Hi Ims, Im happy with the ammount mainly because I didn't hold much hope due to lack of details. I only decided to make this claim while I was waiting on my "main" claim against Egg, so happy & surprised!

Hi Guys, I have just been sent a letter with an offer to settle my claim I had a loan with the above about 6 years ago, which lasted about 2 - 4 years. When I sold my house, I paid off the loan. I had no details of the loan. no account number, statements or paperwork. I emailed FP & siad I had no records & could only tell them my address at the time & the year at a guess. I couln't even remember the ammount but could remember them telling me that I had to take out PPI & this would be like a "cashback" after the period of the loan. They were very helpfull, gave me the account details & said they would look into my claim. I didn't send a letter or SAR, we only talked on the phone! 6 weeks later they are willing to pay out with no fuss whatsoever! They have taken the PPI ammount, the interest incurred on the ammount & then 8% simple interest on the overall figure. The simple 8% being taxed a 20% deduction. I am obviously very happy but want to know if this seems normal & is it normal for FP to pay out so quickly. cheers

Hi Dx, They originally sent only transcipts & printouts but no statements, so no showing monthly or yearly totals etc. I went back to them & said they failed to comply to the sar. They then sent these screenshots?? The original printouts detailed all movements with the account but no staements etc! The printout did state on the first page that against my application, insurance taken was NO. I havn't been back in touch since & they sent a seperate letter saying that they will be in touch. Washo

HI, Sorry for the delay! I have FINALLY attached the screenshots as PDF files. This was the last document posted to me from Barclays re my claim. This still doesn't seem to prove anything to me as this looks like screenshots from the OFFICE side of the application!! This was sent with a covering letter more or less saying" more info as requested" Let me know what you think please & dx100uk, thanks for your patience! Full page photo3.pdf Full page photo4.pdf Full page photo.pdf Full page photo2.pdf

Hi Guys, Futher info recieved & more advise needed. To recap: Had Egg CC since 2000 & cancelled PPI last July After sending SAR to Egg, I recieved loads of transcripts & data print outs but no statements. The printouts mentioned on the first page that no insurance was taken out but futher down, they acknowledge me cancelling the PPI. I sent a futher letter explaining they hadn't complied to the SAR request by not sending statements etc. They replied asking me to send another payment to cover cost for 2nd SAR. I phoned Barclaycard & moaned my head off & eventually went through to their customer complaints officer. He was very helpfull & explained that they would indeed forward any statements they find. He also said that the best way forward was to let them handle the PPi claim as they have their own department going through the rubbish from Egg! He said this would be fast tracked & has since sent me another letter & an Ombudsman form to complete & return. But to change matters slightly, I have recieved another page displaying screenshots from my original application. The screenshots look like they show sections from the office side of the application & not from the customer side, if that makes sense!! Sections that Egg fill in themselves, with action boxes marked "authorise" "summary data" & "product holdings" etc. These sections are at the bottom of the screenshot & are sectioned off by a line/bar across the page (hope i am making sense) One section list the credit limit & preferred limit & payment protection. The box next to Payment protection has typed "Accident,Sickness,Unemployment and life" This neither a yes or no box or drop down menu, this has been filled in. As I already know i never asked for any protection, Im not sure waht this screenshot actually proves or says. Also from what I can remember, my application was started online but completed over the phone. These screenshots look like they are from the office computer as they show parts that you wouldn't see online! Can someone please offer any advise on both parts of this (sorry its long) request. Pete

Hi Guys, Sorry to but in! I also had a loan with First plus around 8 years ago. This lasted I think for about 3-4 years & I eventually cleared the loan completely when I sold my house. I was also sold ppi on the basis that the loan would be refused if not included & at the time I REALLY needed the loan, so I agreed. My only problem is that I have no correspondonse whatsoever, no statements or letters. I had a clear out a couple of years ago & unfortunatly shredded the lot. Is there a way I can still contact Firstplus, even though I havn't got my account number & only my address at the time? Thanks for reading & any advise is appreciated Pete

Hi Again, Thanks for your advise, I will send off the letter tomorrow! Do you think its good news that according to the beginning of the printout, they stated I never took out the insurance, when it was always deducted from the beginning? Then they confirmed that it was later cancelled!! Pete

Hi Thanks for your help! Yes the 40 days was up a couple of days ago. Am I right in thinking this is what the Delinquency amount is refering to/ Pete

HI, Just checked the printouts again & they have given me a cost breakdown on only the last 12 months!! On one of the breakdowns it lists "Delinquency amounts" which looks like the PPI. Has anyone heard of PPI being labelled as Delinquency amount? Also how am I going to work out how much I may be owed if I can't see the other months/years etc Any advise would be great!! Pete

Hi Guys, I sent a SAR to Egg regarding ppi I had on my CC card since January 2000, cancelled in July 2011. They have sent me loads of print outs of my account details & from what I can make out, printout/transcripts from any activity on my account! At the beginning of the printout, it lists my application & against insurance indicator, it states N. It then says Y= payment protection insurance cover & N= no cover. Later in the printout it says that Insurance cancellation I (individual insurance) was cancelled in July 2011. So, from what I can make out, I had the PPI for over 10 years but they didn't realise I had it until I cancelled!! How do I work out how much insurance was deducted every month as they never sent any statements & now the Barclaycard website, only lets you go back so far to look at your statements? As every month, the ppi total deducted would have been different. Can anyone help or shed some light? Should I have got statements as well or have I missed something? Cheers Pete

Hi Everyone, I am about to have a go at claiming back ppi on my Egg card that I have had since Jan 2000, which I applied for on the internet. As this is an internet account, I never really bother checking & only recently realised that I was paying PPI. I therefore cancelled the PPI in July this year. I would never of asked for PPi & have never taken up the offer on any other cards I have......I don't even remember seeing the option when I applied for this on line! I think I have the general idea of the process involved & will be sending off my SAR today. My worry is that because Barclay-card have taken over Egg cards, do i send sar to Barclay-card or to Egg main headquarters/office in Derby? Also, a lot of the SAR templates I have seen here are from many years ago, has anything changed since, I that I should know about? Are Egg playing ball regarding claiming back ppi charges? Any advice, words of wisdom & success stories are more than welcome. This is the first time I have ever done something like this & find it all a little bit daunting! Regards Pete