Hi all, I've an old egg credit card that has been in default since June 2007. I've heard nothing about this for years until very recently when I received a letter from Marlin demanding payment. Having read through the related posts on the forum I'm a little confused about my best course of action. The debt is so close to being statute barred that I'm concerned that if I do anything I risk resetting the time clock on it. On the other hand, I don't fancy being taken to court if I don't do anything. Also, the letter I received was to my old address (my parent's place). Marlin don't have my new address yet. Does this have any bearing? So far my plan is: a) Send Marlin a prove it letter and waiting for a reply b) Then send them a CCA request letter and take it from there Does this seem like the right approach? Any other suggestions? Thanks, Jack

Hi Everyone, I'm hoping for some advice, I have been chasing Barclaycard for what seems forever to try and reclaim PPI and Charges on an old Egg card. I took the card out in October 2004 and it went into default about a year later. Eventually I received the SAR information and had £60 worth of charges, and a couple of hundred pounds of PPI premiums. In addition to this, there was a two page list of tranactions relating to the November 2004 transactions, if I add up all of the transactions and add them to the opening balance, there is a £611.40 difference between my total and the closing balance. It may be that the transactions have fallen of the bottom of the page, but I would obviously like to know the details in case there are any charges of PPI premiums in there. I sent in three seperate letters in the same envelope, requestinging the refunding of the PPI, the Charges with interest, and the details of the missing £611.40 and that if they cannot provide me with this information then that element of the debt should be removed. Yesterday, I received a leter from Barclaycard advising that they could not establish if the CRP policy on my account had been mis-sold so they would like to return me to my original position. They offered the following: - Refund of Premiums: - £278.01 Refund of Interest charged on CRP Premiums : - £12.31 8% Simple interest per annum: -£174.19 As I am still in debt to them, they have said that the Refunds will be deducted from my debt, but that I will receive the Simple interest. This seems fair, however, I also received a second SAR information pack from Barclays yesterday, relating to an old Barclaycard. This included details of a the Egg card, with a balance of £0.00. When I went back further, I found a statement for the 1st December 2011, which had the following entries: - Closing balance of last statement £1,708.87 CHRGOFF PRCH PRIN BALM, 04 NOV £1,708.87 TOTAL OF NEW TRANSACTIONS £1708.87CR The present balance is shown as £0.00. I am currently paying approximately £20.00 per month to CapQuest, and the account says on some of the card holder account details print out that the account became delinquent at the end of 2011. Please can anyone clarify if I still owe Barclaycard money, or if it has been sold on to CapQuest? If the debt has been sold on, can Barclays withold the refund of premiums agains the det??? I have also spoken to Barclaycard requesting that they refund the cost of my numerous calls and letters and have been told that I will receive a call back within 48 hours to discuss this. Dan

Mrs P was one of the 160000 that were lucky enough to have their Egg account wrongly closed many moons ago. Can anyone remember when this happened? This was then taken over by Barclaycard and now is with Marlin. Seen a few threads with differing opinions of what to do, can someone please give firm correct advice as to what to do. I'm sure a lot of people would appreciate this. Many thanks Mr P

Hi there. I just wondered if someone could advise me with regards to PPI claims. I opened an account with Egg in 2001 with regards to an Egg loan and a credit card. I believe that I was paying PPI on both, however I do not have records of these accounts. In 2005 I entered a DMP and finished paying off all my creditors by December 2009. Do you think it is possible if I can claim mis sold PPI from back then and how would I go about asking Egg for an SAR seeing as they are no longer trading? I see they were taken over by Barclays and Yorkshire building society. I also had a Barclayloan and credit card however I still have paperwork for these so I still have account numbers for these. These were taken out in 2003 and 2004. Is there a time limit to PPI claims? Thanks for any advice given, it would be much appreciated.

Hello, having read a lot of the posts on here I thought I would begin my own so I can keep you up to speed but also get some ideas from other people in the same boat. Brief history as follows: November 2012: SAR sent to BC in with covering payment. Letter sent recorded delivery. Janaury 2013: Log complaint that no SAR recieved, Customer Relations Manager manages to send me statements through post. Still deny ever receiving SAR and payment, told to cancel cheque. February 2013: Statements arrive, not a complete set, and no other SAR information as promised. £10 credit onto card for cost of calls. February 2013: Cheque cashed 82 days after sending it! February 2013: Complaint now passed to higher level. Paperwork is now being "rushed" thorugh due to "delays" March 2013: Letter states that SAR and payment were "not processed by BC correctly" Paperwork will be completed and sent in "2 weeks". £50 credited to my card, even though balance is £0.00!! So thats where I'm at right now, clock is ticking and follow up paperwork already written in anticipation that I wont receive correct and complete paperwork. I have entered the data from the statements I have already received onto the spreadsheet, but without them all, its not really a true estimate of what I can claim for.

I have been contacted, by letter, today by Marlin Financial Services and they are chasing £3,622.62 debt on an Egg credit card dating back 5 years ago. The Egg credit card in concern was taking out 5 years ago and when all the "hype" around incorrectly termed credit agreements where in the media l wrote to Egg requesting a copy of my credit agreement. At the time l spent 5 months going back and forth with Egg trying to get my credit agreement. After much time they provided an agreement but it was not the agreement dating back to when l originally took out the agreement but a more recent agreement "template". Furthermore some of the prescribed terms where not within the agreement. I wrote back and advised Egg the agreement was not enforceable and heard nothing back. Now last week l received a letter from Barclaycard stating that the debt had been assigned to Marlin and they will be chasing - which they are. So my questions are : 1. I have requested a copy of the debt assignment from Egg to Barclaycard, via Marlin, and they have said they cannot provide this. Surely if the debt has not been assigned from Egg to Barclaycard then they have to legal right to in turn assign it to Marlin and therefore Marlin have no right to chase for the debt ? 2. Do Marlin have the right to negatively mark down my credit file ? Any and all help would be useful.

Hi, I think it would be a good idea if anybody who has had the latest NOA from Barcalycard/Marlin could find threads easily: These are the ones i've found perhaps other can add to the list http://www.consumeractiongroup.co.uk/forum/showthread.php?211539-OH-s-second-Egg-card-Microfiche-agreement http://www.consumeractiongroup.co.uk/forum/showthread.php?382983-Marlin&p=4149652#post4149652 http://www.consumeractiongroup.co.uk/forum/showthread.php?215961-EGG-gt-gt-A-Quandry http://www.consumeractiongroup.co.uk/forum/showthread.php?382408-Credit-Card-debt-now-Sold-so-where-do-I-stand&p=4143272#post4143272 http://www.consumeractiongroup.co.uk/forum/showthread.php?383054-Marlin-very-old-Egg-credit-card-now-BC-2yrs-to-default-drop-off-starting-threat-o-grams(2-Viewing)-nbsp I'm sure there are many more! Barclaycard really have sold Marlin a pile of poo!

Hi all, Has been a very long time since I've been around here, as, thankfully, I've managed to pay off most of my debt, get my credit record pretty much clear and stay that way - thanks in no small part to the generous help and advice received here! So, apologies if this is the wrong place to post this, but I'm hoping someone can help me with something that's come up recently. The reason I say I've cleared most of my debt is that there is one thing outstanding which hasn't been a problem for a long time but has now raised its ugly head again. A major change in my personal circumstances in 2001 meant that I ended up with huge debt which I spent years paying off, entering into various agreements with creditors throughout 2002-4. One of the accounts was an Egg card, which I managed to keep on top of, but during a period of unemployment in 2009, I fell behind with the payments. They defaulted the account (the outstanding debt is just over £5000), either shortly before or shortly after Egg was sold to Citibank and passed it to a DCA - so long ago I can't even remember which one but I think it was either Moorcroft or Cohen. The DCA in question wrote to me, asking for payment, I CCA'd them and didn't hear a dickie bird from them after that (some time during the summer of 2009) - absolutely no contact whatsoever relating to this account for getting on for four years. I thought it unlikely that I'd hear any more about it, but was prepared to deal with it if/when something new did happen, which it now has. Egg was sold to Barclaycard a while back (can't remember when - some time in 2011, I think?), and last week, I received a letter from Barclaycard stating that they had handed my account over to Marlin Financial Services and that I should contact Marlin within five days to settle the debt/arrange terms. Yesterday, Marlin left a voicemail on my mobile, the usual DCA vagueness: call Marlin on this number, no explanation of who they were or why I should call them. The account is showing as a default on my credit report, but only with Equifax, my Experian report is clean - despite this, though, my credit score is 'good' with both Equifax and Experian as I've managed to stay out of financial hot water for the past five years or so and all other defaults, settled or otherwise, came off my reports during 2009 and 2010. My question now is this: I am assuming that Marlin will continue to contact me, so should I begin the whole CCA process with them, or just ignore them, given that the account is already defaulted and I'm assuming they can't default the same account twice (so I have nothing to fear from them in terms of default threats, and they can't legally start adding charges)? I know they could threaten me with a CCJ (which is obviously the last thing I want), but clearly that will only hold water if they follow the proper channels and comply with my (and the court's) requests for information, and for my part I want to be sure I've done everything I should have done, if it does come to that further down the line. I've been through the whole process of CCA requests and threatened CCJs before so I know what to do, and if they are able to provide me with a properly executed CCA (which I imagine is unlikely, especially afer all this time), I will be more than willing to negotiate settlement with them - however I'm wondering if it's worth even entering into negotiations with them, since it's been so long since there was any action taken on this account, and the default will come off my credit reports in just over two years' time. My major concern at this point is avoiding a CCJ although, as I say, I suspect it won't come to that, as the chances of them having my CCA are slim to none. I would very much appreciate any advice forthcoming from people who know more about these things than I do! I've benefitted greatly from advice received from members of these forums in the past, for which I am very grateful - it's because of such lovely and knowledgeable people that I now know how to handle these bullying DCAs, and no longer fear them or their threats! Thanks! SS xx

Hi there, Just recieved my reconstitued CCA and covering letter back from Barclaycard. Few points they have stated stick out. They agree this CCA is not enforceable then they go onto say their rights still exist under the agreement and i should keep making payments. they are citing Carey vs HSBC and Phillip McGuffick as to why i should keep making payments. I have attached the CCA and covering letter for the more wise on here to digest and point me in right direction. gchads [ATTACH=CONFIG]41796[/ATTACH] [ATTACH=CONFIG]41797[/ATTACH]

I previously had an Egg card which was taken over by Barclaycard with new card etc issued. The account is completely online and is paid off fully by direct debit. Statements are intermittent and not always notified by email. I have been hit by overlimit charges on several occasions - something which Egg also did whereas other card companies do not authorise transaction. I know that Egg managed to justify such a charge with the FOS by some means so there is little point in making a complaint there. £12 seems an excessive charge for what is an automated process Has anyone any experience of these charges and any challenges to them? Any success in small claims court?

I am looking to make a claim on my Egg Loan that i took out in 2007 but have since paid off. I have my initial agreement and it has a tick box for the PPI which it said I had to tick and send back, and my original phone call to them was in my opinion quite pushy towards getting that. My main question is though, Egg are now owned by YBS (Yorkshire Building Society) Who do I send a letter/questionnaire to? does it need to go to YBS? I have an old Egg address but imagine that is obsolete now as its from 2007. Do I need to send both a letter and questionnaire? Any help would be appreciated thanks

Hi All, First post so Hello to all. I have ( had ) an Egg account that I opened in 2003. In 2008/2009, I had financial difficulties and all creditor apart from Egg played ball and accepted F+F offers. Reading this forum it seems this is the norm. Egg accepted my token payments of £1 pm as advised by the CCCS. At some point, Egg decided my £1 wasnt enough and told me they were going to pass on my debt. Im not sure exactly how or when that happened. ..Im getting old and my memory isnt what it was and also, I cant find some of my original paperwork. To cut a long story short, I stopped paying Egg and heard nothing. Fast forward to today when I receive a letter from Apex stating that as requested they have attached a copy of my original agreement from Egg and are asking me to ring them to arrange payment. Whilst I have no intention of ringing them, Im confused as to why I got sent the letter in the first place along with the copy of my agreement. Perhaps they realise I would have asked for it and decided to save time! So my questions are, What do I do from here? and what would normally be accepted by companies such as these if a F+F offer is to be made. Many thanks in advance. jeff.

hi i recently came across an old egg loan statement which shows an original loan of £9500 and £2090 for repayment protection insurance. i have not had any contact from them since 2010. my problem is if i get in touch with them re the ppi i am in effect giving them my new address. i know egg was bought out by a building society so would the loan balance have been assigned? the original loan was taken out in july 2004. what should i do?

Received a few hundred pounds off them today in compensation following my formal complaint regarding their treatment of me and refusal to only contact me in writing. I'll give them their dues though they swiftly responded to my formal complaint and admitted where they went wrong etc.

Hello Some advice please would be appreciated with regards to Credit Agreements and PPI I have a copy of my Old Egg Card Agreement dated 28/01/2001 - Amazed I kept it but its the only CC I currently have which is now with Barclaycard The first page of the Credit Agreement has a section on PPI ---------------------------------------------------- Limit x Interest and Credit Charges x Repayments x Your Repayment Protection premium is payable to the insurer at 69 pence per £100 of your monthly statement balance for the accident, sickness, unemploymen, life and serious illness cover you have choosen in accordance with the Egg Card Repayment Protection Policy document supplied to you The argument I am currently having with Barclaycard is they state that PPI was optional on the Credit Agreement, and I am stating the following No sign of the word optional against the PPI details on the first page of the Credit Agreement or maximum amount on the credit agreement I was made to feel that PPI was not optional once again after the on-line application with its pre-ticked box No where did it say interest would be added to the PPI I could only cancel the PPI policy if I took out a new credit agreement - this is now considered to be unfair by the FSA Are my arguments valid, I appreciate any comments and differing opinions, thanks in advance

Hi, What started as a simple question ended up as a mini novel, so I decided to give you the executive summary here with my questions at the end of the post. I sent a SAR to Canada Square Operations (who handle the Egg PPI claims), received a huge pack of A4 pages and found evidence that PPI had been applied to one of my accounts. Sent in the PPI questionnaire (albeit with the wrong acc no) and received a reply yesterday saying that they reject my complaint as they couldn't find an account where PPI was applied. ---------------------------------------------------------------------------------------------------------------------------------------------------------- A few weeks ago I decided to look into whether I could claim back PPI from an old Egg Loan I had in the early/mid 2000s. I hadn't kept any documents so I started with a SAR and after an initial letter saying something like 'we have no records' etc (which from what I read is a standard letter sent out) I received a huge pack of A4 pages and started to look through them. During the time that I had Egg Loans and cards, I had topped up my loan a few times and I had also consolidated my cards and loan. So, looking though this huge pack (of often duplicated pages) I found the relevant entries on loan applications like: Payment Protection, PPIPremium, PPICover Level, and so on. On most of them these were N, 0 and blank respectively, but on one of the applications it was Y, 5071.13 and ASUL (whatever that means, I didn't find any explanation in the paperwork). I was quite sure that I was sold PPI (or some sort of insurance) as I remember having a conversation on the phone when applying for the loan where I was told to get it or 'they' would probably not approve my loan, and now I had the details and was certain it wasn't just my imagination. a couple of weeks ago I sent in the PPI questionnaire with as much information as I could find/remember and yesterday I got a letter (in fact two, one saying that my complain had been received and that I would hear from them within x weeks) saying: "I would like to assure you that I have carried out a full review of your account and all of our records indicate that you have never actually purchased this product, nor has it ever been applied or charged to your account. Therefore, your complaint has not been upheld and has been closed." It does go on to say that it is their final response, however, if I have any additional information to contact them with the details. I thought maybe I wasn't actually paying PPI, but had another look and found a couple of pages I had missed the first time round. One had the Account Number (which I hadn't found when I sent in the PPI questionnaire and instead I had, mistakenly, used the Application Number/PartyID from the Application Report) along with Application Date, Date Opened and more to the point PPI on Account, PPI Cancelled and PPI Cancelled Date. Turns out that I had 3 accounts with only one having PPI on it. Furthermore I found an "Account Information Report" page with various info but also a "Loan PPI Rebate" which detailed the amount I had paid, a Rebate Description (PPI Premium - Egg Loans) various other bits and an Amount Earned (which was the same as Amount Paid". ---------------------------------------------------------------------------------------------------------------------------------------------------------- my questions are: - Is the rejection letter I received just an effort to fob me off or have I misunderstood what I've found in the documents they sent me? Perhaps their excuse is that I didn't provide the correct account number? (Although it boggles the mind how they could have "carried out a full review" and have missed it? I'm assuming they actually use computers for their "full reviews"!) - Should I reply to them with the correct acc no and see what they say or should I take it straight to the FOS? I just find it extremely distasteful if they are in fact trying it on - especially as if I am correct, then they must know full well that I have paid PPI. Any advice would be most appreciated. Theo

Starting a new thread for this PPI action against Barclaycard. Originally an Egg Card, then taken over by Barclaycard. Card is still active. I am helping a family member with this, so the card is in their name. They never needed or wanted PPI, they were self employed whren the card was opened, and they have phoned once in the past to cancel PPI and were told that they couldn't (hopefully this contact was recorded and will be confirmed if / when the SAR is complied with.) Action so far: 30.11.12 - Sent a SAR and £10 postal order to Barclaycard's Data Compliance Officer. Used one the templates off CAG for the SAR. 03.12.12 - SAR was received by Barclaycard (according to Royal Mail track and trace) 12.12.12 - Barclaycard returned the SAR and postal order, with a standard letter: "Thank you for your request for information under the Data Protection Act. Unfortunately we are unable to process your request due to the reason(s) detailed below: It is possible that the account has been closed for a period of more than 6 years and as a result customer details are no longer retained." Now, given that the card is still active, this is nonsense. As they received the request on 3.12.12, I reckon their 40 calendar days are up on 09/01/13. I am now unsure on the best way to proceed. Should I re-send the original SAR and PO, with a cover letter advising them that the card is active and they are running out of time to reply? Or should I wait until the 40 days are up and send a LBA? Any advice gratefully received!

Hello people, I apologise for starting a new thread but I'm getting myself increasingly more confused by reading other peoples (forgive me I've just come off nights). I had a Barclays Student CC (lets call that CC-A) and also an Egg CC, which was sold to Barclays (lets call that CC-B). Both of these are still active with Barclays. I wrote to Barclays asking for information about the accounts which they studiously ignored for three letters but have finally got back to me. I am a disorganised soul so I don't actually have the details of when I took out the CC's but I think the CC-A was about 1998 and CC-B was about 2004 What Barclays have posted back to me makes little sense. . . . They only seem to have responded about the CC-B account (they sent a letter saying they are 'looking into' the other one) and have sent me two documents (separately), one is the original CC agreement for Egg, and the other is the standard agreement for Barclays. However neither contain any information about me, they are just generic, for example they don't say when I entered into the agreement and I was expecting them to. And neither say anything about PPI. What do I do next? I can see why people get companies to do this for them!! Many Thanks T

I recently sent a SAR into Barclaycard as the starting point for a PPI claim. I received a letter back with details that I had PPI on my account and returning my own letter and £10 cheque. The letter noted (in summary) that my letter "was in relation to a claim for the sale of PPI" (my SAR letter made no reference to PPI) and that "this information is sufficient to enable... to progress a claim for PPI". I writing back and sending the cheque back asking for full details to be supplied. I couldn't help but notice though that the bottom of my original letter had been stamped with a large rubber stamp saying "PREQUAL". Does this suggest that they already believe I may have been mis-sold my PPI?

Hi all, Some years ago I had major financial and personal problems. Managing to get myself on my feet again but am worried about this outstanding account. Pretty much all of my other debtors agreed to a one off payment to close my accounts after months of offers and writing letters. Egg did not accept my offer. I had been paying them a small sum each month ( as I had with my other debtors ) and then suddenly out of the blue, my account was passed to a company called Apex. I stopped my payments to Egg and waited for Apex to contact me. Nothing has happened for about 2 years. I checked on my credit file and although the account is in default and has been since around 2008, it shows as still being active and each month as no payments have been made, a D is shown in the payments table. I have just received a statement from Apex telling me the account is still outstanding but at the bottom of the letter it says for information only, no action required. In with the statement were a few photo copied flyers from debt management comapnies telling me to pay my debts etc and a ways to pay note. Im confused. I havent had any communication from Apex till now. I havent made any payments on the account for about 2 years. If the account is in default, will it automatically get written off after 6 years or does the account need to be closed to do this? Am I getting this confused with defaults on the credit file? I really dont want to get back in to the writing of letters again. The whole episode was very stressfull back in 2008 and made me quite ill. I dont want to go there again. I realise ignoring it might not be the best option but part of me just wants this to all go away. Head in the sand and all that.... The outstanding amount is only about £700 but I just dont have the money or the means to pay it off. Its taken years of careful budgeting to get where I am and I simply do not have the means to pay. Any advice greatly appreciated and received!

Hello there. I'm new to this and have been doing a fair bit or reasearch to find out if i have a case for a PPI claim. I wonder if anyone has had successes with claiming PPI from egg and what justifications they may have used in their case. I have most of my paperwork for both my Egg loans. I initially took out a loan for £5473.90 in July 2005. This amount was made up of the loan of £5000, £473.90 of which was PPI. Interest for the term was then precharged on the loan and PPI credit figures. This loan was taken out using an online application. I took out a new loan for £8462.78 in Feb 2006. This settled the outstanding balance of the original loan and included an additional PPI of £1291.78. This loan was taken out over the phone. Interest was also precharged on the total credit figure of £8462.78. I actually dont remember the details on the website specifically or the details of the phoncall in which i agreed to the top up loan. I was however shocked at the value of the PPI when i received the paperwork but at the time was young and ignorant and accepted the terms. I really have no idea where to start and any help and feedback people have would be greatly appreciated. I guess a few burning questions i have are: - What justifications have people used to satisfy PPI claims with Egg online applications? Has anyone had experiences of the culture at Egg and selling PPI? I am aware Egg received a massive fine from the FSA, how may this affect PPI claims? Egg added the PPI sum and interest of the loan to the total amount at the start of the term, is this justification for a claim? I know Egg used pre-ticked boxes for PPI - has anyone had a successful claim using this a justification? How would the imlications of settling a loan that included an amount for PPI with a refinanced (top up) loan with a new PPI figure, esentially a quantity of the second loan should have been covered by PPI from the first loan and therefor a 'top up' PPI should have been sold. I can't remember is there was any sale pitch for the second PPI from the phone call where the loan was agreed. Has anyone had expereiences of this with Egg and cultural 'goings on' around this time? I have read through a few of the forums and Egg (now Barclays) seem to be quite keen to fight cases of PPI claims so i want to make sure that any letter drafted is clear and precise justifying any case there may be. Many thanks for any help or advice in advance Regards Jamie

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

I'm still going through Mrs Sam's bank accounts and credit card accounts looking for mis-sold PPI. I have sent a SAR to Egg and they have finally complied with over 400 pages of information! Mrs Sam took out an Egg credit card back in 2002 which ran until 2008. During that time she paid an average of £30.00 per month PPI. I'm ploughing through the paperwork to see her signed agreement for PPI but I haven't found it yet - there appears to be everything else though. Mrs Sam cannot remember how it was sold to her back in 2002. Mrs Sam became ill in 2008. At this time she had her own business. Her illness has sadly resulted in her being unable to work. She has been on incapacity benefit since February 2008. She had to wind her business up at that time. She wrote to Egg on 22 November 2008 to see if she could use her PPI but did not receive a response. That letter contained a letter from her GP and her incapacity benefit letter. Due to her illness she did not pursue the issue until March 2010 when she wrote to Egg again. They did not reply to this letter either. She chased them in April 2010 and she finally received a response at the end of April 2010. Their response was that the insurance does not lie with Egg and she should have taken it up with the insurer. I do not understand why they did not reply to her letter in 2008 with that information. They said that this information was detailed in the document that she had read and agreed to in 2002(!) They also said that the PPI on the card was cancelled on 6 November 2008 as the premiums had lapsed due to her not making payments to the account. She was unable to make the payments due to her incapacity! They subsequently put the Egg account in the hands of their Collections Department and then to ARC. Neither of them were able to get any money from her (as she wasn't earning any!) and now the debt is back with Egg. They don't appear to be chasing her for it any more. So where do I go from here? I want to claim back the PPI payments which must amount to somewhere in the region of £2,800 before interest. What are the issues concerning her unsuccessful request for a payout on the insurance earlier? All advice gratefully received!

I'm currently working through all my my previous credit cards and reclaiming back my PPI and fee's. I SAR'd Egg and they sent me back lots of statements and some information about my account but they did not send me my account application, credit agreement or T&C's etc. The only confirmation I have of PPI is on my statements and in one of their internal account management screen shots that they have printed is shows 'PPI Indicator: 1'. Seemingly they cannot provide me with any evidence of how PPI was sold to me. I am certain that I did not take out PPI intentionally during my online application, I never did on any of my cards as I truly do not see the point of it, you can always negotiate with lenders on repayment terms if things get difficult, it's just another way of getting extra money out of consumers. In fact I have proof of me opting not to take PPI from my other credit cards (even though they have been charging me for it, but thats another story). More over this account goes back 4 or 5 years and ended up on a DMP with the CCCS. To be clear I During this time the account was having payments made to it by the CCCS (negating the need for payment protection due to a repayment agreement and 0% interest being made) but EGG were adding almost the same amount back onto the total outstanding debt in Payment Protection. Surely once the account had entered arrears and had defaults against it, then had special token repayment arrangements made on it, the PPI that I didnt want should have been voided as it would be impossible to use payment protection (lenders will accept token payments of as little as £1 through CCCS/DMP's if a the client has income difficulties). Where do i stand? Its most annoying that EGG have not provided me with any real evidence of how the PPI was taken out in the first place.

I would be grateful if you could help me with my case. Things became difficult for me and I had to default on my loans and obligations. I had a loan with Egg. who transfered it to Barclays then Moorgate Britannica. I am registered with the cccs and have made the £1 to all bar these. I requested that they send validation that I owe them this money and the only response I have had is a court hearing. I appealed to the court and now have a Defence filed questionnaire. Have I done the right thing and what should I put in the questionnaire? Ps, I rang Moorgate this morning and I know I should have not to tell them that they are taking me to court through Earlswood and they said that I have to deal with Arden(Strange) I rang Arden (I Know) and told them that I had written to their solicitors and I had no response and they have now passed on the details to their legal team that will forward the stuff to me. Do you think that Moorgate have a legal claim to this debt and what should I expect to arrive in the post and will it be enforcable? Thanks.