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Egg Loan CCA - Discovered PPI - Help Please

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Hi all, I am currently out of work but have been in financial difficulty since 2005 when I became ill and lost my contract (I have been self employed on STC's since 1996) and since then most of my debts are with DCA's.


I recently lost my STC again and I decided to CCA the DCA's to find out where I am financially. Today I received the following CCA from Egg for a Loan I took out in 2000 and I only now realised that it had PPI on it!


The question I have is can I reclaim this PPI back? I really do not remember asking for it or ticking a box on the internet and I am sure I would not have done knowingly as I had earnings protection insurance & a pension from my bank which cost an arm and a leg at the time (thats another story), looking at this PPI on the agreement it only takes effect after 180days / 6 months - What high priced Garbarge!


The amount left on the loan is a lot less than the PPI premium, so do I keep paying token payments while I claim (if I can) or stop paying?


If I cannot claim from what I have read on here, I believe that this is a multiple agreement and as such falls foul of Section 18, is my understanding right?


Apologies for all these questions I have so many agreements etc to go through I am loosing the plot!




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