Refusal of copy of agreement

imraka

Can anyone help me with this one.

Following the advise on the MSE site I started the wheels in motion for my PPI claim. I wrote a letter to Egg who in turn replied they are not obligated to send me a copy of the expired credit agreement. Any suggestions on what I should do? Are they allowed to do this?

I tick all the boxes, loan expired less than 6 years ago, I was self employed, sold via the phone etc so I think I have a good claim

All help appreciated

Thanks

applecore_2

Hi imraka,

Well done for starting the process off. The first bit you have done is correct and yes they will say they cannot give you the information.

The next thing to do is request what is known as a "Subject Access Request" and put this in writing to their complaints department. Part of the request above is that they MUST by law provide you with all details relating to you and their company that they have on file. They will charge you £10 for this service (but if you think you have a strong case which it sounds like you do from your post, you should go ahead with it, small for big gain). The address to send it to them is below.

[FONT=Arial, Helvetica, sans-serif]Customer Relations Office
Egg
PO Box 9366,
Derby,
DE99 3AL

you should have a response within 40 days ( and again this is a legal requirement).

At that point you will have all the details you will need to submit a claim for PPI refunds.

Good luck and I wish you all the success.

Edit: Remember to add the £10 cheque in your letter and make sure that the letter is send signed for (not necessarily next day guarentee thingy) so you have proof that you have sent them the letter and they must action it.
[/FONT]

biondani

Sounds like EGG are taking lessons from Capital One. See my thread for an explanation lol.

Ian

marshallka

Maybe better to SAR them instead. This should bring up your agreement.

imraka

marshallka wrote: »

Maybe better to SAR them instead. This should bring up your agreement.

Pardon my stupidity, but can anyone tell me what an "SAR" is?

Thanks

PS. thanks for the info:j

imraka

applecore wrote: »

Hi imraka,

Well done for starting the process off. The first bit you have done is correct and yes they will say they cannot give you the information.

The next thing to do is request what is known as a "Subject Access Request" and put this in writing to their complaints department. Part of the request above is that they MUST by law provide you with all details relating to you and their company that they have on file. They will charge you £10 for this service (but if you think you have a strong case which it sounds like you do from your post, you should go ahead with it, small for big gain). The address to send it to them is below.

[FONT=Arial, Helvetica, sans-serif]Customer Relations Office
Egg
PO Box 9366,
Derby,
DE99 3AL

you should have a response within 40 days ( and again this is a legal requirement).

At that point you will have all the details you will need to submit a claim for PPI refunds.

Good luck and I wish you all the success.

Edit: Remember to add the £10 cheque in your letter and make sure that the letter is send signed for (not necessarily next day guarentee thingy) so you have proof that you have sent them the letter and they must action it.
[/FONT]

Applecore, Thank you so much for your treasure trove of helpful information, will let you know how I get on.

Damn, I love this forum:rotfl:

di3004

imraka wrote: »

Pardon my stupidity, but can anyone tell me what an "SAR" is?

Thanks

PS. thanks for the info:j

Hi there

A SAR is in short for Subject Access Request, and you have the right under the Data Protection Act (DPA) to request for all data they still hold on you.
Even though they should hold data going back the last 6 years, they sometimes still hold data going back to even earlier years.
There is a letter template for this below/tweak to your requirements and enclose £10 cheque or postal order, they then have 40 calendar days to comply.
https://forums.moneysavingexpert.com/discussion/1475553

julcan

I have also started the PPI process and recieved aletter refusing my credit agreement ,thanks to the forum adice I will also request a SAR and will keep the forum informed.:beer:

imraka

di3004 wrote: »

Hi there

A SAR is in short for Subject Access Request, and you have the right under the Data Protection Act (DPA) to request for all data they still hold on you.
Even though they should hold data going back the last 6 years, they sometimes still hold data going back to even earlier years.
There is a letter template for this below/tweak to your requirements and enclose £10 cheque or postal order, they then have 40 calendar days to comply.

Di, god only knows how you know so much but you are a shining light in this forum! Keep seeing post after post of your help which is invaluable. THANK YOU....
:T

imraka

Just written my SAR and look forward to posting that recorded delivery tomorrow. I must admit this PPI reclaim is strangely addictive, knowing the shoe is now on the other foot, PRICELESS!

Long live MSE! :money:

imraka

Cannot believe it was really this easy!!!!
Well having joined the site only recently I was not really sure if it was going to be worth it. Having taken the advice of all the helpful and lovely people on the forum, as well as downloading the template for Loan PPI reclaim, I have had a great result.

I was claiming for a loan with Egg, which ended in 2006, as I was self employed at the time I thought I would have a good case to reclaim.

Initially I submitted a request for information on my loan and was refused. Luckily I had kept a statement so I knew exactly how much I had paid etc.
I was told by one of the members to request a DSIR (Data Subject Information Request) which I did.

What I am most amazed about, is the fact that I did not even get the chance to say I had been mis-sold PPI, when a cheque dropped through my door.

I am so pleased with this result. It is like they did not even contest it and paid up without me asking! Happy Days
It was such a good feeling to get one over on the banks

I got a cheque for £1381.31 which included compensation and interest on the initial £824.17 PPI payment :j

God bless Martin Lewis, The forum and all the members.
If there is anyone out there having doubts, just go for it what have you got to lose!

:money:

God bless!