Egg/Barclaycard PPI

[Markwms]

Sorry for hijacking this discussion, but I have the same issue with the same lender.

 

I had to send my fos questionnaire to Barclaycard as egg closed down and Barclaycard took my egg account over. I finally got around to calling hem today as I haven't heard anything since December. They told me they had sent a letter on 31st December, but I did not receive it. They confirmed they would send it again. They also communicated the jist of the letter. They explained that they had closed the claim due to me ticking a box when I applied for the credit card online.

 

I have owned two or three egg cards and I'm sure my first card was applied for back in early 2000. However I am guessing that Barclaycard will only investigate the last egg card I owned (the one transfered to Barclaycard).

This means I won't be able to claim for my previous cards as egg is no more.

 

My explanation to Barclaycard was that I would never agree to PPI as paying back borrowed money (interest) is expensive enough. I also had a scheme running at work. I didn't actually realise I was paying PPI as it never appeared on my egg statements. I only discovered I was paying PPI when I checked the transfered Barclaycard statement. It all makes you wonder why they closed egg down.

 

I just need to know whether to give up on this one or do I persist, if the later what is my next step?

 

Thanks

[ims21]

Hi and welcome to CAG

 

I have started a new thread for you.

 

Egg were one of the big sinners for pre-ticked online applications.

 

You should be able to get all of the accounts investigated.

 

Have you done a Subject Access Request (SAR) to get as much information as you can on all the cards. If not I would do one...there is a template in the CAG library, the link to which is at the top of every CAG page in green.

 

Don't give up at the first hurdle.

 

ims

[Markwms]

Thanks ims

 

That was quick.

Sorry I'm new to this forum structure. I was despert to get some help after my disappointing phone call this morning.

I tried your "new thread" link but it didn't make sense.

Who would I address the SAR to, as egg are no more?

 

Thanks again ims

I can see the light, again

[ims21]

Hi

 

You can address your SAR to the Data Compliance Manager at Barclays. I would do it to their registered office.

 

I'd also send it recorded so you know when they receive it.

 

ims

[Markwms]

Thought I'd update my progress. Finally received a confirmation letter from Barclaycard this morning (two in fact - duplicates).

Their final comment on the letter is: "You may consider this letter to be our Final Reponse. Pleas be aware that we will not enter into further correspondence on this matter, however we will cooperate fully with the Financial Ombudsman Service if you choose to peruse your complaint with them".

 

Does this mean they will will refuse to send me information regarding my SAR application?

 

Thanks

[ims21]

Hi

 

They have (for the time being) refused your complaint on PPI.

 

They cannot refuse a SAR request...they have to comply under the Data Protection Act

 

ims

[Markwms]

Finally received report history of my accounts with egg from Barclaycard. Information received gives details of current Barclaycard account, which I haven't had long so there's no point chasing PPI.

However the account I reported as miss selling PPI back in December 2011, which was refused due to me ticking the insurance cover tick box (according to Barclaycard) goes back to 17/06/2002, therefore could I claim that the tick box was all ready ticked, which was a form of miss selling?

 

There is also a third account. This must be the egg card I had before Barclaycard took over as it runs from 18/07/2011 to 28/10/2011.

 

The main account I need to chase is the one I have all ready claimed for. As Barclaycard have now advised me that "I can consider this letter to be their final response. Please be aware that we will not enter into further correspondence on this matter, however we will cooperate fully with the financial Ombusman service if you choose to peruse your complaint with them". How do I go about explaining to the Omusman that the account was opened in 2002 when the lenders followed a procedure of pre ticking the insurance cover tick box?

 

A bit confused and feeling like a loser.

 

Cheers

Mark

[ims21]

Egg did indeed operate a pre-ticked box for a period of time which effectively meant the applicants had to "opt out". This is considered bad. Also in some instances we have heard that an application could not continue unless the PPI box was ticked.

 

If you are passing this over to fos you should be truthful in your replies as to what happened but you can mention that you are aware that Egg employed these practices and that you are aware that they were fined for their mis-selling of PPI.

 

Did you get copy statements going back to 2002 with opening and closing balances or just a transaction history going back to 2002?

 

ims

[PPI Rani]

my egg barclaycard prob is slightly different, i had a ppi claim declined by egg, i am persuing this at the ombudsman on the basis it was misold due to the fact as a company director i am effectively self employed an dtherefore the policy was 'missold' . The adjudicator has investigated and the allthough he is unable to yet give me a verdict he says that curremtly my case is in the legal department because its a case of who is responsible Egg or Barclaycard for what i presume will be a payout, anyone else had thsi prob?

[Markwms]

I have to be honest, 2002 is a long time ago and I really can't remember the process I went through during the application. I kind of remember not being able to complete the application until I ticked a box but can't be sure.

 

The paperwork I have been sent is headed "Memo List & Detail". It's not really a statement and there are only two entries for 2002, one on 17/06 and the other for 16/12. Most of it is bank jargen. There are twelve pages that run up to 16/09/10.

 

At the present moment I feel like just giving up the fight, mainly because I have no proof.

 

Thanks for all the help

Mark

[ims21]

So you didn't get statements or a transaction history as a result of the SAR?

 

In which case you can send the failed SAR letter from the CAG library.

 

Have a look at the PPI stickies...you'll find a thread in there with notes for claimants. Have a read as there may be more criteria you can use for the mis-sale.

 

As you have had a final response from Barclays, if you do not fancy challenging them directly then you can pass the whole matter over to fos and give them copies of all that you have sent thus far to the lender. Also let them know of the criteria which you believe apply to the mis-sale.

 

Now Barclays have been known before to state that you cant claim on xyz account which is an attempt to fob people off. The fos may well see things dofferently and there is evidence on these forums where people have complained to fos on this point and fos have said that the bank are effectively talking nonsense.

 

If you pass it to fos you will need to be prepared for a long wait

 

ims

[Markwms]

Hey ims21

 

Thanks for your response.

 

I did receive a dot matrix reem of transactions, however this was for my current credit card with Barclaycard, not the account I complained about.

 

What does passing all this information to fos entail. Time isn't really an issue, however will there be any fees to pay? Will I have to appear in court etc?

 

Thanks again

Mark

[PPI Rani]

my case of '' no its not me its egg,..... says barclaycard..............no its barclaycard not egg'' has been with the FOS for 9 months, its been actively loooked at by adjudicator since jan , the whole thing is being held up by the eggcard barclaycard playground shenigans

[Markwms]

Would I be right in stating that egg was actually a Barclay product, which means they pulled the plug on egg for just this reason?

[ims21]

Hey ims21

 

Thanks for your response.

 

I did receive a dot matrix reem of transactions, however this was for my current credit card with Barclaycard, not the account I complained about.

 

What does passing all this information to fos entail. Time isn't really an issue, however will there be any fees to pay? Will I have to appear in court etc?

 

Thanks again

Mark

 

Hi

 

Passing to fos doesn't cost you anything. There is a case fee of £500 (May have risen to £850) but that is charged to the lender so doesn't affect you at all.

 

All you do with fos is complete their complaint form (available from their website) and then submit copies of everything you have sent and received from the lender. You are welcome to give additional details and information in a covering letter/report.

 

Going to fos does not involve court.

 

If fos do don't uphold your complaint then you can still use the court route of you wish

 

ims

[ims21]

For the other posters, Barclaycard took over Egg. As such there is no Egg to be responsible...it is Barclaycard that are now the target. Think of it that BC took over Egg completely, lock, stock and barrel. Excuses that Egg are responsible is a fob off.

 

ims

[PPI Rani]

The adjudicator on my case gave me the impression that its an internal accounts thing ie if barclaycard cough up they get the money from egg etc. and that they ahve to get agreement as to who is repsonsible . I get more and more confused as the days go by.