Egg CCP PPI Court Claim Mrs P

[phatram]

Can anyone help? I have asked Egg for proof that I requested CCP and they have told me that I requested the cover by leaving an online box ticked, therefore having no proof. I can't remember doing this, but obviously it is my word against theirs. They have been taking 40.00 per month off me for quite a while, and I hadn't really noticed it on my statement until now!

Any advice gladly accepted!!!

[phatram]

bump

[phatram]

bump

[ladybird17]

Do you have your copy of the agreement?

[phatram]

No

[ladybird17]

CCA them then.

[rory32]

As Ladybird says a copy of the agreement will show what you signed up for. As Egg are an on-line company they always have these.

[phatram]

So if as they say,

'I left a box ticked online' to say I wanted CCPP where do I stand?

I never take PP out as I'm self employed so usually it doesn't apply?

[redsue]

egg are full of c**p, send them a CCA request. But beware I sent both a SAR and a CCA request and there was no paperwork at all to say I requested it.

 

have a look at my thread, it may be of help

http://www.consumeractiongroup.co.uk/forum/egg/77119-redsue-egg-2.html#post870735

 

You could alway try calling their customer relations number 0800 783 4393 and demand proof

[phatram]

CCA on the way.

Delivered on 11/06/07

[phatram]

Prelim sent 27/06/07

[phatram]

Private and Confidential

 

 

This letter is about

your complaint

It was sent to you on 2 July 2007

 

Reference

 

 

 

Dear Mrs XXXXXXXX

Re: Your Egg account XXXXXXXXXXXXXXXXX

Thank you for your letter dated 26 June 2007 with regards to your complaint about the Card Repayment Protection premiums on your Egg Card account.

As stated in my letter dated 4 May 2007, the Card Repayment Protection cover was applied to your account after you completed a balance transfer online for £500.00 on 29 August 2006. I am sorry but my decision still stands and no refunds will be made.

If you are unhappy with my decision you can now refer your complaint to the

have enclosed their leaflet for your

 

Financial Ombudsman Service, convenience.

Contacting us

We're open from 9am to 5pm Monday to Friday (excl. Bank Holidays)

 

To talk about this letter you can-

Call us on: 08007 834 393 E-mail us at: [email protected]

 

 

 

 

 

 

If there is anything in this letter that you wish to discuss or needs further explanation, please don't hesitate to contact me using the contact details at the side of this letter. Alternatively my direct number is 08007 834 393 ext 6162.

Yours sjflcerely

Write to us at:

Customer Relations Office

Egg

Riverside Road

Pride Park

Derby

DE993GG

 

Jackie Bradley

Customer Relations Adviser

Egg pic

a trading name of the Egg group of companies which includes: Egg Financial Intermediation Ltd (reg no 3828289) and Egg Banking pic (reg no 2999842). Egg Banking pic and Egg •-

[phatram]

I prelim'd EGG and today is LBA day as they have not responded.

I am a bit stuck as to what to put in LBA as I've combined my claim for a refund of Credit Card Repayment Protector with a few overlimit charges which were applied to my account.

Any ideas?

Many thanks.

[phatram]

How does this read ?

 

THE CUSTOMER RELATIONS OFFICE

EGG PLC

RIVERSIDE ROAD

PRIDE PARK

DERBY

DE99 3GG

 

 

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxx xxxx xxxx xxxx

 

I am very disappointed that you have failed to respond to my letter of the 20/06/07.

I now understand that the regime of 'fees' which you applied to my account in relation to overlimit charges are unlawful at Common Law and contrary to consumer regulations.

I am also disappointed you have failed to provide proof of me ever requesting CCRP to be applied to my account and so I am also claiming that back as I believe it was added to my account wrongly.

Having looked closely at all the paperwork you provided, I can find NO evidence of my requesting CCRP. If you can provide me with written proof of me requesting CCRP I will quite happily amend my schedule accordingly.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise.

 

I calculate that you have taken £xxx.xx plus £xxx.xx which you have charged me in interest for the sum which you have taken. Total £xxxx.xx. I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 20/06/07.

 

I require repayment in full of this money and If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus the interest I am charging you at your cash advance rate plus my costs and without further notice.

I claim interest at an annual rate of 22.9% compounded daily. I believe this rate to be justified under the principle of mutuality and reciprocity as the charges levied are unlawful and the CCRP was wrongly applied to my account: it is based on your cash advance rate that would be applied under the terms of the above mentioned account.

You are also reminded of my request that you forward a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These are requested under CPR Pre-Action Protocol 4.6©, and your continued failure to provide them will be brought to the attention of the court, should it be necessary to commence a county court action.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

 

Yours faithfully,

 

 

 

 

 

Mr Phatram

[phatram]

Prelim delivered 02/07/07

Heard nothing from EGG

[phatram]

Anyone got a LBA template for PPI repayment for Egg credit card please?

[phatram]

Thank you for your letter dated 16 July 2007 with regards to your complaint.

As stated in my letters dated 4 May 2007 and 2 July 2007 my decision still stands and no refunds will be made with regards to the Card Repayment Protection that was accepted by you when actioning a balance transfers online with Egg.

Please note that I will not be entering into any further correspondence with you and I would suggest if you are not happy with my decision you can refer your complaint to the Financial Ombudsman Service. I have enclosed a leaflet for your convenience.

 

Contacting us

We're open from 9am to 5pm Monday to Friday (excl. Bank Holidays)

To talk about this letter you can:

Call us on: 08007 834 393 E-mail us at: [email protected]

 

 

 

 

 

 

 

 

 

Yours smcerely V

Jackie Bradley

Customer Relations Adviser

Egg pic

 

Write to us at:

Customer Relations Office

Egg

Riverside Road

Pride Park

Derby

DE993GG

 

 

Egg is a trading name of the Egg group of companies which includes: Egg Financial

Should I file at court or use the FO?

[phatram]

After helping my wife to beat the Egg, I am now going after them for my CCRP(PPI), which with interest at 22.9% amounts to 1.5k.

I was never told I could get this insurance anywhere else, so I believe I was mis-sold this .

[hellhasnofury]

After helping my wife to beat the Egg, I am now going after them for my CCRP(PPI), which with interest at 22.9% amounts to 1.5k.

I was never told I could get this insurance anywhere else, so I believe I was mis-sold this .

 

Hello phatram,

 

Glad to see you back and good luck:-D

[phatram]

Thanks h.

[phatram]

egg.com >•cards >•loans > mortgages > savings > investments *• insurance >

 

egg

 

TM

 

 

 

 

 

 

 

Private and Confidential

 

 

 

This letter is about your complaint

It was sent to you on 26 March 2008

 

Reference EGG

 

 

 

 

 

 

We've received your complaint

Dear Mr P

Re: Your Egg account

I'm sorry that you have had to complain to us, We will start to work on your case right away and one of our Customer Relations Advisers will ring you to discuss your complaint in detail. If you need to contact us in the meantime, don't hesitate to use the contact details at the side of this letter. However, can you please ensure your contact details are up to date by logging into your account via the website.

We will do everything we can to resolve this with you as quickly as possible. Here are the timescales that our regulator, the Financial Services Authority, requires us to work to. in the vast majority of cases we resolve problems a lot quicker than this:

• We will acknowledge your complaint promptly, but no later than five

business days from receipt of your complaint.

• If we are unable to resolve your complaint within four weeks of receipt, we

will contact you and explain why. We will also give you an indication of

when we will next be in touch.

• If we are unable to resolve your complaint to your satisfaction within eight

weeks of receipt, we must contact you again and explain why. You can then

(or sooner if you do not accept our earlier resolution) exercise your right to

take your complaint to the Financial Ombudsman Service. You have six

months from the date of our resolution to do this.

Thank you for letting us know about the problems you have experienced and for the opportunity to put things right.

Yours sincerely

Jeanette Hadfield Customer Relations Office Egg pic

[hellhasnofury]

egg.com >•cards >•loans > mortgages > savings > investments *• insurance >

 

egg

 

TM

 

 

 

 

 

 

 

Private and Confidential

 

 

 

This letter is about your complaint

It was sent to you on 26 March 2008

 

Reference EGG

 

 

 

 

 

 

We've received your complaint

Dear Mr P

Re: Your Egg account

I'm sorry that you have had to complain to us, We will start to work on your case right away and one of our Customer Relations Advisers will ring you to discuss your complaint in detail. If you need to contact us in the meantime, don't hesitate to use the contact details at the side of this letter. However, can you please ensure your contact details are up to date by logging into your account via the website.

We will do everything we can to resolve this with you as quickly as possible. Here are the timescales that our regulator, the Financial Services Authority, requires us to work to. in the vast majority of cases we resolve problems a lot quicker than this:

• We will acknowledge your complaint promptly, but no later than five

business days from receipt of your complaint.

• If we are unable to resolve your complaint within four weeks of receipt, we

will contact you and explain why. We will also give you an indication of

when we will next be in touch.

• If we are unable to resolve your complaint to your satisfaction within eight

weeks of receipt, we must contact you again and explain why. You can then

(or sooner if you do not accept our earlier resolution) exercise your right to

take your complaint to the Financial Ombudsman Service. You have six

months from the date of our resolution to do this.

Thank you for letting us know about the problems you have experienced and for the opportunity to put things right.

Yours sincerely

Jeanette Hadfield Customer Relations Office Egg pic

 

Hello Phatram,

 

What a lovely standard template letter they have sent you:roll: Please be mindful regarding the phone call that you will received from one of their customer advisors. They can state anything and possibly may or may not record the conversation. Personally I would ask them to correspond in letter only or you record the conversation:grin: .

[phatram]

egg.com >•cards > loans >•mortgages > savings ^ investments ^ insurance »

 

egg

 

TM

 

 

 

 

 

 

 

Private and Confidential

 

 

 

This letter is about your complaint

It was sent to you on 01 April 2008

 

Reference EGG/

 

 

Your complaint

 

 

 

Dear Mr P

Re: Your Egg account xxxxxxxxxxxx

Thank you for your recent letter regarding the problems you have experienced. I have taken personal responsibility for resolving this for you.

Please accept my apoiogies for any inconvenience that this matter may have caused you.

: have investigated the situation and set out the summary of my findings for you below.

What I understand your complaint to be about

• You dispute accepting Card Repayment Protection on your Egg Card

account, and feel the cover has been mis-sold to you.

• You have paid premiums from your account for this insurance cover.

• You require the premiums paid to be refunded to your account.

What my findings are after investigating it

• You originally opted in to having card repayment protection when you

applied for your Egg Card Account on the 16 July 2002. I have enclosed a

copy of the data which is transferred from your online application. This data

cannot be adjusted or manipulated by Egg personnel. I have blanked out

some of the more sensitive information for security reasons. At the end of

your application online, you would have been presented with a screen with

two boxes, one says 'Yes' next to it and one says 'No'. Neither of these

boxes were pre-selected.

• You then cancelled the policy on the 10 June 2004.

• You completed two balance transfers online on the 3 September 2004.

Once you had entered this information you were again presented with the

two boxes asking if you would like to have the protection applied. This time

the 'Yes' box was pre-selected. We have taken a business decision to

refund the premium charged to you because of this pre-selected box.

 

Contacting us

We're open from

9am to 5pm Monday to Friday (excl. Bank Holidays)

To talk about this letter you can:

Call us on: 08007 834 393 E-mail us at: [email protected]

Write to us at:

Customer Relations Office

Egg

Riverside Road

Pride Park

Derby

DE993GG

 

 

 

Egg is a trading name of the Egg group of companies which includes: Egg Financial Intermediation Ltd (reg no 3828289) and Egg Banking pic (reg no 2999842)- Egg Banking pic and Egg Financial Intermediation Ltd are authorised and regulated by the Financial Services Authority (FSA) and are entered in the FSA register under numbers 205621 and 309551 respectively. These members of the Egg group are registered in England and Wales. Registered office: Citigroup Centre, Canada Square, London E14 5LB.

[phatram]

egg.com > cards >•loans >•mortgages > savings > investments > insurance *^^ ^^j ^^fe TM

• You cancelled the cover a second time on the 1 December 2004. Only one premium had been charged during this period. I have enclosed the statements from the 2 September 2004 to the 2 December 2004 for you to refer to. Please note, the transaction dated 23 November 2004 is not Card repayment protection but a cover against lost and stolen cards.

I will arrange for the refund of one premium which was £32.20 plus the subsequent interest of 53p which was based on a rate of 1.167% per month. This will show in your current Account within 5 working days.

I am unable to refund any further charges because you opted into the cover upon completion of your application.

You now have six months from the date of this letter to take your complaint to the Financial Ombudsman Service - further details are available on www.financial-orriDjdsrnan.org.uk. A copy of their leaflet is available, so please contact us if you would like one sent to you.

If you want to discuss your complaint with me, please use the contact details at the side of this letter. Alternatively my direct number is 08007 834 393 ext 6836.

I am sorry that we were unable to agree to your request on this occasion. Yours sincerely

 

Louis Rodgers

Customer Relations Adviser

Egg pic

Egg is a trading name of the Egg group

[phatram]

What my findings are after investigating it

• You originally opted in to having card repayment protection when you

applied for your Egg Card Account on the 16 July 2002. I have enclosed a

copy of the data which is transferred from your online application. This data

cannot be adjusted or manipulated by Egg personnel. I have blanked out

some of the more sensitive information for security reasons. At the end of

your application online, you would have been presented with a screen with

two boxes, one says 'Yes' next to it and one says 'No'. Neither of these

boxes were pre-selected.

But you failed to tell me I could get this cover elsewhere and a darn sight cheaper, so you mis-sold it to me !

Part acceptance letter and LBA will soon be on its way.