OK, here's my latest.
Turns out I've confused myself about the loan and it was in fact taken out in 2004!!! I messaged Egg to try and get some further details and they replied with the following:
Your Egg Loan xxxxxxxx was taken out on 2 June 2004 and the amount borrowed was 11,295.00GBP. This included the cost of the Loan Repayment Protection policy, as it is a single premium policy added to the balance of the loan at the start.
Your monthly Direct Debit was for 196.20GBP and the loan was settled on 6 May 2010.
I sent a further message to say that I am most likely going to be sending an SAR and got the following back:
Even if you do send a Data Subject Information Request, we won't send you a copy of the original CCA, as the account is closed and settled. We have no legal obligation to send these on settled loans.
You won't need to the CCA to process the claim through Egg, as we have all of the application details. It is entirely up to you whether you still wish to submit the request.
Their main aim at the moment is to get me to say why I am complaining about the PPI, which I haven't said yet because I'm still not exactly sure how I applied for the loan and precisely what my complaint is. I know that others have been successful in winning claims for loans taken out around 2004 because there was a pre-ticked box, but I probably need to get the SAR just to check all the detail and be fully armed.
Is the stuff about the CCA correct? Given the detail so far, am I in a position to simply make a complaint on the basis I thought it would make it more likely for them to approve the loan? Should I go for the SAR and move on from there? So many questions!!!!!!!
Thanks