Thanks firstship for your prompt response, If I'm honest i don't remember if i signed for the PIP and i don't know where that puts me. Many Thanks again Helen

Hi there. Newbie to the forum and I've had good look around and found it to be a very friendly one, i hope this will be well received. I got out a Egg loan of about £17,000 back in September 2003 and was shortly after put out of work, so i defaulted and Egg pasted it on to a collection agency (Moorcroft), who (without fail) I have paid until the loan was repaid in March this year. On the 29Th of last month I got a very welcoming letter From ARC telling me that unless I made near or all of the payment of £4,112.79 they would start court proceedings against me. Now I have been in touch with both ARC and Egg and they both say the same thing.....That the payment protection had not been added to the loan amount and had gone unpaid. I have now sent off for both my statements and agreement so I'll have to wait to see want has gone on, but this all seems very wrong. Can they really just turn round after six years and say "oh yeah we missed the payment protection so here is a £4,000 bill for our error"? All help is very much appreciated and i thank you all in advance for your comments. Helen