EGG PPI and me - help

[vallo1956]

Hi

I am trying to decide whether to try to reclaim PPI from Egg as I have had a credit card with them for years

(now closed and moved to Barclays, but still paying monthly)

and several loans, including 2 top ups (one of which is still current, although no longer have ppi on it).

 

I cancelled all my PPI products on mortgage, loans, credit cards (with Barclays and Lloyds as well as Egg) in 2007

and have some paperwork relating to some of it.

 

However I'm pretty sure I took out at least some loans and my credit card with Egg over the internet.

 

The card and initial loan applications were pre 2007 and I seem to remember some instances of the ppi option box being pre-ticked,

so thought that to untick would reduce my chances of getting credit.

 

I also had absolutely no idea that you could get PPI insurance elsewhere,

until a chance conversation with a friend in 2007.

 

I researched it and then wrote to all lenders (have copies of those letters) cancelling and then took out mortgage ppi and income ptotection instead.

This was much cheaper.

 

What is an SOC and what did you give as reasons for mis-selling?

I think mine would be that they did not make me aware that other products were available (but were they obliged to online?)

and that the pre-ticked box made me think that PPI was preferred/essential to get the card and /or loan.

 

Also at that time I thought that the only alternative to an 'optional' PPI was not to have protection at all

(as I know now, I probably would not have benefited from expensive PPI as my work sickness policy would have paid out for 6 months full pay and four months half pay,

but I do know that online sales are classed as 'unadvised' so they didnt need to check my circumstances).

 

I am trying to get my head around it all before sending anything off to the lenders.

 

I am going to request info from egg and Barclaycard re how the loans,cards etc were taken out as I am not sure whether some phone sales of PPI

were involved along the way.

 

Any info gratefully received.

[dx100uk]

own thread started here

 

dx

[dx100uk]

first port of call is all the satatements for credit cads

 

and

a copy of each loan agreement

 

esp if they were refinanced.

 

SAR to EGG me thinks.

 

dx