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Canada Square/Egg Card - Offer
rickymac2000
Posts: 1 Newbie
Hi, I am a newbie and I am doing it myself! This is my first claim and I have just had it upheld by Canada Square Operations regarding an EGG credit card I had approx. 10 years ago (no paperwork).
I had it 2-3 years and the balance would have crept to £3k in that time before I paid it off in full and closed it.
I just wanted to make sure these figures looked right and I'm not missing anything obvious, TIA.
CRP premiums paid £157.15
Refund of interest paid on premiums paid at contractual rate £17.66
Interest at the rate of 8% £128.20
Less be tax -£25.64
Final Payment £277.37
I had it 2-3 years and the balance would have crept to £3k in that time before I paid it off in full and closed it.
I just wanted to make sure these figures looked right and I'm not missing anything obvious, TIA.
CRP premiums paid £157.15
Refund of interest paid on premiums paid at contractual rate £17.66
Interest at the rate of 8% £128.20
Less be tax -£25.64
Final Payment £277.37
0
Comments
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Hello - I'm about to complain about PPI sold to me for both an Egg card and an Egg loan years ago. I have zero paperwork and both accounts were closed before the sale to Citi/Barclays.
Question is - do I just proceed with the complaint for both the card and loan and provide my historic addresses, or would I be advised to do a SAR first?
If a SAR is required, who would I address it to?
many thanks0 -
hedleylamarr wrote: »Hello - I'm about to complain about PPI sold to me for both an Egg card and an Egg loan years ago. I have zero paperwork and both accounts were closed before the sale to Citi/Barclays.
Question is - do I just proceed with the complaint for both the card and loan and provide my historic addresses, or would I be advised to do a SAR first?
If a SAR is required, who would I address it to?
many thanks
You don't need a SAR to make a complaint but if the account was closed that long ago there is a fair chance all their records will have been deleted in line with the DPA and may not have been transferred over.
You'd do best establishing if you even had PPI before you start complainingSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Thanks - I am 95% sure I had PPI on both the card and the loan. If my records have been deleted, and I don't have any documentation, what typically happens in that situation?0
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You can't complain about anything for which no records exist. If both you and the Bank have no evidence of a policy then any complaint is over before it's begun. Just being "95% sure" you had PPI won't cut it.hedleylamarr wrote: »If my records have been deleted, and I don't have any documentation, what typically happens in that situation?0
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