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i have received from Eggs my statement and to my surprise, there was a PPI insurance that i was not aware.
to cut the story short, in 1995 after my separation, i was under various stress to repay my credit card amounting at this time around £8k. I contacted EGGS to ask them as to whether i had an insurance, their reply were no.
in the meantime, I was defaulted and i have repaid the full amount. The credit card protection amounts around £56 per month added to my monthly statement.
so my first question is " should i claim being mis sold and how to calculate the interest?
2) " Was i able for them to repay my balance as there was a credit card protection
the amazing situation is at the time i contacted them as to whether i had an insurance, they cancelled the item the next month
please help which route should I take and as to whether there is a template to assist me
welcome to the PPI forum. You will appreciate PPI reclaiming is a new issue so people are still trying to find their own way and it will take time.
To get your started please have a look at all of the stickies at the top of the forum. There is a mass of information which should help you save time if you read through rather than ask questions and await answers on you thread as it may take time for people to respond.
This is my sticky........ links
and although long if you do a full check on the links will probably help you to decide on your claim and the way forward. For everything else then use your thread to post questions. some kind cager will try to help.
Do you have any documentation regarding this credit card i.e. credit agreement, terms and conditions, statements etc?
What is your situation regarding insurance i.e. do you have a pre exsisting medical condition are you self employed etc, how did you apply for this card, post, phone?
What date was the credit card applied for?
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
thank you for your reply, i do not have any T&C's and can't find anything document as regards to PPI. I have requested the S.A.R - (Subject access request) but not other documents came through only my statements. I have read the thread but I am confused as to whether they had an obligation to repay the balance the time I was unemployed, additionally, i am a sub so i could not foreseen that they have asked me my status at the time of the insurance
The first instalment was in 2004 and at the time i was under so much strain with my divorce. But i do remember that I asked them as to whether i had an insurance, and they told me no
so i am sorry to ask again, did they have an obligation to repay the balance the time of my unemployment and or should I pursue a mis sold policy and claim all monthly instalments they took. Additionally, how to calculate the interests, for instance they took £60 per month so I will assume that there is an element of interest that should apply
do you have a credit agreement?
I take it you are self employed then i.e. a sub?
If you have a credit agrrement and there is no PPI on there and you are self employed you have grounds for mis-selling.
You need to ask for the credit agreement and T&Cs.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
EGGS PPI need your help
insurance that i was not aware.
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