Thanks for the advice. With regards to the paperwork, with the SAR they did provide me with my original CCA with my original signature, but as i've repaid this is not soo much of an issue. The route i'm going to take forward is the ppi/charges reflecting an incorrect balance on any default notice that they did 'not' send me. Are there any template as such available that i could use in this case?

I remember at the time, i was struggling with their monthly repayments whilst at uni. They gave me a payment break i think of around 3 months, but things didn't improve. They then shifted the debt to a DCA, who sent me this lovely polite letter which scared the crap out of me. My sister contacted them and they offered removal of the debt if she could give them a one off payment which she did. The amount of the loan to be repayed at the time of the default was just over 4k The reduced settlement they offered her was £800 less this. Looking at the loan agreement the ppi alone is £1100. It looks like the default was registered by EGG 3 - 4 days after my sis had settled with the DCA. Now if she was aware that partial settlement would result in a default she wouldnt have done it.

Hey guys, been reading this forum for a couple of months now trying to get enough information to start my fight against egg. To cut a long story short, i'm applying for a mortgage, and my broker (friend) asked me for a credit report to give me an idea on where i would stand- credit report showed a default from egg. This default is from early 2007, i payed it off after it was referred to a DCA, at a reduced settlement. At this point no one mentioned a default on my credit report. I recently requested a SAR, and have been going through the mountain of paperwork. There is no copy of a default, and more importantly no sign of any messages or notes to say a default was sent or registered(screenshots) Another point to note, they gave me this loan in 2005 with ppi included. I never requested this, and being a student at the time, (working 8 hours a week) i don't think in the event of unemployment it would be applicable to me anyhow! I am wondering how to now proceed with regards to EGG as there is no formal default or messages, and my primary concern is to remove this from my credit report! Any help would be gratefully recieved!

They refer to it as high risk items limit. With regards to the renewal there was never any mention on the notices to changes of terms and conditions, but i will have a look to see if i have any left. However, if they have made a change to my policy to include certain limits, surely they have to state this on the policy document?

Hi Guys Had a break in a few weeks back where the buggers took mainly jewellery and some electronics. My claim had been passed to a loss adjuster who popped round took copies of all the reciepts and everything seems fine. The point at which we're at now is the jewellery taken is worth over 10k proved by reciepts. The loss adjuster has informed me that there is a valuables limit of 3k (total) on the account which i was not aware about( since looking around on the net i see this is common place ) I went hunting the house for the policy document and found it, it states the amount of cover and legal cover with dates but no mention of any limits. It also doesn't have any disclaimers such as ' read policy summary for full deatil ' etc etc Also this policy i have had for years with just constant renewals to the extent that i was told it is still an indemnity policy rather than the new ' new for old ' policies although this doesn't affect the jewellery. Any idea where i stand with this, and if i wanted to argue my case what process would be best. Any help would be very gratefully recieved. Thanks guys