reclaiming ppi from egg

jimmyfloyd_uk · 19th June 2007, 01:48

Hi Everyone,

We took out a Egg Credit Card in 2003, and transferred over £15000 into it with the 9 months 0% offer and apparently i ticked a box or signed an agreement and added PPI to it. Since then the PPI had added upto approx. £4000.

I did request the agreement was sent to me which showed that i accepted the PPI but i received a 2 page agreement and no mention of PPI at all! I signed and sent the agreement back on 10/12/03. Have asked for the full agreement and awaiting response from Egg.

The 2 page agreement they sent me was similar to what "zubo v Egg" received: Zubo v Egg

Anyone had success in claiming back the "Repayment Protector" on their Egg Card?

I've been told on other forums that you can't simply claim back the ppi unles it has been mis-sold, as it has been 4 years and i should have known better!

(i'm like all those other people who don't check their statements thoroughly

). Another comment was "Just because you didnt use the insurance did not mean you can get the money back", are they right?

Would appreciate any advice you can give.

Thanks.

jimmyfloyd_uk · 19th June 2007, 19:02

Any thoughts on the above?

I queried the addition of PPI with egg and they promptly cancelled it without me even telling them to cancel it. Why would they do this?

here's the latest reply from egg:

------------------------------------------------------------
We've arranged for the appropriate letter regarding the Data Subject Information Request to be sent and you'll receive this shortly. This letter will explain what documents we need you to provide and where to send the £10.00 to.

If you pay the £10 charge by cheque, you won't have to pay the standard cheque handling fee that is applied to cheque payments made to an Egg Card or Egg Money account.

As soon as we have received your payment and identification document we'll start processing your request and you'll get your information within 40 days of us receiving those documents.

The card repayment protection has been cancelled by my colleague following you messages regarding the acceptance of the facility. If you'd like this reinstated please telephone us
-----------------------------------------------------------

Should i send in an Subject Access Request or wait for them to send out their letter?

How long do PPI claims normally take?

jimmyfloyd_uk · 19th June 2007, 19:21

Something else i've found whilst reading back through the emails, when applying online, apparently i just ticked a box or signed an agreement (which they can't seem to locate) which meant i took out PPI. I was always self-employed and told them about it.

It's not such a matter of it being mis-sold but that i was never asked in the first place or that it was added without me knowing. As they can't seem to locate the signed agreement/screen shot, this must make me eligible to claim the PPI back, right?

phatram · 19th June 2007, 20:38

They said the same to me.
I will be claiming it back.

jimmyfloyd_uk · 20th June 2007, 17:18

Customer services at Egg want ID documents before they can send out the Subject Access Request info, has anyone had a similar situation. If so, did you send ID?

phatram · 20th June 2007, 17:49

Quote:

Originally Posted by jimmyfloyd_uk

Customer services at Egg want ID documents before they can send out the S.A.R - (Subject Access Request) info, has anyone had a similar situation. If so, did you send ID?

Yes I did and they have now complied without too much hassle.

jimmyfloyd_uk · 20th June 2007, 17:57

Did you receive all the documents requested including agreements, screen-shot, statements?

hellhasnofury · 20th June 2007, 18:01

Quote:

Originally Posted by jimmyfloyd_uk

Customer services at Egg want ID documents before they can send out the S.A.R - (Subject Access Request) info, has anyone had a similar situation. If so, did you send ID?

Hello,

Glad to see you have started your own thread on here. Eh!! your a bit of a whizz with the pasting of the links

The process of recliaming back your ppi, is just like reclaiming back your bank charges, but it is not as well trodden a path. I can take a few weeks and even up to having to wait for a court date a few months down the line

So pace yourself, we are not in a race. Take your time, get your info and then get them.

Here is your first hurdle. they won't ID. I had this from hfc. I thinks its like the start of their bullying, and their defensive tactics. It up to you what you do, you can argure and refuse to give them your ID. Or just send your ID with a little letter telling them how ridiculus they are ( keeping a copy for your file)

I sent this:

Thank you your letter dated 19th April 2007 requesting a copy of my driving licence or passport as identification, before you can release the information that you hold regarding the above account. I find it unbelievable that you require this extra information as proof of my identity. In the past you have sent all correspondence to myself by my postal address without this extra information.
Please find enclosed a copy of my driving licence.
I look forward to receiving my account information.

Once you have got your Subject Access Request get the information you need (Be warned they may not send you everything? and you will have to keep asking.)

You can get to work on the getting it back bit

jimmyfloyd_uk · 20th June 2007, 18:15

thanks for the tips, hellhasnofury!

Should i only be looking at the PPI with Egg, or are there other things i can claim back, such as charges, interest, etc? I don't think i've ever missed a payment with them, basically just took the 9 months 0% offer.

they're going to send out a questionnaire for me to fill in and send back with ID, will add your letter when i do!

phatram · 20th June 2007, 19:15

Quote:

Originally Posted by jimmyfloyd_uk

Did you receive all the documents requested including agreements, screen-shot, statements?

Yes I did.

jimmyfloyd_uk · 21st June 2007, 16:05

should i wait for them to send out their questionnaire or send a Subject Access Request?

also, should i only be looking at the PPI with Egg, or are there other things i can claim back, such as charges, interest, etc? I don't think i've ever missed a payment with them, basically just took the 9 months 0% offer.

phatram · 21st June 2007, 16:30

Read the FAQ's and follow them to the letter and you will win.
You MUST do this or you will not succeed.

hellhasnofury · 21st June 2007, 20:40

Quote:

Originally Posted by jimmyfloyd_uk

should i wait for them to send out their questionnaire or send a S.A.R - (Subject Access Request)?

also, should i only be looking at the PPI with Egg, or are there other things i can claim back, such as charges, interest, etc? I don't think i've ever missed a payment with them, basically just took the 9 months 0% offer.

Hello Jimmy,

Calm down, we are not in a race

Just pace yourself please.

If you have late payment charges, penality charges, I feel that should be one claim.

The refund of the ppi should be another.

Interest on what the charges? yes
Interest on the ppi yes
What is this questionaire they want you to fill out, can you explain more?

Have you sent a S.A.R - (Subject Access Request) if not do so asap You need the information as ammunition

jimmyfloyd_uk · 2nd July 2007, 19:16

Finally received some details through the post. They sent another partial-copy of the agreement i signed, no mention of ppi or anything.

Also got a screenshot, which shows that i was employed for 12 years. Does this make a difference as to whether i can claim?

Only mention of ppi is just the following text in the "for office use only" section "Accident, Sickness, Unemployment & Life". There's no tickbox and i don't remember typing in the above information.

They've also now scheduled the ppi for cancellation. They also said a letter is in the post requesting ID, this has been in the post since 21st June. What do you think? Next step?

hellhasnofury · 2nd July 2007, 21:08

Quote:

Originally Posted by jimmyfloyd_uk

Finally received some details through the post. They sent another partial-copy of the agreement i signed, no mention of ppi or anything.

Also got a screenshot, which shows that i was employed for 12 years. Does this make a difference as to whether i can claim?

Only mention of ppi is just the following text in the "for office use only" section "Accident, Sickness, Unemployment & Life". There's no tickbox and i don't remember typing in the above information.

They've also now scheduled the ppi for cancellation. They also said a letter is in the post requesting ID, this has been in the post since 21st June. What do you think? Next step?

Hello Jimmy,

They are giving you the run a round I see.

You have sent the Subject Access Request and you are now counting down the 40days yeh

Maybe sent them a non=compliance letter telling how many days they have left. find on in the bank template sticky.

According to your ????credit agreement they did not give you an option, did they.

Keep us posted

jimmyfloyd_uk · 3rd July 2007, 18:31

good to hear from you hellhasnofury!

I haven't sent out a Subject Access Request in the post but thought the secure messages i sent to them through my online egg account would count the same, am i right?

This was their latest response:
---------------------------------------------------------------------
As soon as we have received your payment and identification document we'll start processing your request and you'll get your information within 40 days of us receiving those documents.
---------------------------------------------------------------------

So, should i send them a non-complience letter or do i need to post them a Subject Access Request first?

hellhasnofury · 4th July 2007, 08:00

Quote:

Originally Posted by jimmyfloyd_uk

good to hear from you hellhasnofury!

I haven't sent out a S.A.R - (Subject Access Request) in the post but thought the secure messages i sent to them through my online egg account would count the same, am i right?

This was their latest response:
---------------------------------------------------------------------
As soon as we have received your payment and identification document we'll start processing your request and you'll get your information within 40 days of us receiving those documents.
---------------------------------------------------------------------

So, should i send them a non-complience letter or do i need to post them a Subject Access Request first?

Hello Jimmy,

What did you send them in the secure message???

I personally would send them a letter for the full Subject Access Request and the £10.00 cheque and some ID to get the ball rolling.

The ID thing is up to you, you can argue that you don't need to send it.

I sent this letter
Thank you your letter dated 19th April 2007 requesting a copy of my driving licence or passport as identification, before you can release the information that you hold regarding the above account. I find it unbelievable that you require this extra information as proof of my identity. In the past you have sent all correspondence to myself by my postal address without this extra information.
Please find enclosed a copy of my driving licence.
I look forward to receiving my account information.
Yours faithfully,

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