Egg Credit Card (Barclaycard

Tiggywig

Hi I wonder if anyone could help me?
I am just in the process of checking all the Loans and Credit Cards that I have had over the years to see if they had PPI on them. I definately had an Egg Credit Card and I know that is now under Barclaycard. However, I have just spoken with Barclaycard and they can find no information at all about my Egg Account????? What do I do know? Surely the Banks/Card Companies have to keep all this information? What is my next step? Thank you!

-taff

No they don't, they only have to keep it as long as necessary.

There is only one option left to you and that's to send a SAR and £10 to Egg to see what information is left.
If that comes back with nothing, your complaint is over.

StirlingDave

I had an Egg credit card which passed onto a still active Barclaycard. When I asked Barclaycard for information, they sent me the complete records of when I first took out the card with Egg. This makes me think Barclaycard have all the information you would need. When I processed my claim, there was a box on the questionnaire I filled in asking which company I took the insurance out with, which including Egg.

If you have details of your Egg account then Barclaycard should have it if it converted into a Barclaycard. Did you close the account before Barclaycard bought Egg? If so, you might want to look into whether Barclaycard bought the whole business or just the current customers at that time. I have no idea, but it could explain why they have no details.

If it converted into a Barclaycard and you know that Barclaycard number, claim PPI based on that account. That's what I did and the system seems to work. You don't need to do the Egg account number if you know the Barclaycard one it was changed to.

Nasqueron

StirlingDave wrote: »

I had an Egg credit card which passed onto a still active Barclaycard. When I asked Barclaycard for information, they sent me the complete records of when I first took out the card with Egg. This makes me think Barclaycard have all the information you would need. When I processed my claim, there was a box on the questionnaire I filled in asking which company I took the insurance out with, which including Egg.

That highlighted bit is the key StirlingDave - your account is still active that is why they still have records.

For closed accounts they only have to keep data as long as "reasonably necessary" which is 6 years to the finance industry in normal cases.

Now it is possible that they have the old data in an archive that front line staff cannot see, the £10 SAR request will prove that either way - if no paperwork, no complaint (as you cannot prove you paid anything, thus cannot claim a refund of miss-sold premiums) but the £10 gamble is for the original poster to decide on.

StirlingDave wrote: »

If you have details of your Egg account then Barclaycard should have it if it converted into a Barclaycard. Did you close the account before Barclaycard bought Egg? If so, you might want to look into whether Barclaycard bought the whole business or just the current customers at that time. I have no idea, but it could explain why they have no details.

If it converted into a Barclaycard and you know that Barclaycard number, claim PPI based on that account. That's what I did and the system seems to work. You don't need to do the Egg account number if you know the Barclaycard one it was changed to.

This will be the reason that the staff have said there is no record - the account was either

a) closed before Barclays bought egg in May 2011 - so doubtful any records were moved over
b) closed soon after they bought egg and would have probably archived it - SAR might bring up some details

Do note also, proof of payment is not proof of miss-sale (though an exception would be if it was taken out in the period where egg had a pre-ticked box which FOS don't like) - if there is proof of payment, then look for miss-sale reasons

Mark19667

How do you actually make an SAR?

[Deleted User]

Mark19667 wrote: »

How do you actually make an SAR?

You write a letter enclosing £10 payment and request all details they have kept on file for you. Provide as much detail as possible (addresses and account numbers etc), so that they can find you.

There are no guarantees and the £10 is not usually refundable.

Nasqueron

Link here with a template letter you can copy - just fill in your details and provide as much as you can such as address at time of card issue, any old names, as much as you can provide to help them find you.

Cheque or Postal Order for £10 must be included

Do note as Moneyineptitude has stated the fee is likely non-refundable and can produce a load of data formatted for internal use, there is no obligation to make it reader friendly

https://forums.moneysavingexpert.com/discussion/1475553