Egg/barclaycard Information Request Refused

[FlamingParrot]

Re: Egg/barclaycard Information Request Refused

If I were you, I would make a SAR to EGG. The accounts that were not sold to Barclays are being handled by Canada Square Operations.

It looks like the account WAS sold to Barclays:

Thanks Alsatian - credit file shows it as Egg but Barclays wrote back with a letter showing my orginal Egg number AND a Barclaycard number (which I have never seen before). If I want to get a SAR do I send that to Barclays? Sorry to be so dense about it but I have no experience of anything like this. Really appreciate any help you can give me.

Hi, The credit file shows updated for the period 16/4/06. So far I have made the 78 CCA request but that is all. Not sure what to do next, many thanks for your advice BTW

If you received a letter from Barclays with a Barclaycard number, then your Egg account was sold to Barclays. Citi were the previous owners and a few accounts were left "in limbo", which are the ones run by Canada Sq. Operations (which happens to be within Citi HQ and are a Citi owned company). I would say you should send your SAR to Barclays quoting both account numbers just to be on the safe side, although a SAR should be subject (a.k.a. person) specific, not account specific, which means they should supply all data they hold under your name. :thumb:

WHO did you send the s.78 CCA request to and what sort of response did you get, if any? :noidea:

Is this an account you have defaulted on and are trying to assess whether it's enforceable or not or are you still paying and trying to obtain statement to reclaim PPI? A s.78 request is normally send when you want to determine the enforceability of the account as all you can expect to get is a copy of your agreement (or a reconstituted agreement), various T&Cs and maybe a statement of account, but not all the statements you'd need for PPI purposes, you'll need a SAR for that. If this is a closed account with no outstanding balance, then there is no obligation to respond to a s.78 request but they'd still have to respond to a SAR. Hope this is clear, if not just shout! :grin:

[Angry Cat]

Re: Egg/barclaycard Information Request Refused

It looks like the account WAS sold to Barclays:



If you received a letter from Barclays with a Barclaycard number, then your Egg account was sold to Barclays. Citi were the previous owners and a few accounts were left "in limbo", which are the ones run by Canada Sq. Operations (which happens to be within Citi HQ and are a Citi owned company). I would say you should send your SAR to Barclays quoting both account numbers just to be on the safe side, although a SAR should be subject (a.k.a. person) specific, not account specific, which means they should supply all data they hold under your name. :thumb:

Err, according to the OP Barclays have stated that the account has never been owned by them!

Citi bought the EGG card in 2007:
http://en.wikipedia.org/wiki/Egg_Banking

It was wasn't just a "few" accounts that were as you say, left in limbo'. And Canada Square Operations, is not within Citi HQ, they are in Worthing, West Sussex. Canada Square Operations is part of Citi, though. CSO, were set up to mop up/sort out the remaining problems relating to the many EGG Card accounts that were not sold to Barclays;
the liabilities were sold along with the various accounts. But, clearly Barclays did not want to purchase the problematic accounts...

For clarity, one will see above that CSO data protection licence address is 33 Canada Square, Canary Wharf. However, mail is redirected to Worthing, West Sussex.

[Angry Cat]

Re: Egg/barclaycard Information Request Refused

WHO did you send the s.78 CCA request to and what sort of response did you get, if any? :noidea:

Is this an account you have defaulted on and are trying to assess whether it's enforceable or not or are you still paying and trying to obtain statement to reclaim PPI? A s.78 request is normally send when you want to determine the enforceability of the account as all you can expect to get is a copy of your agreement (or a reconstituted agreement), various T&Cs and maybe a statement of account, but not all the statements you'd need for PPI purposes, you'll need a SAR for that. If this is a closed account with no outstanding balance, then there is no obligation to respond to a s.78 request but they'd still have to respond to a SAR. Hope this is clear, if not just shout! :grin:

The OP has already stated in post #5, the S78 CCA request was made to Barclays.

The S78 CCA, was to ascertain as to whether the OP had taken out PPI.

As previously suggested, the best plan would appear to be, make the SAR to Canada Square Operations, who will no doubt return the £10 stat fee if, they do not hold any data.
Then the OP can make the SAR to Barclays.

The OPs choice, at the end of the day.

[kerrimouse]

Re: Egg/barclaycard Information Request Refused

The OP has already stated in post #5, the S78 CCA request was made to Barclays.

The S78 CCA, was to ascertain as to whether the OP had taken out PPI.

As previously suggested, the best plan would appear to be, make the SAR to Canada Square Operations, who will no doubt return the £10 stat fee if, they do not hold any data.
Then the OP can make the SAR to Barclays.

The OPs choice, at the end of the day.

Thanks for your help guys! I have sent the SAR to Canada Square today and see what happens next!