EGG agreement

[Angry Cat]

Re: EGG agreement

Have you claimed? If so with whom and what was the outcome, if not then when did you pay it from - until (approx)....

Please, answer the above, sam.

[CleverClogs (RIP)]

Re: EGG agreement

Have you claimed? If so with whom and what was the outcome, if not then when did you pay it from - until (approx)....

Please answer the above, sam.

And pick up thy musket, too.

[sam]

Re: EGG agreement

Have you claimed? If so with whom and what was the outcome, if not then when did you pay it from - until (approx)....

They started taking it Oct 2004 at £16.68 to Jan 2007 at £17.40.
Claimed as in claiming it back?

[Angry Cat]

Re: EGG agreement

They started taking it Oct 2004 at £16.68 to Jan 2007 at £17.40.
Claimed as in claiming it back?

Hopefully, your are also claiming back the interest that accrued on the PPI premiums:
Egg Card Historical rates

[Angry Cat]

Re: EGG agreement

2002.
Not sure I ever had a second card in fact 99% sure I didn't..

by sam:
They started taking it Oct 2004 at £16.68 to Jan 2007 at £17.40.
Claimed as in claiming it back?

If you applied for the card in 2002 and were still paying PPI premiums in 2007, then clearly you were supplied with a second (possibly a third) credit card token!

[sam]

Re: EGG agreement

Hopefully, your are also claiming back the interest that accrued on the PPI premiums:
Egg Card Historical rates

Nope claiming no interest never mind the ppi!! I have no clue how to go about it!
Anything I can do?

I only had one credit card I'm sure. Even if yhey did suply me with another card i still didn't agree to taking out ppi nor did I sign up for it.

[Angry Cat]

Re: EGG agreement

Nope claiming no interest never mind the ppi!! I have no clue how to go about it!
Anything I can do?

I only had one credit card I'm sure. Even if yhey did suply me with another card i still didn't agree to taking out ppi nor did I sign up for it.

Okay, we have now established that the terms of the original agreement were varied. Therefore, under the copy docs regs, reg 7, you would have had to be provided with a copy of the original terms circa 2002.
One wonders if, you have been provided with same or, if you have are they the correct 2002 issue?
Also, were the term varied correctly as per section 85?

Egg Card is now owned by Barclays plc, therefore you can reclaim your mis-sold or mis-applied PPI from Barclays, together with any associated contractual interest that accrued on those PPI premiums.

Hopefully, Niddy will agree with the above view?

[sam]

Re: EGG agreement

Okay, we have now established that the terms of the original agreement were varied. Therefore, under the copy docs regs, reg 7, you would have had to be provided with a copy of the original terms circa 2002.
One wonders if, you have been provided with same or, if you have are they the correct 2002 issue?
Also, were the term varied correctly as per section 85?

Egg Card is now owned by Barclays plc, therefore you can reclaim your mis-sold or mis-applied PPI from Barclays, together with any associated contractual interest that accrued on those PPI premiums.

Hopefully, Niddy will agree with the above view?

They sent me 2 sets of t&c's. One looks like the 2002 set and the other is an updated set which has an "interest" section in it and quotes 2008.
I defaulted 2006 so these sem to have been changed.
Ho do I claim my ppi back? can I still do it even though I've defaulted?
That could go towards my F&F offer..

[Never-In-Doubt]

Re: EGG agreement

Confused

This is like extracting teeth from a vampire!

You stated here ( #29 )that they started taking PPI in 2007 - yet above, you stated they defaulted you in 2006....

You need to clarify facts therefore for the time being, send one of these to Barclays so they can furnish you with accurate details cos right now we cannot afford to risk helping based on looking idiotic as we're really none-the-wiser....

Send this (with £10) Subject Access (SAR) - Advanced Request

Then update us when they respond, obviously DO NOT SIGN IT!!

[Angry Cat]

Re: EGG agreement

They sent me 2 sets of t&c's. One looks like the 2002 set and the other is an updated set which has an "interest" section in it and quotes 2008.
I defaulted 2006 so these sem to have been changed.
Ho do I claim my ppi back? can I still do it even though I've defaulted?
That could go towards my F&F offer..

Are you sure that the 2002 issue T&C's that you were sent, are the correct 2002 issue T&C's that, formed part of the credit agreement that you entered into?


You defaulted on the credit agreement in 2006.
Four years had passed, therefore the original terms of the agreement had of course been changed/varied.
Was your egg card, changed to egg card blue?

You can still reclaim your PPI premiums plus the interest that accrued.

by sam:
Could the PPI reclaim go against your F&F?

I would suggest that you calculate how much is owed to you re: mis-sold/mis-applied PPI.

[Never-In-Doubt]

Re: EGG agreement

You can still reclaim your PPI premiums plus the interest that accrued.

I would suggest that you calculate how much is owed to you re: mis-sold/mis-applied PPI.

Yes, agreed - however request a SAR first, to be able to accurately work out the figure owed...

Obviously, Sam, don't make any offers or anything as yet - send for the SAR then update us and we'll advise what to do / look for upon receipt

[Angry Cat]

Re: EGG agreement

Yes, agreed - however request a SAR first, to be able to accurately work out the figure owed...

Obviously, Sam, don't make any offers or anything as yet - send for the SAR then update us and we'll advise what to do / look for upon receipt

Absolutely agree, make a 'FULL' SAR request:
any and all historic data that relates to the account.

[sam]

Re: EGG agreement

Confused

This is like extracting teeth from a vampire!

You stated here ( #29 )that they started taking PPI in 2007 - yet above, you stated they defaulted you in 2006....

You need to clarify facts therefore for the time being, send one of these to Barclays so they can furnish you with accurate details cos right now we cannot afford to risk helping based on looking idiotic as we're really none-the-wiser....

Send this (with £10) Subject Access (SAR) - Advanced Request

Then update us when they respond, obviously DO NOT SIGN IT!!

Sorry about the conussion!
Post #48 is correct that I started paying PPI 04 - 07.
I defaulted on the accuont 2006 and was issued with the default then but I paid via the CCS until March 2007.

I have sent a SAR to Lowells and have all my statements, should I still send one to Barclaycard?

[sam]

Re: EGG agreement

Are you sure that the 2002 issue T&C's that you were sent, are the correct 2002 issue T&C's that, formed part of the credit agreement that you entered into?

No. How would I know?

You defaulted on the credit agreement in 2006.
Four years had passed, therefore the original terms of the agreement had of course been changed/varied.
Was your egg card, changed to egg card blue?

Never blue no.

[Never-In-Doubt]

Re: EGG agreement

Sorry about the conussion!
Post #48 is correct that I started paying PPI 04 - 07.
I defaulted on the accuont 2006 and was issued with the default then but I paid via the CCS until March 2007.

I have sent a SAR to Lowells and have all my statements, should I still send one to Barclaycard?

Oh! So surely from the statements you can establish exactly what payments you made etc - so you simply need to work it out and then speak to Di regards a PPI Reclaim.....