Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


style="text-align:center;"> Please note that this topic has not had any new posts for the last 4000 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all, I'd really appreciate any advice as I've written to Egg, and have just received this response...:

 

Any ideas? I've included my original letter at the bottom of this

 

 

---Original Message---

 

Date: 17 Jul 2009

Time: 07:34

Subject: Mis sold PPI

 

 

Dear Robin

 

The Card Repayment Protection you've had on your Egg Card was taken out during application of the Egg Card. This would've been selected by you.

 

When the policy is applied to the account, documents detailing the policy would be issued out providing further information on any exclusions. It would be your repsonsibility to check through this and to let us know if you feel the policy wasn't suitable for you.

 

I'm afraid it's not possible for us to refund the policy premiums that you've had.

 

As you've stated you've sent in a letter to our Customer Relations Office, I've logged the message you've sent in and escalated it to be reviewed further by them.

 

You'll receive acknowledgement of your complaint within 5 working days. Your reference for the complaint is EGG/505265/2009.

 

If there are any further queries, please don't hesitate to contact me.

 

Thanks for your message.

 

Regards

 

Yuk Ching

Internet Customer Services

 

--

 

Secure Messages - Client Care

 

-----Original Message-----

 

Date: 16 Jul 2009

Time: 16:01

Subject:Mis sold PPI

 

Please find a copy of a letter written to you on the 29th June regarding my missold PPI.

 

I will be sending a copy of the letter via post.

 

Many thanks,

 

Customer Relations Office,

Egg Banking plc,

Pride Park,

Derby DE99 3GG 29th June 2009

 

 

 

Dear Sirs,

 

Mis-sold PPI insurance on Egg Card

 

Request for a refund for:

Robin Ballance ? Card number

St Andrew?s Insurance number

 

I purchased the above policy from you in September 2002 in connection with the credit card referenced above.

 

I now believe that I was mis-sold this policy for the reasons given below, and wish you to investigate my complaint according to your normal complaint procedures.

 

The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.

 

I believe the insurance was unsuitable for me as although I was in permanent employment at the time I took out the policy I was not made aware of the specific exclusions relating to unemployment cover and also to future contract/temporary employment.

 

If my complaint is upheld I require a refund of all premiums paid to the policy, plus any additional interest charged to me because of the PPI. I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money.

 

Please now investigate my complaint within the eight weeks allowed to you.

 

Yours faithfully

Share this post


Link to post
Share on other sites

yea std fob off letter

have you got a copy of your CCA yet to disprove this?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Not yet, DX, I've asked for the Subject access request - is there anything else I should ask for?

Share this post


Link to post
Share on other sites

well you might be lucky that egg will fwd a copy of the cca in the sar, but going by threads in the egg forum, they are trick customers, trying to hide as much as they can.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

oooh good news!!!

 

I got a letter from Customer Services telling me how much they were going to pay me off! RESULT!!!

Share this post


Link to post
Share on other sites

well lets make sure its correct before you agree.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Perhaps you may like to throw into your next letter that egg have been fined for bad mis-selling practices and if they do not sort out your complaint a complaint letter will be winging its way to the FSA.

 

BBC NEWS | Business | Egg fined over insurance sales

 

Now go get them

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

Share this post


Link to post
Share on other sites

Oh sorry misread your last post Well done as DX says make sure it is right.

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

Share this post


Link to post
Share on other sites

you need to be posting up some figures for us to check that they HAVE given you all you should get back.

 

as yet we have seen none, so to say EGG HAVE done you well might be a wrong 'en! infact i'd go as far as saying i bet they have short changed you!

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Have a look at this link for the experiences of others.

 

Egg

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Share this post


Link to post
Share on other sites

Well, now you come to mention it, I was approached by some company touting for business, saying that Egg owed my about £2,000 on my PPI repayment, a few months ago - I told them to sling their hook and demanded to know where they got my personal info from.

 

Ok Figures:

Egg card taken out in 2002 - maximum spending limit - £1500 - this was used almost to it's limit in the first few weeks (plumber/new boiler)

 

So... 7 years, paying off the minimum amount, plus the insurance fee...

 

I think you're right. They have short changed me.

Share this post


Link to post
Share on other sites

and what offer have have you had?

and from your statement what are you paying for ppi?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...