egg Sar reply

[tonylawlor]

Just received a reply regarding my SAR requrst from egg card(barclays).

 

It seems i have lots of paperwork which includes statements and computer data stating all correspondence between myself and egg.

 

There does not seems to be any info regarding me sighing up for the eggs card.

 

Seems egg are playing silly games to delay giving info.

 

What's the best step to take?

[ims21]

If you are looking for the credit agreement that is not a requirement under a SAR.

 

The ICO guidance is that it would be good practice to supply but as I say, there is no requirement.

[tonylawlor]

Thanks for info.

So if i wanted to pursue a claim for PPi with egg, what would be my best route.

[ims21]

Do you mean a claim under the terms of the policy or a reclaim for mis-selling?

[tonylawlor]

Hi,

Its the mis-selling I'm looking at.

[ims21]

Standard procedure then....fos questionnaire and spreadsheet of claim together with a brief covering letter to the lender.

 

Spreadsheets are here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011(1-Viewing)-nbsp

 

Fos questionnaire is available from the fos website

[tonylawlor]

After looking at the paperwork sent to me by EGG (Barclays) I've decided to send a letter to them claiming back the PPI I've paid.

Te paper work shows different Monthly payment figures for PPI.

If i add up the total money paid and add interest would that be correct, or is there another way to do it.

[ims21]

Have you got All of your statements for the account?

 

It isn't as easy as you suggest....it depends what information you have i.e. copy statements OR have you got the transaction history instead?

[tonylawlor]

I received all my statements which include the PPI payment amounts and i've put them into yearly bundles.

Am i right in saying interest should be calculated up to the date i apply.

And i should take each year separately when calculating the interest.

What rate should i use for interest.

Thanks for help

[ims21]

If you have all statements then you should use this spreadsheet.

 

As the interest rate is likely to have changed over the years use an average of the rate they were charging you.

 

Read the notes tab in the spreadsheet.

 

Is the account still live or has it been closed and paid off?

 

 

FosRunningPPI v102.xls

[tonylawlor]

the account is closed and paid up

[ims21]

Ok so complete the above spreadsheet.

 

You will then be able to work out the difference between the card balance which was paid off and the reconstructed balance. Pop that figure into this spreadsheet with the "Claim To" date set as today and that will work out the 8% interest from the date of account closure to today's date.

 

StatIntSheet v101.xls

[tonylawlor]

I've filled in the FOS running PPI form and have figures in the Award calculations section.

where do i out these figures in the StatInsheet.

Date of charge=

Description =

Amount of Charge=

 

And is claim from when i started the egg card.

thanks for help...

[ims21]

I've filled in the FOS running PPI form and have figures in the Award calculations section.

where do i out these figures in the StatInsheet.

Date of charge= The date the account was closed and paid off

Description = something like "balance overpayment"

Amount of Charge= The difference between the balance that was paid off and the reconstructed balance

 

And is claim from when i started the egg card.

 

"Claim From" date will be the date you closed the account

thanks for help...

 

ims