I have exactly the same case, evidence and explanation....have been using FSO as advised....to date an absolute waste of time. FSO Officer accepts all my representations and facts put to him but finds that Egg don't have to "prove" that I accepted and signed for PPI......and that I should have known about it earlier and therefore, at least, been able to mitigate my loss. I suggest we rename the Financial Services Ombudsman as the Financial Services " Man ". I will keep watching what happens here and decide whether to take my case through to the courts. I am really just fed up of this corporate "con"......if there are so many of us why can't we all get our act together, start a fighting fund, pursue one case and stick it to them? Has anyone ever actually won a case against Egg for mis-selling of PPI??

Am also experiencing problems with Egg. Took out Credit Card with them in 2000 but never used ....in 2005 offered 0% interest deal which I used. I've never accepted any PPI on any card from anyone over the last 30years as I'm self-employed and diabetic for last 18 years. Unknown to me Egg have been applying PPI saying I ticked an online box when I applied for the card. 25 emails & letters later Egg wash their hands so I get the Financial Ombudsman service involved. He says they can't prove that I signed anything as it's so long ago although they have told me in writing that they have to and did send me a policy and acceptance document which I signed and returned to them!!!!!!!! I'm now waiting for the Ombudsman to reconsider his thoughts so far. I'll keep this forum posted but encourage anyone with this problem to take it to Ombudsman and not allow Egg and others to hope you'll go away...........