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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
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Egg not providing right info


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Hi All

 

Hopefully someone can point me in the right direction on this one.

 

I sent a CCA request to Egg in Aug 09 and got back a copy of what seems to be my agreement and a blanked out copy of the loan terms and conditions with no reference to my account or date; so I have not idea if they are relevant.

 

Am I right in thinking that as Egg have not given me anything relating to PPI (other than small paragraph in agreement) they have not fully complied with my CCA request.

 

Should I persue them on this or just send them a SAR to get everything else as well as I am loathed to send them money and buy them more time for the sake of it?

 

My situation is I took out loan in Spring 04, and after being defaulted, paid off the loan in Nov 07. I have since been receiving statements and realised there is PPI on the loan. This is unusual as I was a sole director of small company and always thought I could not claim PPI so never knowingly request it. I believe I was mis-sold and am trying to get info to prove it.

 

Thanks

 

AT

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Hi All

 

Hopefully someone can point me in the right direction on this one.

 

I sent a CCA request to Egg in Aug 09 and got back a copy of what seems to be my agreement and a blanked out copy of the loan terms and conditions with no reference to my account or date; so I have not idea if they are relevant.

 

Am I right in thinking that as Egg have not given me anything relating to PPI (other than small paragraph in agreement) they have not fully complied with my CCA request.

 

Should I persue them on this or just send them a SAR to get everything else as well as I am loathed to send them money and buy them more time for the sake of it?

 

My situation is I took out loan in Spring 04, and after being defaulted, paid off the loan in Nov 07. I have since been receiving statements and realised there is PPI on the loan. This is unusual as I was a sole director of small company and always thought I could not claim PPI so never knowingly request it. I believe I was mis-sold and am trying to get info to prove it.

 

Thanks

 

AT

 

 

Yes send the SAR and also see this thread...... Egg

 

I believe you will have a good chance to reclaim mis-sold PPI but it is better if you are prepared before you claim.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 2 months later...

Well Egg have finally sent me my info from the SAR but it does not contain anything relating to PPI other than a single paragraph in the loan agreement.

 

Interestingly they have my occupation down as an entirely random job description I wouldn't have used.

 

Would anyone be able to advise me if I should initiate my claim on the basis that this is all the information they have or chase them for the PPI documents they must have if they paid the premium on my behalf?

 

Thanks

 

AT

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Well Egg have finally sent me my info from the SAR but it does not contain anything relating to PPI other than a single paragraph in the loan agreement.

 

Interestingly they have my occupation down as an entirely random job description I wouldn't have used.

 

Would anyone be able to advise me if I should initiate my claim on the basis that this is all the information they have or chase them for the PPI documents they must have if they paid the premium on my behalf?

 

Thanks

 

AT

 

If you believe there is data missing then you have the right to complain to the Information Commissioners Office... Link here...

 

Complaints - Information Commissioners Office

 

You can precede this with a letter of non compliance..

 

Data Protection Act - Non-Compliance - Template Letters

 

Chase them to provide the documents you have after all paid £10 for them so make them work to provide what you are legally entitled to.

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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