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I'm trying to reclaim EggPPI (also charges) on the grounds that I had a pre-existing medical condition when I took out the PPI. This was an internet application in 2004.
I detailed all the charges etc, using CAG's spreadsheet's including compounded interest and this letter is what they replied with.
Is there a difference in the law regarding an internet application or a verbal telephone application.
I'm trying to reclaim EggPPI (also charges) on the grounds that I had a pre-existing medical condition when I took out the PPI. This was an internet application in 2004.
I detailed all the charges etc, using CAG's spreadsheet's including compounded interest and this letter is what they replied with.
Is there a difference in the law regarding an internet application or a verbal telephone application.
Also could someone explain where I go from here?
Thanks in advance.
First thing is to submit a Subject access request within the guidelines of the Data Protection Act 1998, the fee is £10.00 and they Egg are obliged to provide you with all relvent data on you as an individual data protection subject,
As Egg have written to state they do not uphold you complaint you can now progress and submit a formal complaint to the Financial Services Ombudsman. No cost to you but a £500 cost to Egg you can submit complaint here...
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.
I did SAR them quite a few months ago asking for my statements and any default notices issued.
They sent all my statements but only supplied a computer printout saying that a default was issued, not the actual default.
I then CCA'd the DCA and they said they did not hold the information and so passed my letter to Egg to try and find the CCA. The DCA sent a letter about 3 weeks ago saying that egg are still trying to locate the agreement and during this time I can stop all payments to them.
I know that somewhere it states that for people selling PPI either face to face or over the phone they have to ask the customer if any of the exclusions apply, but what about online applications?
Egg reply to my PPI refund
PPI
's spreadsheet's including compounded interest
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Originally Posted by idontknow123
