Egg successes.

[Mozz1]

Some mad b*stard will be dumb enough to buy them

[Ebineezer]

Humpty Dumpty plc just put in an offer. Or was that Numpty Humpty plc?

 

Q. is the failure of egg to provide a subject access request sufficient to dispute the account? or does it have to be a cca request?

[Hardupnotfedup]

Check the loan for unwanted PPI they had a habit of adding it onto the loan as a lump at the beginning. £9k loan would be at least £1500.

This would then cost you at least £27 a month more on your payment over 5 years.

Have a check you may be surprised, but more than likely this is why they have not sent you any paperwork.

[Guest HeftyHippo]

they do not have to provide a cca for the loan that was closed. that is true. but, a SAR should provide everything they have for both accounts. if they don't provide the SAR and you have worded it properly (not too specific cos thats all you'll get), then complain to the ICO, but be warned, they have a long backlog of complaints, going back several months

[Bazooka Boo]

When did you close the 2004 agreement?

 

Technically what they are saying is correct and that the new agreement obviously supercedes the old, however, they are required to keep all finacial information for the first Egg account, for six years AFTER the account is closed, so a SAR would be the way to get this info, but as they are foolishly failing to comply with basic law you should defo make a complaint to the ICO our complaints procedure and how to complain

 

Oooh! The Edit button is back well done computer nerds...

[The Debt Star]

They closed the first loan account in August 2005. My SAR was sent to them in June 2010.

 

No PPI on the Top-Up loan but perhaps there was on the original loan. No way of knowing that just yet.

 

Am threatening them with the ICO at this stage as I have followed uncle bulageria's advice and complained to their customer relations officer. They are past the SAR date now and if get a sh*tty response again I will defo do that ico complaint.

[Bazooka Boo]

Does it matter where the Sh**ty response comes from?

[The Debt Star]

Does it matter where the Sh**ty response comes from?

 

sorry, do you mean the DCA or OC? I suppose from Egg themselves as I am ignoring the DCA now. As I have complained to Egg now I figure they should be given a chance to respond properly. But, I am pleased that I am within the 6 year period for the data protection act information, as my original loan was september 2004, so just in. wouldn't put it past 'em to 'destroy' the copy of the agreement anyway though.

[Mozz1]

 

Oooh! The Edit button is back well done computer nerds...

 

Mine isn't

[Bazooka Boo]

No I was thinking if I gave you one you would go to the ICO...

 

If EGG haven't responded you could send them a final letter before action giving them a further 7 or 14 days in which to reply to your complaint before escalating it further to the ICO.

[Mozz1]

Just go to the ICO. Stop treating Egg like they're some reasonable bank or something. They are crooks and as bent as they come. You need to play hard ball with them.

[Mozz1]

Or, play 'hard boiled' with them

(I would have used my edit button but I don't have one).

[The Debt Star]

Have just filled in the ico's complaint form. Now need to photocopy about 50 letters to and fro' Egg as evidence of egg's non-compliance with my SAR. My concern is that the 6 year cut off point for data protection act info is this september!

[Bazooka Boo]

What cut off point??

[The Debt Star]

What cut off point??

 

Presumably Egg can (are legally bound to?) destroy all data they hold when the 6 year Data Protection Act period ends.

 

As that 6th anniversary is next month and I want a copy of the old, closed agreement from 2004 I want to make sure that this does not ahppen. To that end I have now written to the ICO and Egg's internal complaints manager specifically dealing with this issue.

 

If, by any chance, Egg's loan agreement in 2004 is invalid (the 2005 top-up was enforceable, see copy in OP), then this raises serious questions about possible mi-selling (another string to add to the multiple agreement argument). But I need to see the old loan agreement and of course Egg have refused this under the CCA. So I am trying under the DPA.

[unclebulgaria67]

I don't know where you are getting the 6 years destroy date required under the DPA. Financial services companies will maintain documents for many decades, as they have to do this. For example for Life Assurance, they could have documents held for 50 years plus. For banking accountancy rules, I believe they have to keep certain accounts for more than 10 years.

 

There are many different rules regarding keeping of documents. For what you are looking for, any rules should not affect you or ability of Abbey to provide documents.

[Mozz1]

they are required to keep all finacial information for the first Egg account, for six years AFTER the account is closed, so a SAR would be the way to get this info, ...

 

Hi uncle. Because of this.

[The Debt Star]

Yes, thats what made me think I had to get my DPA request in before the 6 years are up. that and I don't trust Egg not to shred the old agreement in an attempt to trash my claim.

[unclebulgaria67]

My experience is that records storage amongst financial services companies is not that efficient. Just make the request and they will provide what they can get hold of.

[The Debt Star]

I have put in my SAR and have also complained to the ICO about Egg now plus written to Egg's customer complaints supremo (what a larf that is).

 

CapQuest have sacked me now and passed the account back to Egg

 

Reckon Egg have to respond sooner or later coz they aint gettin paid 'owt 'til they do

[Bazooka Boo]

They'll end up with EGG on their face!!! (Lame)

[The Debt Star]

They'll end up with EGG on their face!!! (Lame)

 

They 'shell' not succeed, Bazooka.

[Bazooka Boo]

They 'shell' not succeed.

 

That really is dire!

[martin g]

They 'shell' not succeed, Bazooka.

 

 

Does that mean the yoke will be on them?

[Ebineezer]

some eggceptional witticisms here.

TDS, just crack on with whipping up a stir at Egg.