Thread: Egg PPI - Have filed with Ombudsman but ...

Hi.

I have filed my complaint with the Ombudsman regarding the PPI on my husbands Egg card. The claim is for mis-selling in that he didn't know he had it (don't ask how he didn't know - I was dumbstruck when I realised!) and he certainly didn't need it as it gets 6/12 full pay 6/12 half pay from work and we have plenty of private Life Insurance.

I had a letter last week from the Ombudsman asking me for a copy of the Egg CCA Credit agreement. Having followed the process of SAR etc initially ( I have just won a case against First Plus so kind of had an idea of what to do) I found I had not got a copy of this document. I got my husband to ring Egg and eventually managed to get them to talk to me to be told the CCA would 'have to be requested from another building as it was not usually requested'.

Now, this is where I lack knowledge. Why would the Ombudsman want a copy of the CCA when I have claimed for mis-selling of PPI? Having read the threads on here for the last 4 hours I can't seem to find a reason. I have also spoken to the person dealing with my case at the FSO and he said he had requested a copy from Egg too.

Thanks in advance for any ideas which could enlighten me.

I'm currently fighting Egg for PPI sold online with an Egg card.

Having done a Subject access request on Egg I have my agreement - but it appears that there is NO MENTION of the PPI in the agreement. Having dug around a bit it seems i'm not the only one.

This maybe something they're looking into in light of complaints

M

Interesting! Mine is also 2001. I didn't ask for the agreement in my SAR and got it lol. Also, they've sent the T & Cs and no mention in there either. What they didn't send was anything to do with my actual application. If pushed on 'mis-selling' Egg tend to produce a screenshot of your online application and hope you'll go away.

However, it's coming clear now that it was just a box to check (or un-check depending which version you applied through) but seems it was not followed up fully with complete paperwork - hence no details of the PPI that you're now paying for in the agreement that would have been sent out by post for you to sign.

Looks like we're part of a trend here that the fos seem to be aware of and (fingers crossed) they don't like.

M

that being the case then, it MUST have been pre-ticked!

M

Originally Posted by rkm123

I had a letter last week from the Ombudsman asking me for a copy of the Egg CCA Credit agreement. Having followed the process of SAR etc initially ( I have just won a case against First Plus so kind of had an idea of what to do) I found I had not got a copy of this document. I got my husband to ring Egg and eventually managed to get them to talk to me to be told the CCA would 'have to be requested from another building as it was not usually requested'.

Now, this is where I lack knowledge. Why would the Ombudsman want a copy of the CCA when I have claimed for mis-selling of PPI? Having read the threads on here for the last 4 hours I can't seem to find a reason. I have also spoken to the person dealing with my case at the FSO and he said he had requested a copy from Egg too.

Thanks in advance for any ideas which could enlighten me.

fos will have their own rules and procedures for going to war with cards which allegedly missold PPI. Reasonable that FOS seeks all info on CCA which may or may not have mentioned PPI. Regulator attitude has now decisively swung against card companies in cases of alleged PPI mis-selling, and even in a 50/50 situation they will now likely favour the cardholder claimant, where a year ago they were not.

Good luck for your impending hefty refund plus 8% p.a. interest.

Originally Posted by rkm123

Good afternoon all

I have now received a photocopy of the CCA Credit Agreement from Egg.

Nowhere does it make any mention of PPI.

I will update with any news.

R x

Will be watching .

Have you worked out your PPI yet btw.

M

Originally Posted by rkm123

No I don't want to ... If I add it up I will be mighty naffed off if I don't get it back

R x

Will help you if you reach that point but it's lots of typing and you end up with square eyes

M

Originally Posted by rkm123

Bad news.... Complaint not upheld by the FSO...

Did they say why?

M

Is there any route to appeal this?

Originally Posted by rkm123

Hi.

I have filed my complaint with the Ombudsman regarding the PPI on my husbands Egg card. The claim is for mis-selling in that he didn't know he had it (don't ask how he didn't know - I was dumbstruck when I realised!) and he certainly didn't need it as it gets 6/12 full pay 6/12 half pay from work and we have plenty of private Life Insurance.

Are these the only reasons you gave as to why you thought the policy was mis-sold or did you give others?

M