has two tickets for the same day and same "contravention" can they do this? i am going to send off the above letter AGAIN with a bit of amendment so any advice appreciated.

thank you for your feedback - i will take them out.

i hhave drafted a letter - do you think this stands any chance at all? Dear Sir or Madam, I wish to make representation against PCN ref: Vehicle Registration Number: The PCN states contravention: 622 – Parked with one or more wheels on or over a footpath or any part of an urban road other than a carriageway (partly on footway). I appreciate that it is a contravention to park on the footway in Richmond and support the Councils policy to enforce the law. However at the time of the alleged contravention I was unloading heavy and bulky construction materials to the house directly opposite. The Greater London Powers Act 1974 which gave Richmond the power to enforce footway parking clearly states that 'a vehicle that was parked for the purpose of loading or unloading goods, and the loading or unloading of the vehicle could not have been satisfactorily performed if it had not been so parked' is exempt from the restriction. The van was parked for a period of a few minutes to allow unloading of heavy glass and other construction materials. Parking on the footpath was necessary as cars parked on the opposite side of the road had ignored signs allowing them to park on the path. This meant parking with all 4 wheels on the carriageway would have blocked the road and would not allow traffic to pass. This unloading of heavy materials could not have been undertaken from anywhere else. The vehicle was not left unattended but was out of view for no more than one minute as the materials were carried to the rear of the property while undertaking work on their swimming pool. I look forward to hearing your response to this matter.

I was wondering if anyone could help me appeal this parkling ticket which my fiancee received last week. it was his first day back at work after a couple of months because of damned credit crunch so we could do without it to be honest!! i will post the ticket below but he has received it for parking two wheels on the curb. a couple of points - 1. the opposite side of the road are supposed to park on the curb (it is marked as such) and havent - which means that by parking on the road he would have been blocking it off. 2. he could not park elsewhere as he was unloading heavy glass etc from a van for work on the house he was parked opposite. he was only there a few moments. i inititally thought that appealing this would be easy due to the unloading but reading through various forums i am seeing they dont tend to back down unless you can find a fault on the ticket itself - is this the case?

this whole thing is SOO frustrating - why does it take the ICO over a month to look into something thats clearly cut and dry. i am going to add the other two organisations to my complaint list today - but should i send another letter to cabot in response to theirs and telling them i have made the complaints or just leave it and wait for them to hear from the organisations i have complained to? i dont want to give them an unnecessary heads up if it is going to help them in any way but also i would rather they just sorted it off their own back - much simpler!!

i dont recall a notice of assignment but it may have been binned - as it would have been before i became vigilant and filed everything. i do have a default notice from cabot - well i think it is, its actually a notice of arrears which states it could lead to a default (this followed about a week after they had accepted my payments for an arrangement - the amount i had been paying direct to goldfish for 3 years).

the original lender didnt default me as i always paid on an arrangement (for 3 years) and they were nic (er) than some of the other lenders!! cabot started adding missed payments as soon as the "bought" the debt. surely this is a contradiction - if they didnt own the debt would the be able to supply info to my credit file anyway? sorry lickthewall - i dont understand!!!

now their info is a little confused, they say they bought the debt, then say they arent obligated to provide the info as they dont own the debt. i have placed a complaint with the ICO but am yet to hear anything and when i rang them they said it could take some time - in the mean time my credit file is getting graffitied by cabot. should i make any other complaints and should i acknowledge and respond to this letter from cabot?

OOh I hate Cabot. This particular debt with them was put on hold in Dec as they were unable to supply a CCA. As a "good will" gesture the account was put on hold!! However, they are still processing info to my credit file. they have said i missed a payment in Jan & feb (how when the account is on hold i ask), and soon will add a default to my file - as all my debt problems are historic this will put me back 3 years and I am absolutely gutted. i sent letters to them on the 12th dec, 6th jan & finally and then finally this letter on the 28th jan - "Please note; this is a formal complaint of breach of the Data Protection Act 1998. Ignoring this letter will result in further action being taken. I refer to your letter of 8th December 2008, in which you confirm that you have been unable to supply a true copy of the original Consumer Credit Agreement for the above account, and as it is unenforceable by law you have placed the account on hold. You confirmed that you are still unable to supply the requested information and the account remains on hold with letters dated 17th December 2008 & 31st December 2008. On 12th December 2008 I sent a letter of statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. A copy of this letter is enclosed for ease of reference and was sent recorded delivery. This letter was ignored by Cabot so a further letter was sent recorded delivery on 6th January 2009 (also enclosed), reiterating that you are obliged to remove all adverse information from my credit file until such a time that you can substantiate it with a true copy of the CCA. Not only have you ignored these requests but upon checking my credit file I see you are still processing new data to my credit file – stating I am in arrears (last update 4th January 2009). As you have confirmed by writing on numerous occasions that the account is on hold as you do not hold an enforceable agreement – the processing of this information is in breach of “The Data Protection Act 1998”. If it is not amended within 7 days I will be making a formal complaint to the Information Commissioners Office and forwarding all correspondence to the Office of Fair Trading & Banking Ombudsman. Please respond in writing to confirm the removal of this adverse data within 7 days of receipt of this letter." I finally received a response which i will post below...

Im not happy to hear this if it means i cant claim!! Will this effect me claiming from creations consumer finance who the credit agreement is with? Also i want to claim the PPI but also the over charged interest based on i paid the loan off a year early but paid the interest for full term- anyone any idea how to work out what this would be? i presume quite a lot at this exchange rate!!

I know this is quite an old thread but i have been reading through in interest. I sent the first letter found here (which has been used effectively by others on the site) - Remove Default Notices on a Credit File - We show you how | LearnMoney.co.uk to try to get a default removed. Egg ignored this so i sent this follow up letter - "I wrote to you on the 11th December 2008 asking for some relevant information. I enclose a copy of the letter which was sent via recorded delivery with a £1 postal order enclosed. I have received no response from you. As 28 days has now passed from the date of the letter you are now in breach of your duties under Section 78 of the Consumer Credit Act. If you do not answer my original questions and reply within 7 days I will have no choice but to escalate the matter to the relevant authorities including the Banking Ombudsman, Office of Fair Trading and the Information Commissioner's Office." yet again no response! now im at a loss as to what to do next! the website above only gives letter templates for when they actually respond to you not if they ignore you completely. i assume i should carry out my threats but not sure which organisation is most likely to be able to help with my complaint... i also sent it to BOS who sent me a letter back asking me to supply the customers credit card number (was not a credit card debt & i am clearly the customer) - how thick are they!?!?!?

thanks bazaar - i have amended the final paragraph to include this. i have also found relevant complaint form on ICO website which i will send off next week if i havent heard from them. bloomin cheak of cabot !

"Please note; this is a formal complaint of breach of the Data Protection Act 1998. Ignoring this letter will result in further action being taken. I refer to your letter of 8th December 2008, in which you confirm that you have been unable to supply a true copy of the original Consumer Credit Agreement for the above account, and as it is unenforceable by law you have placed the account on hold. You confirmed that you are still unable to supply the requested information and the account remains on hold with letters dated 17th December 2008 & 31st December 2008. On 12th December 2008 I sent a letter of statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. A copy of this letter is enclosed for ease of reference and was sent recorded delivery. This letter was ignored by Cabot so a further letter was sent recorded delivery on 6th January 2009 (also enclosed), reiterating that you are obliged to remove all adverse information from my credit file until such a time that you can substantiate it with a true copy of the CCA. Not only have you ignored these requests but upon checking my credit file I see you are still processing new data to my credit file – stating I am in arrears (last update 4th January 2009). As you have confirmed by writing on numerous occasions that the account is on hold as you do not hold an enforceable agreement – the processing of this information is in breach of “The Data Protection Act 1998” and if it is not amended within 7 days I will be making a formal complaint to the Information Commissioners Office and other such regulatory authorities as I see fit. Please respond in writing to confirm the removal of this adverse data within 7 days of receipt of this letter what do you think? I feel like im just writing threatenening letter after threatening letter without getting anywehre!

aagggh - Cabot are a nightmare. I have checked my credit file today and they are still processing late payment info to my credit file - on an account they have advised me is on hold because they cant find the cca! i have written them two letter stating they are NOT to process my data and they are ignoring these. not only have they not removed the incorrect data but they are adding more. this is now showing as 4 payments late and will soon default. AM NOT HAPPY. i know they cannot process this data but they seem to be ignoring this fact and doing it anyway. does anyone have a good threatening letter? Or who should i report this to - which organisation?