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Well I was going through a shoe box trying to find a paying in book and came across some paperwork for a Egg Loan I took out in 2003 and bugger me it says I had PPI insurance on it.

 

I've popped a letter in the post to Egg explaining why I think I was mis-sold this insurance and am awaiting their response.

 

However I'm struggling with the single cover vs monthly paid premium as the documentation I have just states Loan Payment Protection and doesn't state what it is I was actually conned into accepting.

 

Would someone be so kind as to work out how much they owe me (attached jpg of loan agreement)?

 

If anyone needs any copies of the egg paperwork for oct 2003 then let me know I have everything in pristine condition. More than happy to scan and upload.

 

h t t p://img408.imageshack.us/img408/3321/page1small.jpg

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Does the documentation not state if it was up front or monthly PPI? You need that information and the duration, APR etc before doing the calculation. You may want to consider issuing a SAR so you get access to the information- ask for everything related to you in every format.

 

I can't do the calculations but there are others on here who are excellent!!


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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Top_Gear,

 

What was the date of the first and last repayments?

 

DJ

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kennythecelt - I'm struggling to find exactly what kind of PPI I had, i'll see what Egg respond with first :-)

 

dj1971 - The loan ran for it's full term so first payment would have been around 28th of November 2003 and last payment being June/July 2006

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Topgear,

 

Looks like was a single premium PPI which would have been added to the amount of the loan at the beginning of the term.

 

According to my calculations and by FOS guidelines, your calculations are:

 

Cos of PPI premium: £700.12

Compound interest: £78.63

8% simple on monthly repayments: £351.50

8% from date of settlement until now: £270.04

 

Total claim: £1,400.29

 

Put together a letter detailing why you believe the PPI was mis-sold and ask for refund of all premiums paid.

 

Send the letter to Egg either recorded/special delivery and keep receipt as proof of postage.

 

Good luck

 

DJ

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Thanks dj.

 

I've sent a letter in asking for the premiums back last week but failed to put any total as I really didn't know how much I was in for apart from the initial £702.

 

I'll update the thread when/if I get a response.

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