Egg not providing right info

[AT99]

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

[alanalana]

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

[AT99]

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

[alanalana]

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.