Livis V Egg Credit Card Repayment Protector!!

[Livis]

Hello all,

 

I originally submitted my SAR to egg back in January this year.

Well today they have finally managed to send me the statements that i was requesting !!!! It's only taken then 9 months!!

 

Anyway i've been preparing a spreadsheet as i want to re claim the CRP (credit card repayment protector) that they added on without my say so!

 

I've added it up and it comes to over £800!! and if i add contractual interest on it jumps to over £2200!!!!

 

The only thing is the charges date back to 2002.

 

Will they rule anything out that is over 6 years old?

 

Also seeing as Egg were fined for mis-selling of insurance, does anyone know if this will make it easier to re-claim back??

 

Livis xx

[fitztheviking]

I am brand new to this so i dont know if it makes it any easier but the chappie on moneysavingexpert.com says it does. PPI Reclaiming Guide: £1,000s for missold loan insurance... his template has it included.

[Livis]

thankyou much appreciated. I had a look on his website earlier and found some templates that i can use xx

[leviculus_puella]

hi livis firstly good luck, egg may not be as easy as you think to crack have a look n the egg section to see how others are faring it seems that many people are taking egg to the fos as they dont seem to be playing ball despite the hefty fine (which was for telephone sales) the fos have just made their decision with my case against egg in my favour however im still waiting for the cheque

[Livis]

I've not had any response from Egg, to my initial request for repayment for PPI.

I'm thinking about sending them a secure message, has anyone had any luck with doing this ?

[alanalana]

Hello Livis have you seen this link? not sure if it will be of use but it may be:)

 

Egg

 

aa

[Livis]

Hello all,

I have today recieved a reply back from egg, basically telling me the PPI was not mis-sold as i selected it on an online application.

 

They have enclosed screen prints, although the screen print with the Payment Protection box on it was not sent to me with the Subject Access Request docs i previously recieved.

 

Also they have written on their notepads that they do not have the copies of the original application.

 

I also have a pre-existing medical conditon, which i informed them off in my initial letter.

 

Please can someone help me with how to respond to them.

 

I have attached what they sent me.

Thanks Livis xx

[angry cat]

I note that, Egg are still sending out the same old bog off letters!

 

Incidentally, is the PPI/PPC actually shown/referred to on your Egg Credit agreement?

[Livis]

They haven't sent me an egg credit agreement, i requested it back in Jan. Included in the SAR docs they sent me, were notes to say they couldn't locate the CCA.

[angry cat]

Well, you must know that Egg do not roll over that easily!

 

Correct me if I am wrong but I understood that your concerns relate to pre-existing conditions and the Egg exclusion clauses. Your PPI purchase was a non informed purchase of PPI, you were not covered for pre-existing conditions, thus your policy would have been mis-sold.

 

by Livis:

"They haven't sent me an egg credit agreement, i requested it back in Jan. Included in the Subject Access Request docs they sent me, were notes to say they couldn't locate the CCA."

 

If it were me, then I would want to have sight of the alleged credit agreement, together with the Terms & Conditions applicable at the time of entering into said agreement.

Also, I would want to have sight of the inception PPI policy, terms of that policy and;

the underwriting sheet or other documents containing any commission payments received: commissions received on every policy sold by EGG.

 

Egg need to be brought to account re: the mis-selling of their far too expensive Payment Protection product...Humpty Dumpty will again fall off the wall...

 

If Egg will not provide a copy of the executed agreement and any other document referred to in it under your SAR, then make a section 77/78 CCA Request.

Egg will have 12+2 days to comply.

 

AC

[Livis]

Thanks AC for looking in on this for me, i sent them a CCA request also back in January, and they haven't sent me anything at all for it.

It was only when i read their notes that they had made that i saw that they wrote they couldn't locate my cca.

So i think my next step should be to put in a complaint to the FOS

[Livis]

Hello all,

I've put this letter together, i just wondered if someone could have a look for me and see what they think.

Is it worth sending this to Egg or should i put a claim in to the FOS straight away ?

 

I am writing in response to your letter dated 28th October 2009, with regards the insurance sold with the above numbered credit card.

 

I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests so I request that you look into my complaint again.

 

I have already informed you that I had a pre-existing medical condition at the time this policy was added to the account, and therefore on that basis I deem this policy to be mis-sold.

 

I would like you to specify if the Insurance was a pre selected tick box or was it one that I the customer had to opt for as I do not agree that I requested the insurance to be added.

 

I am also requesting again that you send me a copy of the credit agreement together with the terms and conditions applicable at the time of entering into this agreement.

 

Please be aware that I have seen your notes made saying that you cannot locate the agreement, if this is the case please can you confirm that in writing to me.

 

Also I request you to send me the terms and conditions of the Credit Card Repayment Protection Policy that was applicable at the time of inception.

 

If I do not receive a more favorable response within 14 days I shall be pursing my claim for repayment through the court system.

 

I enclose a schedule of charges that I am claiming along with this letter.

 

Yours faithfully,

[goose1234]

Livis, this looks OK but I would wait for Angry cat to verify, you might want to look at my thred, just had an offer through

[angry cat]

Your letter is fine, however, I would consider including the following:

 

The small print wasn't explained to me, including any exclusions to the policy:

I wasn't told about any alternative products or cheaper products.

 

I believe that it would be worthwhile to have another go at Egg, remind them that they have already been fined by the FSA.

 

And yes, you are entitled to a copy of the alleged credit agreement.

[Livis]

Thanks Goose and AC i appreciate your help, will amed my letter tomorrow xx

[Livis]

Hello all,

 

need to update ....

egg finally sent me the cca for this account, despite writing all over their notes that they cannot locate the cca???

Anyway, it's the usual egg CCA with the approved limit wording.

 

I wrote back disputing the account on this basis and i'm attaching their reply below.

 

I can't see why they are saying they don't know anything about my payment protection insurance complaint as i have a letter from them about it ????

 

That's now been passed to the FOS to look at.

 

Can anyone help me with a reply letter to send back to them please?

 

Thankyou

Livis xx