Credit cards PPI

[pink1808]

Arggh, losing the will to live with EGG

 

Just phoned them as I have not had a reply as per their letter saying they would be in touch before the 14 Nov, only to be told that it is not upheld due to my husband applying on line and agreeing to PPI.

So i told them in a very nice way I wasn't happy at all, taking in to consideration that I send a copy of the credit agreement back with the questionnaire and there was nothing to sign concerning PPI and also stated that he gets full sick pay and the policy would have been useless unless they still paid you on top of you getting it.

So he said oh ok well I will resend you the letter and then you can write back to tell us why you disagree:| so I said well can you get the ball rolling first until my letter arrives as not to be rude but you take forever to updated files and even longer to reply hehe, he said he has logged my complaint and will get them to look into it:wink: but going to write the letter anyway to repeat what was said.

 

My husband applied for the card on line (so they say) and was unadvised sale, I have heard so many people saying that the box was pre ticked back then (2000) is this the case or is it just rummer ?

 

Any advice would be helpful

 

Thanks

Edited November 19, 2012 by pink1808

[ims21]

Yes...many companies operated pre-ticked boxes with their on line applications.

[ims21]

Also see here

 

http://www.fsa.gov.uk/library/communication/pr/2007/084.shtml

[pink1808]

Quick question who would I send a SAR to would it be Barclay card for my old EGG account which is still active but will Barclay card still have records dating back from 2000?

 

 

Thanks

[ims21]

Sent SAR to BC.

 

They may baulk at giving you data beyond six years old but see what they come back with first...we have seen that they can provide older data when pressed.

[pink1808]

Thanks

well they must have something because as above they have rejected my claim, saying I agreed to PPI (don't know full reasons yet until i receive the letter)

 

I only wrote to them on the off chance, as Egg was on line all my statements were on line so cant go back and check, so I thought I might as well send a SAR as I am waiting, am I right in thinking they have 40 days to send me the stuff? and if possible could you give me a link where to find a SAR template letter?

 

Many thanks

[ims21]

Template SAR is here

 

http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

 

Just amend to suit.

 

They have 40 days to comply.

[pink1808]

Thanks will get that done today ready for husband to sign tonight (guessing I can put my Barclay cards on there also? )

[ims21]

No

 

You are a different data subject if his accounts are in his name and your accounts are in yours. In that case you will need to do your own SAR.

[pink1808]

oops I did my husbands old Barclay cards not mine.

[pink1808]

Hi sorry me again :/

 

Do i send the SAR to the registered office address at the bottom of the letters

 

1 Churchill place

London

E14 5HR

 

or

 

to where the letter came from

 

Barclaycard

Customer Relations Department

PO Box 9131

51 Saffron Road

Leicester

LE18 9DE

 

 

 

 

Many thanks ( i promise to let you be now)

[ims21]

I always favour sending SAR to the Data Controller at the Registered Office.

[pink1808]

I always favour sending SAR to the Data Controller at the Registered Office.

 

Thanks thats what i thought

[pink1808]

Arggh, losing the will to live with EGG

 

Just phoned them as I have not had a reply as per their letter saying they would be in touch before the 14 Nov, only to be told that it is not upheld due to my husband applying on line and agreeing to PPI.

So i told them in a very nice way I wasn't happy at all, taking in to consideration that I send a copy of the credit agreement back with the questionnaire and there was nothing to sign concerning PPI and also stated that he gets full sick pay and the policy would have been useless unless they still paid you on top of you getting it.

So he said oh ok well I will resend you the letter and then you can write back to tell us why you disagree:| so I said well can you get the ball rolling first until my letter arrives as not to be rude but you take forever to updated files and even longer to reply hehe, he said he has logged my complaint and will get them to look into it:wink: but going to write the letter anyway to repeat what was said.

 

My husband applied for the card on line (so they say) and was unadvised sale, I have heard so many people saying that the box was pre ticked back then (2000) is this the case or is it just rummer ?

 

Any advice would be helpful

 

Thanks

 

Well rang EGG again last Friday as I still haven't had my no in writing and asked them where they are on having a look at it all again due to my credit agreement doesn't have a box to tick agreeing to PPI or my husband having full sick benefits and they said we have looked and we are standing by what we say and still not up holding and says they have wrote to us again !!!

So Just filling in FOS questionnaire, I have been waiting for 2 weeks now for them to send in writing their reasons why .

 

Update on RBS, wrote back asking them to show me a breakdown on the offer, sent it recorded delivery on the 17/11 and looks like royal mail have lost it so sent a copy again on the 27/11 and that still hasnt been delivered so looks like royal mail have lost that also !

 

Had a reply from Freemans catalog asking me to fill in questionnaire so done that and will post tomorrow.

 

so far I have send my house of fraser, my Halifax to FOS and looks like EGG card and had no reply from Barclays about the other Barclaycards so they will be going also, just feels like I am hitting one brick wall after another (not as easy as I first thought)

[Jedicris]

I know it's not much of a consolation for the frustration, but don't forget to claim against the Post Office for the lost mail.

[pink1808]

I know it's not much of a consolation for the frustration, but don't forget to claim against the Post Office for the lost mail.

 

Hi thanks yes I plan to, you have to wait 15 working days just makes you mad

[pink1808]

Sent RBS the letter with copies of rates and also a copy of the spreadsheet and got a reply today.

 

"I would like to confirm that the offer we made is in line with the FOS and FSA guidance and takes into account the PPI paid plus the interest applied to them. the offer was made in full and final settlement of your complaint.

 

I hope this clarifies out total offer that we believe compensates your claim."

 

 

Question is as this was a goodwill offer and i know the offer doesn't stand if i go to the FOS, what happens if FOS decides not to uphold and i loose out all together, so should i just take the offer ?

 

(many thanks for any thoughts)

 

Well just got another letter from RBS saying that they have noticed when I sent my spreadsheet I included a few statements to show my interest rates and as they don't have any records of my account anymore could I copy all statements I have and send them so they can recalculate my offer !!!

 

A few questions spring to mind here

 

first they write with a goodwill offer and a estimate of interest rate charges

 

so I write back with a few copies of statements to show what interest rates I paid also a spreadsheet showing payments and so on

 

They write back saying " I would like to confirm that the offer we made is in line with the fos and FSA guidance and takes into account the PPI paid plus the interest applied to them. the offer was made in full and final settlement of your complaint.

 

I write back asking for a breakdown of there offer

 

They write back saying I must send all statements I have as they don't have any numbers

 

(hope I haven't lost you here hehe)

 

so question is if their offer was for what PPI was paid where did they get the number from if they don't have any numbers ???

 

or are they hoping I don't have statements so they can stand by their offer ?

 

May I add I have 29 statement and they rest I have bank statements showing payment to them which was set up for direct debit at min payment so I have some sort of prof .

[ims21]

They may well have used estimated figures to get an offer of redress.

 

Wouldn't hurt to send them copies though. (You could say that you will supply them for a £10 charge but that might be pushing it a bit )

[pink1808]

(You could say that you will supply them for a £10 charge but that might be pushing it a bit )

 

 

Haha don't think i will push my luck

 

thanks

[pink1808]

Hi me again :/

 

Just looking for a bit more advice please

 

does anyone know who the underwriter was for house of fraser insurance in 90/2000 ?

 

Also sent a SAR request to Barclay for the 3 accounts My hubby had with them and they have sent back details for just one (old egg card) and no for the barclaycard gold & Platinum do you think they will send sepratly or should have been all together, they must have details as they have not upheld after looking into the accounts.

 

Many thanks

[kaz320]

Hi

 

If you still have some of the monthly statements from Santander send them a copy of about three and they will pay out compensation because they pay out a standard amount. If you do not have any statements there is nothing you can do because they only have to keep information for 6 years.

[pink1808]

Hi thanks for the reply I did send santander copies of all statements I had and they still insisted they couldn't do anything due to them not having any records, so sent it off to FOS and they need to know the underwriter so we can complain to them.

[pink1808]

Stll waiting for rest of info from barclaycard SAR they have sent me some info for old EGG 2006-present but nothing before them dates and nothing from barclaycard is this classed as a failed SAR (they havent cashed the cheque) if so could someone please link the failed SAR letter template (cant seem to find it)

 

Many thanks

[pink1808]

Hi me again, little updates so far

 

I have got 3 with FOS

my Halifax

My husbands Egg and old barclaycard

 

I received a letter last week from FOS saying they have upheld the EGG and have wrote to barclaycard asking them to pay out , firstly I thought great but then I started reading on the forums and can see that Barclaycard have a reputation for still saying no and dragging it on and on with the FOS has anybody else had problems like this when the FOS have said they should up held?

 

Many thanks for any info.

[pink1808]

Hi wonder if anybody can help?

Contacted Barclays for the rest of info I ask for when I did a sar to see if I can work out what the old egg PPI would be as Egg was on line and I dont have copies of statements I cant work this out without them so will not know if what they are offering (if they do ) is fair or not, I am just wondering I have all my old bank statements and I know the direct debit was set up for the min payment so I know what I paid each month would I be able to use this as back up ?

 

 

Any help would be very much appreciated

 

Thanks