ok , I have never defaulted so i think i'm alright. PPI did send me over my limit once . Thanks

Thanks for that. I think I can hold out. Egg initially told me that I was not entitled to anything and now they send this 8 weeks later.......will go to FOS now. Oh and thanks for the note about charges I think I did once go over my limit because of the PPI charges. That was when in fact I realised just how much PPi was costing me.

Hello Just got an egg letter through the post. It is interesting to note that this has just happened 7 days before the end of the 8 week period before I can contact the Ombudsman When I wrote to them I asked for a complete breakdown of all payments plus a refund with interest on top. I got the following letter "Dear Mr XXXXXXXXXX Thankyou for your recent letter. I am sorry to that you have had cause to complain to us and can assure you that we take all concerns raised by our customers very seriously. After carrying out out a comprehensive review of your complaint, I have arranged for a full refund of all premiums charged to your account , together with the associated interest charges. The total amount concerned is £2499.99 , and this will be credited to your Egg account in the next 3-5 working days. On the basis that I have been able to resolve your complain I have now closed your complaint. If for any reason, you wish to pursue thsi matter further you may refer your compliant to the Financial Ombudsman Service within six months of the date of this letter - a copy of their leaflet is enclosed for your information. I would like to take this opportunity to assure you of our commitment to providing you with excellent customer service Yours KXXB HXXD ( or something !) " I thought was good news then wondered if they were fobbing me off. I read the following in the Sunday Papers Banks fobbing off PPI mis-selling complaints with 'goodwill' payments | Money | The Observer It seems coincidence that my figure was around the standard 2,200 they have offered other people. I did ask Egg for a compleat breakdown of all my payments as I am not , bought thought , my claim was worth around 5K plus interest. Its interesting also they have not made an offer and now consider the complaint closed without asking me what I think of the offer. They also are not admitting liability ( or are they by making the offer. All in all its a very brief letter. The other thing is I no longer have an Egg account. Should I touch the money ? Will that end any further claim ? ....

Have sent off for the SAR now. Will be interesting to see what they send back BB

Cheers Guys simmo66 When I called Egg about telephone selling of PPI they tried to fob me off. They suggested that FSA findings in December 08 (when Egg got fined ) only went back to January 2005 when the FSA assumed regulatory powers. Since my PPI was taken out in 2003 they are saying FSA terms of conduct do not apply to me. I feel this is a red herring as I never got any t+c's sent to me. I will apply for a subject access request. I assume there is a template letter. Better send ID as well as it seems that they use this as a method of stalling. Anyone know what ID they accept ?

Hi there, I'm at the beginning of a claim against Egg for PPI sold over the phone for PPI on my Egg credit Card Essentially I was never sent any t's and C's. Egg were fined in December 08 for mis selling over the phone. I'm trying to get a thread going on this so please post on the link below if you any experiences of telephone misselling. Your helpwould be much appreciated http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/181836-egg-card-telephone-selling.html#post2002769 Cheers.

I received a standard reply from Egg saying that they are dealing with my complaint and that they have eight weeks reply. Realistically they will drag things out and so they have until the end of March before I go to the ombudsman. I see that people are having some success with Egg having made on line "acceptance" of PPI. http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/176719-egg-ppi-claim-issued.html As i have pointed out in my first post as someone who was sold PPI over the telephone I never recieved any T+C's to look over which I as mentioned in the last post must give me a pretty strong case. Has anyone got any links to PPI sold by egg over the phone ? or a info about this through the court. Most post seem to center on on line applications.

Hi there, I am in the early stages of reclaiming my PPI from Egg Credit Card after it was sold to me over the phone,. Has anyone had any success in getting it back from them ? There is a fair bit on the web about people who have claimed against Egg but these seem to be about online applications. I was sold it when i did a balance transfer on the phone two years after I got the card. Egg Credit Card were fined in December 2008 by the FSA £700,000 for mis selling over the phone going back to sales made after January 2005. I suspect it is early days yet as the fine has only just been made. All customers who took out PPI after 2005 have been sent a letter. My policy was taken out in September 2003 (over the phone whilst eating my dinner btw.....) so EGG are saying my policy predated the FSA investigation. However when i spoke to he FSA they said that I could still claim if I felt that I been missold PPI - which I do. I have written anyway using a template letter .I believe that I was missold as I have income protection with my job and was not explained the costs of the PPI. Whilst I have closed the account and paid of the card I was shocked to work out that I had paid lots to Egg for this when I did not need it. Anyone sold PPI over the phone by Egg ever get a paper document subsequenlty ? I didn't. I will update this thread with my progress.