Egg/Canada Square Rejection

[Inertia Creeps]

Hi there.

I just wondered if someone could advise me with regards to PPI claims.

 

I opened an account with Egg in 2001 with regards to an Egg loan and a credit card.

 

I believe that I was paying PPI on both,

however I do not have records of these accounts.

 

In 2005 I entered a DMP and finished paying off all my creditors by December 2009.

 

Do you think it is possible if I can claim mis sold PPI from back then and how would I go about asking Egg for an SAR

seeing as they are no longer trading?

 

I see they were taken over by Barclays and Yorkshire building society.

 

I also had a Barclayloan and credit card

 

however I still have paperwork for these so I still have account numbers for these.

 

These were taken out in 2003 and 2004.

 

Is there a time limit to PPI claims?

Thanks for any advice given, it would be much appreciated.

[dazza12]

Egg is now Barclaycard. Any SAR and subsequent PPI complaint needs to be directed to them.

 

Also, there is no time limit for PPI complaints. It may be an issue getting details for accounts older than 6 years depending on the financial institution, but it's worth sending an SAR to get the information that you need.

[Inertia Creeps]

I already have an SAR from Barclays with regards to my loan and credit card for them and I have proof that I paid PPI for those. So I would need to send off for it again asking with regards to my Egg accounts? Would they even hold the info on the Egg account from 2002? Find it hard to believe that Barclays would pay out PPI on loans and credit cards that did not originate from them!!

[dx100uk]

when did you sar them?

 

dx

[Inertia Creeps]

Hi there

I wish to claim back the mis sold PPI on my Egg Loan and credit card which both accounts date back to 2001. I have been informed that I need to send an SAR to Barclays although since researching on these forums, I have heard that Barclays only took over from active accounts in 2006 and at that point my accounts we sent to a dmp. Any advice as to where I am sending the SAR?

Thanks.

[Inertia Creeps]

Back in late 2009 and recieved in March 2010. No references to any Egg accounts as I have just trawled through both SAR requests on my Barclaycard and Barclayloan. I "think " I may have found Egg account details through paperwork that I had from Payplan DMP although I'm not 100% sure.

[dx100uk]

thats about the time of the transfer to BC/YB.

 

give BC a ring and ask.

 

problem is

most paperwork only has to be kept for 6yrs.

 

dx

[Inertia Creeps]

I've just done a bit more research and have somehow ended up at the citibank website which says that if my Egg Money or credit card was closed before October 2011

then I have to send a PPI questionnaire to Canada Square Operations.

 

I have never heard of them.

 

I take it this is some sort of financial institution.

 

Would I be able to send them a SAR?

 

Or shall I just send the questionnaire with my account details and fill in as much as I can.

 

I also have ready them seem to be very guilty of using pre-ticked boxes!!

 

Btw thanks for your responses so far, very helpful

[dx100uk]

i was going to suggest that avenue

 

type in canada square and send them an sar

 

dx

[miamidancer]

Hi,

 

My daughter has just received her SAR details regarding EGG last week, the address she sent the letter to was:

 

Canada Square Operations

PO Box 4903

Worthing

BN99 3AR

 

Hope this helps

[miamidancer]

Hi lil miss cheeky pink,

 

 

 

This was a credit card my daughter took out in May 2005 and was converted into a loan in 2008.

 

She gave all address links to the account as she did'nt even know the account number of the card

 

She has received all the SAR details requested.

 

Hope this is of use to you.

 

Good luck

Edited April 5, 2013 by miamidancer

[Inertia Creeps]

I sent an SAR request to Egg at the Canada Square address on the 11th March 2013.

On the 20th March I received a letter from them saying that I needed to send documentary evidence of my current address as it did not match the address they had on file. They also returned a copy of the cheque I sent them with cancelled stamped across and asked me to provide another.

I've sent off all documentation required but does this mean I know have to wait 40 days from the reply I sent or is it still 40 days from my original letter?

 

40 days is now approaching and no SAR received and 2nd cheque not been cashed either. I did send the 2nd letter recorded but unfortunately I have lost the proof, but I do still have proof for the original letter.

[Inertia Creeps]

After finally obtaining my SAR from Egg Banking, I am looking to claim back PPI from both an Egg Loan and credit card.

I have heard about Egg using pre-ticked boxes but I don't know when they did this. I took the loan and the credit card out in 2002.

 

The Egg loan was front loaded but I cannot find the reference to PPI on the credit card agreement although 3 months after having the credit card, credit card repayment protector was added to the statements.

 

I have also found another loan agreement which says it will be used to pay off the credit card and because I chose card payment protection, they have included it on the loan.

Could they be allowed to do that?

The agreement has 4 options, all options include repayment including PPI, there is none without it but one of the boxes has been manually ticked and I can only assume that I did that because I signed the agreement.

 

I have a reason for miss-sell, but do I say about the pre ticked boxes also?

 

Thanks

[Inertia Creeps]

Hi there,

This morning I received a letter from Canada Square saying that they are unable to uphold my complaint and consider the matter closed as it was an online sales process.

 

One of the reasons being was that it required to positively confirm that I wished to purchase this during the online application.

 

Now I know that the tick box issue was going on at this point, however it will be extremely difficult to prove that I did not tick this box - I'm adamant I didn't.

 

However, looking at my credit card agreement from my SAR request,

there is no mention of CRP or PPI being added to this account and my statements show no addition of this fee until 5 months after receiving the card.

 

I also had a loan with Egg to pay this card off,

which in the agreement cheekily says that because I had CRP on the credit card it will be added to the loan!

 

I have not received any decision on that loan but I can only make the assumption that will be turned down merely because I supposedly had CRP on the credit card.

 

I mentioned this all on the forms I filled in but I did not provide any documentation as I believed they would look at the information they already have and see that.

 

Any advice on what to do now?

Thanks.

[dx100uk]

then the claim is linked.

 

they know full well about the 'tick-box' issue

 

sev threads on here about it.

 

if this is your 1st reply

 

reply back stating they are wrong etc etc .

 

dx

[Inertia Creeps]

I'm thinking of going to the FOS instead of trying to reason with Egg because the letter said it would be their final response but I've just realised that the forms I sent them, I failed to copy them.

Can I still go to the FOS without a copy of these forms?

[cleo4patra]

just received 2 x letters from Egg for 2 x loans I had with them 2004 - 2006 -ish. Each letter same explaining I MAY have been mis-sold PPi on the loans. Each letter enclosed a questionnaire to be returned to Canada square .

 

I had forgotten about the PPI - however these were online applications. I have sent back the questionnaires

 

What chance do I stand for online applications

 

thanks

[dx100uk]

no diff

 

so you have all the details then?

 

dx

[Inertia Creeps]

just received 2 x letters from Egg for 2 x loans I had with them 2004 - 2006 -ish. Each letter same explaining I MAY have been mis-sold PPi on the loans. Each letter enclosed a questionnaire to be returned to Canada square .

 

I had forgotten about the PPI - however these were online applications. I have sent back the questionnaires

 

What chance do I stand for online applications

 

thanks

 

Go for it, they have upheld 2 of my 3 complaints. The 2 complaints were loans taken out in 2002 and 2004.