Thread: Cant believe Egg

Hi, can I ask what grounds you claimed this was missold, as I have had one for Egg CC PPI tuned down by fos even though I applied in 2001 when it was a pre ticked box and various other reasons. I really dont know what to do about it as I do believe this was missold, any help would be appreciated!

Many thanks for your reply. Was this a pre ticked box? Was there a box that you had to tick to say you were self employed on the application?

Originally Posted by TINK660

Hi jessie

It was an internet application - yes I had to state on the application that I was self employed but I cant remember whether I had to tick a box or not.

Why are the fos not upholding your complaint?

Hi Tink660, thank you for coming back to me. Below is my post which states the reasons given by FOS for not up holding my claim. Basically they are saying it was a non advised application and I should have read it more carefully including T & C's.

"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)"

Yes thats exaclty what I am going to do, just wanted a bit more amunition to fire at them. They are saying that I should have read the T & Cs and that I ticked to say I had, but wouldnt that have applied to you also?? Do you know whether on your application that it was pre ticked boxes to take out the PPI policy? Was it 2001 when you took it out?