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  1. HI guys, I’m currently assisting my mother with a PPI complaint with Barclaycard (formerly an egg card taken out Online in Q1 of 2004). I would really appreciate if someone could categorically tell me that EGG had the PPI box pre-ticked during Q1 of 2004 i.e. they have been successful in calming miss-sold PPI with egg. I would be especially over the moon if someone could tell me that it was not possible to proceed with the application if this box was not ticked as that seems of a complete own goal by egg. Barclaycard have offered us quite a chunk of a refund due to Plevin, but
  2. Hi guys I'd like your thoughts on this. I have a Barclaycard / ex-Egg account - that defaulted back in 2012. In middle of last year it was sold to Hoist and then Robinson Way came chasing. It's a familiar story. Last payment on this was February 2012 (default was Nov. 2012), so I'm thinking "you sods!". I sent CCA request which has taken them months to comply with (I have all the time in the world!). I finally received a recon from them this week, with an I&E sheet attached and 30 days complete it (keeps clock ticking ). Reading between the lines
  3. I got letter from solicitors, on behalf of Robinsons Way acting as agents for HPH (ex Barclaycard) on a debt they say originates from a legal agreement from 2004. This I believe relates to an old Egg debt, but BCard bought my Egg debt in 2011/12. I was paying Egg card small amount monthly, Egg stopped taking payments (not me defaulting) when BCard bought debt. Bcard wrote to me said I needed to change SO to their details and quote my Bcard as a reference!!! I didnt have BCard, it was an Egg card. I wrote and told them, they didnt reply, I didnt resume paym
  4. Hi all, I received yesterday a lengthy letter from Barclaycard regarding Egg credit card. It told me that they now had my account, and that back in April I should have received notification that the Egg card was being sold to barclaycard. I am concerned as I haven't received any such notice, and moreover, am in a current agreement to repay both my barclaycard Visa and Mastercard debts off. However they have not stopped interest on either card, only reducing the interest to 2 percent. Has anyone else had experience of this or received notifications back in April?
  5. Hi, I sent out a CCA request to DLC, who were collecting for an old Egg debt; I have been paying £1 token payments to them every since the account defaulted over 6 years ago, and due to having moved house a couple of times since, have completely lost track of what has happened with this as the standing orders were set up to come out automatically. Last week I received a response to my request from DLC stating "we returned the account to Egg in July 2010, who have since ceased to trade. We assume that your account has been acquired by a third party company and we suggest you
  6. I cannot believe how useless FOS is: Investigator ruled against me because I must have accepted an online question that I wanted PPI: he sent me screenshots of questions re PPI but not my screenshots since i never seen them before. my gdpr did not contain them, my cca regulated agreement contained nothing about ppi… he says fos is not interested in cca agreement or what is in gdpr … cca is a matter for fca.. not fos disgraceful appalling service... i feel a need to complain about this investigator i have sent an email complaining about the fos guy e
  7. Hello all I banged off a ppi enquiry to every single company that I had ever borrowed from, in case, although I'm fairly sure I always declined any extra services. Egg/One Canada Square replied last to say that I did have ppi on a very old credit card back in the day. I complained and today got a letter saying that my complaint was upheld but there was nothing to refund as no premiums were ever applied, something like that. Does that sound sensible/likely? If I dig out some old statements will it show on them as a separate line? SAR? Thanks Micky
  8. Hi, when the whole PPI claim thing started i didn't really think i could claim on this account, but here are the details. I had an Egg card 8 or more (not sure) years ago which started around £500 limit, i had PPI, and they kept raising the limit until about 6 months down the line i had a £3000+ limit, anyway i abused this and got to a point where i couldn't pay off even the minimum monthly payments, so charges and interest grew until the balance was £10k, i told them i couldn't pay this and reached an agreement for a one time payment of £3k to close the account. Would it be possi
  9. Hi There. My wife has just received through the post an attachment of earnings form from the MCOL Business centre. A CCJ was awarded in default as was sent to a previous address. My wife only found out about it when she received a Noddle credit profile change notification. She spoke to Robinson Way who advised it was issued at a previous address. She gave them our new address and interestingly the attachment of earnings form has come through to our current address. Details of the debt: Original creditor was Egg (so suspect any CCA would be "interesting" to
  10. Hi, I unsuccessfully claimed against Barclaycard for a mis-sell of egg card PPI back in 2015 (I was successful against Canada Square for my Egg loan) My Reasons were: the box was pre-ticked and having a relationship with Egg I had spoken to someone over the phone first who had advised that I must go online to apply, and as with the loan my chances were improved if I took out PPI. In addition I had a generous sick pay scheme and redundancy scheme at work. I then sent off a SAR to barclaycard requesting all of my statement information as well as the original application.
  11. Name of the Claimant ? Arrow Global Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 4th August 2016 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 6th September What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. The claimant claims payment of the overdue balance due from the defendent under a co
  12. Hey Guys. I was called by a company called Cabot on 15/08/2017 re debt. They didn't go into detail as i was on holiday. I ended up coming back later than planned and ended up coming back on 28th. Since then we have had some family emergencies so was unable to deal with stuff. I called them yesterday and they said they where calling in regards to an Egg loan (which i dont remember). They said they couldn't discuss things as the case had gone through to their sister company a Solicitors firm called Mortimer Clarke. I called Mortimer Clarke today. They said
  13. Hi Ive received out of the blue a court claim form from Arrow Global saying that I owe nearly £22k to Egg but Ive not heard anything for at least 10 years until now. Please can you advise me whats the best course of action as Ive acknowledged the claim on moneyclaim to get another 14 days on this. Can this debt be Statute Barred because of the age of it? I need to file my defence before 18 October before 4pm online. Ive sent a CCA request to Arrow & their Solicitor Restons and had a reply from both of them to say theyve requested CCA paperwork from Egg but so
  14. Hi everyone, as suggested I am posting each of my debts separately so I sent a CCA letter to Allied International Credit regarding my Egg credit card (now Barclaycard), I should have received an answer by 22nd July '14 but have today received a letter on Barclaycard headed paper saying they have enclosed a "reconstituted copy of your agreement". it is saying that they are "currently unable to provide a copy of the terms of your credit agreement" and go on to say "they are therefore prevented from enforcing our agreement with you". However they also say
  15. Hello- background: debt dates to 2005 with a pre-approved credit card, the limit being increased and increased unasked unti 2008 when BAM! Then i set up a debt management plan with the CCCS, and paid into that until feb 2012 and not a penny since. A couple of weeks ago i got a phishing letter from wescot addressed to me at this address asking if the address was correct and saying if they didn't hear back they'd assume it was, no detail as to what it was for. I didn't reply. Today, letter from wescot saying they have been instructed by their client arrow global ltd-egg
  16. Had an old egg card that I defaulted on back in 2010. Agreed payment of £1/month with egg then was informed barclaycard had assumed the debt. Continued to make my payments but they suddenly started getting rejected by barclaycard. Eventually cancelled the standing order. Last successful payment was may 2012 so about 9 months until it is statute barred. Now out of the blue had a letter to my old address (new occupant there has sent it on to me) saying Robinson Way on behalf of Hoist are instructed to recover the debt. First question is whether or not to igno
  17. Letter completely out of the blue from Canada Square : regarding commission paid on PPI (they had rejected the claim previously) "following a Supreme Court decision and new rules and guidance from the Financial Conduct Authority you can now make a new type of complaint to us about the sale of your PPI policy" I am assuming this is as a result of the recent landmark Plevin judgment?? There was a form to send back Does this also apply to previously settled PPI claims?? thanks as always
  18. Hi there, I am hoping someone can help me - I tried unsuccessfully in Sept 2015 with Egg to get PPI back on 3 loan accounts and a credit card. These were taken out in 2004 and ran for many years before I paid them off - I believe early 2010. My reason is a simple one - I was diagnosed with Ulcerative Colitis in 1992 which is a lifelong chronic disease - I've had many operations and hospital stays/visits over the years, my last visit being as recent as 2 years ago. Certainly on the last loan, it was done on the phone and I was told I couldn't have the lo
  19. Hi I had a letter a couple of months back from Robinson Way regarding a Barclaycard account. I have never had a Barclaycard called them immediately and they told me that it was an egg card. I did have an Egg card several years back and this went in to a DMP but then the DMP Company went in to liquidation and hadn't been paying. I did make payments hug these were returned 'suspense' so didn't make it to the right person. I have checked my Experian and this account has dropped off my file. I don't know if it would be considered SB. How would I find this informat
  20. 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
  21. Hello and thanks for your amazing forum I hope you can help, I've read loads of posts but can't find anything that matches my scenario: (I'll try and keep it brief!) I've got a C/card which was with Egg and is now with Barclaycard due to their purchase of egg. It's now down to £4300, (was more like £6k I think) I originally took it out in 2003 odd. I knew I had PPI with them, and so sent off my £1 and asked for my agreement, and have got back a letter which I wasn't expecting, stating that: "We are currently unable to provide a copy of the terms of your credit agreement as varied
  22. My Daughter has be hassled by Shoosmiths/ARC over an alleged debt with Egg, this started in March 2011 several DCA's have written and to each we have sent a S78 request, and had nothing returned other than a blank 'example' agreement. A couple of years ago Shoosmiths issued court papers to which I filed a defence on her behalf, pointing out that S78 had not been complied with and that a multitude of DCA's and solicitors had written a range of letters alleging debts but for a number of varying amounts. Shoosmiths responded by withdrawing the court application, out off
  23. So here's the latest in my Egg adventures. I've had a letter from Barclaycard referring to an EGG debt, to an old address. It's attached here. It refers to a default that hasn't appeared on my file as yet. I'm fairly certain (although I don't think I have a record) that the account was defaulted in 2004. Here's the fun part - it was from an Egg credit card, Now this. Do I CCA Barclaycard for the Egg details instead? Egg_Barclaycard_default_26-02-17.pdf
  24. Dagenham Dave

    Egg Rewards

    Hello I recently sent a SAR to Barclay for an Egg Credit Card I held from 2001. The account is no longer open but I am currently paying off the balance. I have been searching through the information that was sent to me but all I have received are microfische versions of the statements. I have all the balances from month to month but unable to ascertain whether I was paying PPI on this account. I do know that I applied for this account online and I had transferred the balance over from another card when I first opened it. I have noticed the card had something
  25. Hi Firstly, those in debt finding it hard to see light at the end of the tunnel, don't be disheartened, it can be done. After 8 years, I am within 9 months of being debt free. however, this hasn't been without issues and I could do with some advice on what should be my last issue.... Sorry for the length, just don't know best course of action... thanks in advance for any help I defaulted on an Egg credit card, they sold the debt to Arc Europe. Barclaycard bought Egg. Barclaycard transferred the debt to Moorcroft. I have consistently paid the agreed m
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