Barclays/Egg - tired and confuzzled

[tabernus]

Hello people, I apologise for starting a new thread but I'm getting myself increasingly more confused by reading other peoples (forgive me I've just come off nights).

 

I had a Barclays Student CC (lets call that CC-A) and also an Egg CC, which was sold to Barclays (lets call that CC-B). Both of these are still active with Barclays.

 

I wrote to Barclays asking for information about the accounts which they studiously ignored for three letters but have finally got back to me.

 

I am a disorganised soul so I don't actually have the details of when I took out the CC's but I think the CC-A was about 1998 and CC-B was about 2004

 

What Barclays have posted back to me makes little sense. . . .

 

They only seem to have responded about the CC-B account (they sent a letter saying they are 'looking into' the other one) and have sent me two documents (separately), one is the original CC agreement for Egg, and the other is the standard agreement for Barclays. However neither contain any information about me, they are just generic, for example they don't say when I entered into the agreement and I was expecting them to. And neither say anything about PPI.

 

What do I do next?

 

I can see why people get companies to do this for them!!

 

Many Thanks

 

T

[BRIGADIER2JCS]

Hi if you want all the data a creditor holds on you and your accounts you need to make a Subject Access Request under the Data Protection Act 1998,

this requires the creditor to supply ALL the data on ALL the accounts you have with them within 40 calendar days.

There is a template in the CAG library for you to use, there is a statutory fee of £10.00 to pay.

 

Send the SAR to the Banks head office addressed to the Data Controller, use recorded delivery and check delivery date.

[citizenB]

The purpose of your request is obviously to establish the date(s) of opening and also if there was any PPI added, yes ?

 

The date(s) of opening should be part of the SAR.. the PPI, you should be able to see from a statement if that was added as it will be a specific / separate entry.

[tabernus]

Thanks for your assistance - so if no PPI is mentioned is it worth pursuing getting the rest of the info?

[citizenB]

Oh yes, a Subject Access Request is probably the best £10.00 you will ever spend in respect of information held on you by a creditor!

[tabernus]

Oh yes, a Subject Access Request is probably the best £10.00 you will ever spend in respect of information held on you by a creditor!

 

righty oh ... let's do that then.