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BACKGROUND: Am in process of claiming back Egg Card PPI. I feel it was applied without my consent. I had account for 4 years, ACCOUNT NOW CLOSED. Total PPI taken £981 of first 3 years approx, until I realised what it was and cancelled it. (approx £24-31 per month, varied)
ACTION MADE:
1. Spoke to helpline and he sent me screen shot of the 'application review' screen when I made my application for the card online.
2. Made SAR
3. Made Credit Card Agreement copy request.
RECEIVED THROUGH POST:
1. Received screen shot. Only shows a web form, with one box labelled 'Payment Protection' and the text 'ACCIDENT, SICKNESS, UNEMPLOYMENT and LIFE' entered into it. Doesn't prove that I selected anything so far..
2. Received SAR, however was simply a load of statements shoved into an envelope.
3. Received CCA, however no mention about overlimit charges or anything about PPI. Just two pages of paper containing my signature.
ACTION TAKEN:
1. Spoke to OFT. Said that they would have to prove I ticked a box otherwise no contract is made.
2.Sent reply to Data Protection Manager asking for full information on myself stating that some data I requested is missing. They have deadline of 3rd April to Reply
3.Included reply to Data Protection Manager regarding the CCA. Said it does not indicate any agreement with PPI at all, and that I require this information as evidence. They have deadline of 6th April to reply.
They have sent me the CCA agreement again (still no inclusion of any PPI apparent on it), and sent me a copy of the terms and conditions of it. (Thanks, should have sent me that when I opened the account).
They keep bleating on about this 'screen shot' of my application review for the Egg card, and have sent me another copy of it. It says it 'is as filled in by me on my application' and that it is 'read-only' format. Thing is, i didnt type in the words 'Accident, Sickness, Unemployment and Life' into the box.
I need help as how to take this futher. How do I prove, that they cannot prove that I selected this? i.e I ticked a box. Would this screen shot really prove I must have opted for PPI at time of application, in a court?
It seems the only evidence they have of me opting for PPI is this screen shot. I have no recollection of selecting this.
Can anyone please advise, I really want to get them over this.
Phil
Already won full refund from EGG Card in relation to overlimit charges.
They have sent me the CCA agreement again (still no inclusion of any PPI apparent on it), and sent me a copy of the terms and conditions of it. (Thanks, should have sent me that when I opened the account).
They keep bleating on about this 'screen shot' of my application review for the Egg card, and have sent me another copy of it. It says it 'is as filled in by me on my application' and that it is 'read-only' format. Thing is, i didnt type in the words 'Accident, Sickness, Unemployment and Life' into the box.
I need help as how to take this futher. How do I prove, that they cannot prove that I selected this? i.e I ticked a box. Would this screen shot really prove I must have opted for PPI at time of application, in a court?
It seems the only evidence they have of me opting for PPI is this screen shot. I have no recollection of selecting this.
Can anyone please advise, I really want to get them over this.
Phil
Already won full refund from EGG Card in relation to overlimit charges.
Hello Phil,
This just your typical case of we really don't want to give you your money back. and if we tell you so you will go away.
Personally I would start the process, send your prelim letter Let them know that you are serious and watch this space.
I have felt a bit floudery in the beginning, and thought should I, What If? :-? but that is how they want you to feel so you don't try and they have won and still got your money.
The first two letters only cost a £1 to send and then see how you feel
Everybody on the site is really in the same boat and we are all here to help each other
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Yeah get on with you prelim matey, get the ball rolling.
I think i will have an easy attepmt at Egg, as they have stated i took the PPI when i sined up online when applying by ticking the box. then i said prove it and they changed there story to "You took the PPi out over a phone call (6 months after account was opened)"
So basically with so many people in this situation, Egg obviously have broke the law, by adding this ppi without conscent, then making your story up to cover themselves.
I will send the pre-lim letter today and get this case going. It does seem that they are struggling to provide hard legal evidence, so I feel I have good chance of getting them. Will be calling the OFT today for advice, and will start a complaint with the FO. The FO have been inundated with complaints, so will see how long a reply takes.
Haven't sent Prelim letter yet. Am awaiting results of my SAR request. They failed to supply me with complete information the first time around, so I wrote back to to them asking for the remainder. They have until the 3rd April to comply.....
Haven't sent Prelim letter yet. Am awaiting results of my SAR request. They failed to supply me with complete information the first time around, so I wrote back to to them asking for the remainder. They have until the 3rd April to comply.....
Phil
Lets hope they comply by the third of April if they don't report them to the information comissioner office. Also threaten them with legal action re breach of SAR.
And go and get them
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
I am doing a claim for our Egg card (Husbands account - I do all the work!!) I have sent off the pre-lim and lba with the PPI included in the schedule of charges with the rest. I have not kept it seperate. I have received full compliance of the SAR and CCA, and can find nothing relating to us requesting this PPI. When it comes to filing at court I spose I can just include it in the POC. Hope so - or i'm stuffed! lol
Hi Phil - will keeping checking in on your thread - it looks like there are quite a few of us in the same boat here. I'm awaiting my SAR info and have asked them to fully comply with the CCA request specifically to send me any info relating to PPI.
ajjars
I am doing a claim for our Egg card (Husbands account - I do all the work!!)
ha ha I know the feeling! I'm running out of accounts to go at now and have turned my attention to my OHs!
PLEASE sign this petition to reduce amount of time CRAs hold your data
http://petitions.number10.gov.uk/CreditRA
Am in exactly the same boat with Egg. I thought I would try the FO route for a change as I would still have the court option should I need it. Two and a half months later I am still waiting for the FO to START their investigation as they are inundated with PPI complaints. Starting to wish I had just gone to court after all.
Am in exactly the same position as you (OH's account), even down to the screen shot.
Have already started mcol and had their defense which said it was up to my OH to prove that he didn't ask for insurance.
My OH certainly did not ask for this insurance and because he is as blind as a bat did not read his statements which would have alerted him to the fact that when he was made redundant he would have been able to make a claim against it instead of struggling to pay the card off.
I've been away from here for a while. Have now got time to persue this matter again. Will keep informed. No update since my last post....time to make a complaint
UPDATE: pturner and EGG Card PPI
Card PPI
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Re: UPDATE: pturner and EGG Card PPI
Originally Posted by pturner
go and get them
