Egg, Lowells, Barclaycard help..

[di30]

Re: Egg, Lowells, Barclaycard help..

Am I writing the draft letter to go on the questionnaire form?

Can I email you copies of this form so you can just go over a few sections?
Question C3 asked if i have missed any payments or gone into arrears on this borrowing (does this inc credit cards??)

I have added a statement to this post as I can't work out the interest to add to the payments below.
Apologies in advance if I confuse you with all the info I put here as I'm a little blown away by all this lol..

PPI was just added to my account with no notice to me.
Credit card started 24.04.2002
PPI started, statement date:
7/10/04 - 7/11/04 £16.68
7/11/04 - 7/12/04 £16.84
7/12/04 - 7/1/05 £16.32
7/1/05 - 7/2/05 £16.34
7/2/05 - 7/3/05 £16.32
7/3/05 - 7/4/05 £16.33
7/4/05 - 7/5/05 £16.34
7/5/05 - 7/6/05 £16.34
7/6/05 - 7/7/05 £16.34
7/7/05 - 7/8/05 £16.35
7/8/05 - 7/9/05 £16.36
7/9/05 - 7/10/05 £16.36
7/10/05 - 7/11/05 £16.37
7/11/05 - 7/12/05 £16.36
7/12/05 - 7/1/06 £16.72
7/1/06 - 7/2/06 £17.40
7/2/06 - 7/3/06 £17.40
Total £281.17 + interest (not as much as i thought it was)
Notice of default letter received 23/1/06

I made a F&F of £300 Oct 2009 and another around may 2010 of £400 and obviously both were declined.

Hi

Thanks for your message, which I just got back to in regards of B1, 2 and 3.

It's best to write roughly of your info/reasons on what to put into the questionnaire.
So I would write all you can remember to the very best of your knowledge.

With the date, I note on the agreement it was 2005, so if this is the case then put in this date of the year will be fine.

Yes this includes arrears on credit cards as well, just like loan ppi.

I will point out though, even though its very useful to have the figures and calculations handy, you do not actually require these to apply to the reclaim questionnaire, they should however send these to you on request of a full detailed written breakdown, if your successful in your reclaiming.

No need to apologise lol.

I will see if I can get hold of someone to check the calcs out for you, but basically I can see that is the balance and on every payment you made of the ppi you should get back plus interest, this works differently to loan ppi interest to what I am aware of.

However, the ppi would have been within the balance when they sold the account on, and you would not have been able to use it anyway, this therefore needs to be deducted, you will need to mention on the form that the ppi is worthless to you and added to the debt and you feel it should be refunded back to you for this reason, as you have no use for it, and will not in the future be gaining from it.

[sam]

Re: Egg, Lowells, Barclaycard help..

(I would write a draft first of all your reasons, and make sure nothing is missed).

Am I writing the draft letter to go on the questionnaire form?

Can I email you copies of this form so you can just go over a few sections?
Question C3 asked if i have missed any payments or gone into arrears on this borrowing (does this inc credit cards??)

I have added a statement to this post as I can't work out the interest to add to the payments below.
Apologies in advance if I confuse you with all the info I put here as I'm a little blown away by all this lol..

PPI was just added to my account with no notice to me.
Credit card started 24.04.2002
PPI started, statement date:
7/10/04 - 7/11/04 £16.68
7/11/04 - 7/12/04 £16.84
7/12/04 - 7/1/05 £16.32
7/1/05 - 7/2/05 £16.34
7/2/05 - 7/3/05 £16.32
7/3/05 - 7/4/05 £16.33
7/4/05 - 7/5/05 £16.34
7/5/05 - 7/6/05 £16.34
7/6/05 - 7/7/05 £16.34
7/7/05 - 7/8/05 £16.35
7/8/05 - 7/9/05 £16.36
7/9/05 - 7/10/05 £16.36
7/10/05 - 7/11/05 £16.37
7/11/05 - 7/12/05 £16.36
7/12/05 - 7/1/06 £16.72
7/1/06 - 7/2/06 £17.40
7/2/06 - 7/3/06 £17.40
Total £281.17 + interest (not as much as i thought it was)
Notice of default letter received 23/1/06

I made a F&F of £300 Oct 2009 and another around may 2010 of £400 and obviously both were declined.

[di30]

Re: Egg, Lowells, Barclaycard help..

Sam........for some reason I gave you the HSBC bank address, oops sorry (now deleted), think its cos I had some dealings with helping others with these recently lol.

Right, to save me scrolling back on posts, you have to pursue the ones who sold you the account, do you already have the correct address for these?

[di30]

Re: Egg, Lowells, Barclaycard help..

Sam, we will get down to this once you are ready, but basically just as long as you have your reasons for a mis sell and the account number, you are then ready to go. (I would write a draft first of all your reasons, and make sure nothing is missed).

A Reclaim questionnaire is best used now, and reason being is that they can't try stalling on sending one out to you later.

Niddy as also added the link to the details of Credit Card PPI reclaiming above, and the questionnaire is also below as well.
http://www.financial-ombudsman.org.u...stionnaire.doc

Complete and send to the address below.....

Will post the address below now lol, sorry wrong addy added here so just deleted.

Complete to the best of your knowledge, and keep copies as well, you may need to refer back to this again.
Now normally they have 8 weeks, but they may write back to ask for more time.
The FSA have given the main of the businesses more time of around 16 weeks - but they may still come to a decision by or before then.

So basically whatever the refund will be, it may be that you could use this as a F&F.

[di30]

Re: Egg, Lowells, Barclaycard help..

Hi Sam

Cheers Niddy, yes that does seems to make more sense, Sam can then decide on the F&F when the amount is known on the refund.

Is this ok Sam?

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Hiya

Ok I have closed your other thread regards Egg, to try and contain everything into the same thread so we know where we are cos right now it's a wee bit confusing....

Ok, so with respect to Egg, you need to calculate all PPI paid then add interest to it. The easiest way is to use the MSE Guide here: ---> Credit Card PPI Reclaiming: £1,000s for mis-sold insurance...

However, you want to be deducting a PPi claim from the debt in part F&F so to be easiest, I would do a full reclaim with Di30 first and depends what comes back, depends on any F&F.

I'll therefore await you coming back to us with a total to reclaim, then we'll be able to move forward with this.....

[sam]

Re: Egg, Lowells, Barclaycard help..

I'll come back real soon...... then advise what I think might be best, if it was me in your shoes

Whistle lol

[di30]

Re: Egg, Lowells, Barclaycard help..

See what Niddy suggests first and we can deal with it from there.

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Just sit tight will you!

I'll come back to you ok? Bear with me - let me read your email first......

I deal with over 100 diaries mate, unfortunately my brain also has to compensate a life, a job and varying other sites / interests so I need reminding now and again and can't spend hours reading historic posts so if I need summat, and ask for it, it's for a reason - not just to be awkward.....

I'll come back real soon...... then advise what I think might be best, if it was me in your shoes

[sam]

Re: Egg, Lowells, Barclaycard help..

OK it looks like i'm going down the F&F route so will be reclaiming this PPI.
Do I do it now or after the debt is settled as EGG don't own the debt anymore?
Where do I send the PPI reclaim to EGG or Barclaycard, as i read somewhere that BC own EGG now???
How do I work out the interest?
Do we have a reclaim teplate on here too?

Thanks in advance..

[sam]

Re: Egg, Lowells, Barclaycard help..

Asking for info and a SAR doesn't acknowledge the debt, it is asking for info about you and also asking for whatever other info, however it does depend on the wording of the letters you sent....?

Might be best to scrap SB then, it's really up to you - you know what you've previously done, I don't i'm afraid....

Lol Niddy you've been helping me all along pretty much on this one..
EGG agreement - allaboutFORUMS

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Even though I did an SAR request 2008 and then keep sending them letters stating they haven't supplied me with the requested information?

I think the default was placed Feb 2006

Asking for info and a SAR doesn't acknowledge the debt, it is asking for info about you and also asking for whatever other info, however it does depend on the wording of the letters you sent....?

Might be best to scrap SB then, it's really up to you - you know what you've previously done, I don't i'm afraid....

[sam]

Re: Egg, Lowells, Barclaycard help..

Sorry guys,

My apologies, the last abbreviated version of events as told by sam helps explain things a LOT more. Basically Lowells are doing their 6yr check, ie they always aggressively chase people in the last year prior to SB.

Basically, change of plan - DO NOT CONTACT THEM or acknowledge this in any way! If they write to you do not open and return to sender

You only have a couple of months to see it through.....

Even though I did an SAR request 2008 and then keep sending them letters stating they haven't supplied me with the requested information?

I think the default was placed Feb 2006

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Sorry guys,

My apologies, the last abbreviated version of events as told by sam helps explain things a LOT more. Basically Lowells are doing their 6yr check, ie they always aggressively chase people in the last year prior to SB.

Basically, change of plan - DO NOT CONTACT THEM or acknowledge this in any way! If they write to you do not open and return to sender

You only have a couple of months to see it through.....

[di30]

Re: Egg, Lowells, Barclaycard help..

I haven't paid a penny since 2007 and am trying to go for unenforceability on the account so I doubt i'll be claiming for anything lol.
i maybe going in for a full and final but wanted to know whether to go in for it before I pay the full and final or after.
And who to claim it from.

Hiya
Arh I see.
I will ask Niddy about this then, as I do not have a clue about unenforceability side of things.