Help with reclaiming PPI from old Egg account?

Rebeccalstellina40

Both my husband and myself each individually had an Egg loan and an Egg credit card in the past. My loan was taken out in 2004/2005 and I would like to know if I unwillingly paid ppi on my account. I have no paperwork or account number. After contacting the bank (which has now taken over from Egg) with my name and address details at the time, they are telling me that they can not find records of my account. My husbands attempt was the same. Is there anything we can do to retrieve the account information and therefore check if ppi was paid?

[Deleted User]

If you don't have a record and neither do they, than no.

You could gamble £10 on a SAR if you feel they have something in the depths of their files somewhere.

LuxuryWoman

My partner was approached by the bank about his old Egg card from about the same times as yours and he got repaid. I decided to ask them to take another look at my old account, again from around 2004 where previously they told me they had no record and 4 weeks later they repaid me 2,5k. I filled the form on 31st Dec 2016 and they settled 2 weeks ago. (the covering letter had my account number on so it wasn't just a pay to go away payment)


How recently did you ask them to check? Another friend of mine has had a letter asking her to get in touch as they feel she might have had PPI, I wonder if they are doing some kind of audit.


Anyway, it may be worth asking them to take another look based on my experience.

Nasqueron

LuxuryWoman wrote: »

My partner was approached by the bank about his old Egg card from about the same times as yours and he got repaid. I decided to ask them to take another look at my old account, again from around 2004 where previously they told me they had no record and 4 weeks later they repaid me 2,5k. I filled the form on 31st Dec 2016 and they settled 2 weeks ago. (the covering letter had my account number on so it wasn't just a pay to go away payment)


How recently did you ask them to check? Another friend of mine has had a letter asking her to get in touch as they feel she might have had PPI, I wonder if they are doing some kind of audit.


Anyway, it may be worth asking them to take another look based on my experience.

The banks are sending out letters inviting people to complain to allow them to time bar future complaints and get this whole thing closed off once and for all. If they sent your partner/friend a letter then they have records of your account, if they have no record of the OP then they won't pay anything.

As above, all the OP can do is gamble £10 on a DSAR if they don't believe the firm about them not having any records. Each case is different, just because they had records for you doesn't mean they will for anyone else

LuxuryWoman

” The banks are sending out letters inviting people to complain to allow them to time bar future complaints and get this whole thing closed off once and for all. If they sent your partner/friend a letter then they have records of your account, if they have no record of the OP then they won't pay anything.


As I said though, when I first complained I was told they had no record of me, then they found me early this year, just think it may be worth another shot for the OP if they are willing to pay for a SAR.
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-taff

Egg cards seem to keep their data intact and a lot of it. Not so sure with Egg loans, but as above, you can send them a SAR and £10 - but that's Citibank.