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I am new to this site, I have an Egg loan but i requested not to have PPI how do I find out if they have built it in to the agreement. Also are PPIs restricted to loans or are they built in to credit cards? cheers
You can either ask for a copy of your agreement from Egg enclosing £1 or send a full SAR request enclosing £10 and they should send you all the information they hold about you and the loan.
I am new to this site, I have an Egg loan but i requested not to have PPI how do I find out if they have built it in to the agreement. Also are PPIs restricted to loans or are they built in to credit cards? cheers
On the good advice of Pinknico you need to gather the information they have on you and your card/Loan.
Once you have this you can submit a claim for a refund if you believe you have a valid case.
Before you proceed Please have a look at the information provided and read a few threads that may help you get started.................. .. links
Lots of information i here some will help your claim and some will not please pick through it all it will take time but it will help you
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Done a little research on my paymnets, using a mortagage calculator online it seems my payments plus interest equates to the correct amount borrowed so it doesn't look like they have any hidden PPI's but I don't remember signing any forms for this loan. Is it worth pursuing based on the new laws on interent forms (taken out Feb 07)?
Done a little research on my paymnets, using a mortagage calculator online it seems my payments plus interest equates to the correct amount borrowed your payments plus interest could include PPI you are not aware of so it doesn't look like they have any hidden PPI's but I don't remember signing any forms for this loan. Is it worth pursuing based on the new laws on interent forms (taken out Feb 07)? I am not sure on this point.
I would still go down the route of sending a SAR if you do not have a copy of the Consumer Credit Agreement it could show any hidden figures on the PPI issue. You see in a lot of cases the PPI has been added to the Loan amount without the knowledge of the debtor and people are only discovering this years later.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Thanks for that never looked at it that way but why they add the PPI into the interest rate if I am happy to pay the interest i.e. if they charge me 10% interest and I am happy with that why would they do 8% plus 2% PPI?? Is it to cover there own backs??
After dealing with payplan I am sending out a standard can't afford more than £1 month please freeze interest etc to see what feedback I get from that. The usual I expect but can't get money were there is none
Had the usual replies, letter telling me my DD has been cancelled also e-mails directing me to the Egg site with messages about payments not being made etc. Will be end of the month before i default on payment because too late to cancel the last one
ok i'm ready to pay them there first £1, can anyone suggest the best way to do it. Online it won't let you pay less than the agreed monthly payment. Shall i send a postal order and what letter can you suggest I send along with it?
You can definitely pay by standing order from your account. Egg have their own sort code plus the account number is, I think, your loan account number.
My friend set this up for her loan when she did a DIY payment plan, and it's working fine.
ok had a phone call yesterday and one today asking for payment. Caught me off guard if truth be told. Anyway last month I sent the £1 with an income and expenditure but I was late doing it so the payment came out of my bank. My question is should they have used that £1 for this month or is that not how it works. If not I will send a chq for £1 today then I know they have taken it.
sent the chq for £1, had another phonecall this evening. didn't even give them chance to talk just explained already been discussed sent letter etc not putting phone down 'no offence'.
Also they never ask any security questions. I will send off the harrassement letter this weekend.
can you put this thread in the Egg section instead of PPI section. Cheers.
Moving your thread over to Egg now
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
EGG Loan
loan but i requested not to have PPI
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