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Hi all, I'd really appreciate any advice as I've written to Egg, and have just received this response...:
Any ideas? I've included my original letter at the bottom of this
---Original Message---
Date: 17 Jul 2009 Time: 07:34
Subject: Mis sold PPI
Dear Robin
The Card Repayment Protection you've had on your Egg Card was taken out during application of the Egg Card. This would've been selected by you.
When the policy is applied to the account, documents detailing the policy would be issued out providing further information on any exclusions. It would be your repsonsibility to check through this and to let us know if you feel the policy wasn't suitable for you.
I'm afraid it's not possible for us to refund the policy premiums that you've had.
As you've stated you've sent in a letter to our Customer Relations Office, I've logged the message you've sent in and escalated it to be reviewed further by them.
You'll receive acknowledgement of your complaint within 5 working days. Your reference for the complaint is EGG/505265/2009.
If there are any further queries, please don't hesitate to contact me.
Thanks for your message.
Regards
Yuk Ching
Internet Customer Services
--
Secure Messages - Client Care
-----Original Message-----
Date: 16 Jul 2009
Time: 16:01
Subject:Mis sold PPI
Please find a copy of a letter written to you on the 29th June regarding my missold PPI.
I will be sending a copy of the letter via post.
Many thanks,
Customer Relations Office,
Egg Banking plc,
Pride Park,
Derby DE99 3GG 29th June 2009
Dear Sirs,
Mis-sold PPI insurance on Egg Card
Request for a refund for:
Robin Ballance ? Card number
St Andrew?s Insurance number
I purchased the above policy from you in September 2002 in connection with the credit card referenced above.
I now believe that I was mis-sold this policy for the reasons given below, and wish you to investigate my complaint according to your normal complaint procedures.
The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.
I believe the insurance was unsuitable for me as although I was in permanent employment at the time I took out the policy I was not made aware of the specific exclusions relating to unemployment cover and also to future contract/temporary employment.
If my complaint is upheld I require a refund of all premiums paid to the policy, plus any additional interest charged to me because of the PPI. I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money.
Please now investigate my complaint within the eight weeks allowed to you.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,063
Re: Egg Card - PPI
well you might be lucky that Egg will fwd a copy of the cca in the SAR, but going by threads in the egg forum, they are trick customers, trying to hide as much as they can.
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Perhaps you may like to throw into your next letter that Egg have been fined for bad mis-selling practices and if they do not sort out your complaint a complaint letter will be winging its way to the FSA.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
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.
Well, now you come to mention it, I was approached by some company touting for business, saying that Egg owed my about £2,000 on my PPI repayment, a few months ago - I told them to sling their hook and demanded to know where they got my personal info from.
Ok Figures:
Egg card taken out in 2002 - maximum spending limit - £1500 - this was used almost to it's limit in the first few weeks (plumber/new boiler)
So... 7 years, paying off the minimum amount, plus the insurance fee...
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Egg Card - PPI
, and have just received this response...:
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