I took out an Egg Card in September 2003, almost instantly transferred a balance onto it. For 12 months there was no 'Credit Card Repayment Protector'. Then all of a sudden there it was, now I know full well that I wouldn't have contacted them to add it on. Any idea why they might have suddenly included it? There was a 6 month interest free period, interest kicked in from April 2004. There doesn't appear to have been a specific outstanding balance that triggered it. Mis-sold? Seems more like it was just added on without actually telling me. Anyone seen this before? Many thanks Phil

Fair enough, I'll give them the balance of their 40 days before responding

Thanks Martin

The date on that is a bit misleading as I didn't post it (dated correctly) until September 15th, so they have come back in about 20 days They haven't banked the cheques.......yet! I think I may have pinched the letter template from here, sorry! Does anyone have a non compliance template that can be used?

Thanks Martin Below is the letter I sent. RE: DATA PROTECTION ACT 1998: SUBJECT ACCESS REQUEST – name & dob removed Date: 22nd August 2012 Dear Sir/Madam I understand that you currently hold details of my personal and financialinformation within your internal record systems with regard to personal loanaccounts and credit cards accounts I would be grateful if you would provide the following for ALL accounts orassociated accounts I hold or have held with your organisation: Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same. A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organisation. Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me. Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations. Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager, and/or payment/commission from the insurer in relation to my account. Whereyou have used abbreviations and/or codes, I would request that an accompanyingsheet be provided so as to translate these abbreviations and/or codes and theirmeanings, I also request an accompanying appendices of the documents includedand reference to the purpose or meaning to those documents. I request that you provide all the information requested above, even though youmay consider that it falls outside Data Protection. I reserve the right to refer to the contents of this letter if an applicationfor pre-action discovery is necessary relating to any of the documentsrequested herein. I enclose a cheque in the sum of £10 to cover your fee. IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD ITTO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION. I look forward to hearing from you in the first instance of receipt. Yours Faithfully. Name and previous addresses removed

My feeling is that if they had nothing to hide they would have submitted the information. Also, they aren't actually answering the SAR, just using a piece of legislation in place as their initial fob off. My claim is due to being told that the interest rate would be less favourable if I didn't take the PPI, my wife's is because she was told that it was an integral part of the credit agreement.

Thanks FS. This is what the letter says Dear Sir Thank you for your recent request for an executed copy of the credit agreement for account number XXXXXXXX with Canada Square Operations (formerly known as Egg Banking plc) under section 77 (1) of the Consumer Credit Act 1974. As the account you refer to is now closed I have to inform you that Canada Square Operations are under no obligation to comply with a request for a copy of the executed agreement under the CCA as we no longer have a contractual relationship relating to this account, nor are we seeking to enforce any agreement on the account. The right to be provided with this information from Canada Square Operations ended with the closure of this account. Section 77 (3) (a) of the CCA states that section 77 (1) does not apply where 'no sum is, or will or may become, payable by the debtor.' The right to request an executed copy of an agreement is found in part VI of the Act, which is entitled 'Matters arising during currency of credit or hire agreements'; so where an agreement is no longer current the right to request or be provided with a copy of the executed agreement therefore ceases. Yours sincerely

Hi guys My wife and I both want to make PPI claims against Egg for loans repaid 3-4 years ago. I used the SAR template from this site. Today We each received a letter, both said that due to the accounts being closed they are not obliged, under the consumer credit act, to provide the information. They did however confirm the account numbers, so they have the info. Where do I go from here? We both know we have a case. Thanks Phil