Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
What were you reclaiming: PPI on Credit Card
Who was the provider: Egg
I have tried to claim for the misselling of PPI on my credit card with Egg from 2001, they refused so referred it to the fos. I Received a letter from FOS today not upholding my claim!! To sum it up they say that "it is clear from the evidence from Egg that I was presented with three choices, which were to opt to take the cover for myself, for my partner or to decline cover, which I apparently chose to take out the cover (This would have been a Pre ticked box) The terms and conditions were online which I ticked to say I had read it. They say that although I had pre exhisting conditions it was up to me to check for exclusions. "Furthermore, it is evident that you had to act positively by selecting an option on the application to take out the policy." Cost of the cover was clearly shown on the online application and would have also been on the monthly statements. You commented that you were unaware that you had the policy until Egg sent your statements, however I can not conseder this point as your statements were available to view online (I never checked and I could not as I did not know my log in details)
Hope that makes sense as I have tried to shorten it. I am so dissappointed!
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
Re: Egg credit card - FOS have NOT upheld my claim!
No only on line statements which I foolishly I never looked at, in fact I did try once or twice but couldnt remember the password (head in the sand job, in debt at the time and was using debt to pay for debt, stupid I know now and in the process of getting all debt in hand but very stupid at the time)
Re: Egg credit card - FOS have NOT upheld my claim!
just to confirm you applied for this loan online?
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Egg credit card - FOS have NOT upheld my claim!
on Credit Card
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