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Didn't even have time to start the thread on this one.
Posted a complaint to Egg over mis selling PPI 2 days ago, this morning Postie brings a total rejection/final response letter containing a photocopy of a screen shot in 'real time' of my on line application whereby the ppi box is clearly ticked - 'therefore we will not uphold your complaint and this is our Final Response'.
Beachy, that is fast . Can I ask when your agreement was taken out? what shows that the 'real time' screen shot relates to YOUR application? How do you know that the PPI was not preselected? (unless of course you remember ticking it?)
I have a claim against Egg in court for PPI mis-selling and they have never produced a single screen shot of the application process, just Application Review (AR) pages, that they claim was captured at the time of the application.
Would you mind posting the screen shot(s) minus and private information?
Didn't even have time to start the thread on this one.
Posted a complaint to Egg over mis selling PPI 2 days ago, this morning Postie brings a total rejection/final response letter containing a photocopy of a screen shot in 'real time' of my on line application whereby the ppi box is clearly ticked - 'therefore we will not uphold your complaint and this is our Final Response'.
48 hrs for a rejection - is this a record?
Beachy
Beachy, that is fast . Can I ask when your agreement was taken out? what shows that the 'real time' screen shot relates to YOUR application? How do you know that the PPI was not preselected? (unless of course you remember ticking it?)
Put them to strick proof of the quote by e_inspired IMO.
They must surely be able to show a blank form online or written instruction stating if you do not require PPI please untick the box. Either way I reckon the online tick in the box issue is extremely dodgy for them
They also cannot now show todays online details forms as they well have changed the format from the time your application was submitted.
Outright refusal gives you a straight to the fos scenario.
Good luck
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.
The exact same thing happened to me! A reply from Egg in 2 Days! Anty how im wanting some answers too as to what to do next. Please help if anyone can. I| ahve uploaded the pics which were taken with my phone.
Sorry haven't been able to post up docs., having a rough time with work issues & still browsing using my mobile.
My forms is exactly the same as Wilchy's, as you will notice their is no tick box or any reference to agreeing to have PPI accept for the box containg the words 'Unemployment sickness & Life'
I notice their statement 'manual alteration by Egg staff is not possible'
mind boggles!
Straight to fos on this one I think, unless there is something I can fire back at EGG.
hi beachy my experience with Egg exactly the same as yrs all standard i think, i have just won my case with the fos and am waiting on the cheque id say just go straight to the fos as i wasted a good few months playing letter ping pong with them and they didnt change their stance at all mine was an online application from 2003 and the PPI was pre selected same real time app as you though good luck
hi beachy my experience with Egg exactly the same as yrs all standard i think, i have just won my case with the fos and am waiting on the cheque id say just go straight to the fos as i wasted a good few months playing letter ping pong with them and they didnt change their stance at all mine was an online application from 2003 and the PPI was pre selected same real time app as you though good luck
Thanks, you' ve boosted my spirits quite a bit, I have been thinking about going to the FOS, EGG seem pretty determined in their response, as you say why bother playing ping pong with them, the only difference to the screen shot posted by wilchy is that mine clearly states self employed.
just had my cheque beachy as well as a little surprise of £200 compensation from Egg 6 months from start to finish i only wish i had gone to the fos sooner
PPI busy forum but keep at them and FOS will be slow but uphold most complaints and it is free so you can expect some cash back IMO.
RECONSIDER they will not do DELAY they will do. They know now PPI was a serious regulatory risk and they lost out so the aim of the game is to hang on to the monies they gained for as long as possible up to the wire hence all the delaying tactics.
IMO always write complaints to the ICO, FSA, FOS, OFT, BBA and compain like there is no tomorrow
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.
just had my cheque beachy as well as a little surprise of £200 compensation from Egg 6 months from start to finish i only wish i had gone to the fos sooner
Please do not forget to post this in the PPI successes thread in the stickies at the top of the forum after all a win is a win
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.
Good grief fos were quick!! I am waiting for the FOS regarding an Egg CC claim, applied in 2001, its with an adjudicator right now - fingers crossed!! Well Done on Your Win!!!! Happy New Year!!
Just starting mine (again). I wrote to Egg June 08 and got a sharp response back stating "you applied on-line so bog off". That was pre-Cag. Have since fallen out with Egg. Got my SAR back before christmas and spent yesterday going through the statements and applying the calcs for interest kindly supplied by Pompeyfaith.
It appears that the PPI on the card plus interest is nearly £14k!!!
Think maybe I should start a thread in the PPI forum.
Interesting bits of the SAR are 1) No sign of an application 2) Executed agreement is in there with no mention of PPI??? 3) Got a copy back of my letter and their response from June 08 - handy as i'd lost it lol.
Letter received this morning from the fos upholding my complaint against Egg.
So much for 'you ticked the box on line for PPI - we're not refunding'
Lets wait for their 'refund offer'.
All the best for the new year.
Beachy
Well done, that was exceptionally quick. I sent my complaint to the FOS in March and was only allocated to an adjudicator at the beginning of November. Have heard nothing further although I received FOS letters on my 2 Egg claims this morning stating that they were waiting to be allocated to an adjudicator. I did ring up and they said it was a mistake and my 2 complaints are still with the adjudicator.
I have one for on-line misselling. The second complaint is for a refund that was my applied to my loan inlcuding the payments made to date and I felt they should have been refunded to me.
Beachy now take on EGG (PPI)
over mis selling PPI
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Originally Posted by beachcomber60
