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Egg Loan PPI - Can I claim?

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Hi I was wondering if someone could give me some advice. Took out Egg loan in 2003 with PPI and not long after had a top up loan. Few years later got behind with payments and eventually Egg took me to court resulting in CCJ and Charging Order against my property. Furthermore, Egg sold debt within the last 12 months to another company.

 

Just for the record, I am keeping up with agreed repayment plan and new owners of debt have just offered to take 60% as full and final payment.

 

Taking all of the above history of situation into account, my question is, if I believe PPI was missold to me, do I have any chance of getting it back? Advice greatly appreciated please.:???:

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Yes you do if it was mis-sold.

 

Have you got your agreements and a record of all payments made to the loan?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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Hi ims 21, thank you for replying.

I have the agreement for the initial loan but not for the top up loan. As for payments made, I believe I have good record of this side of things.

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Hi

 

Ok what I would do is SAR Egg to get (amongst other things) a complete history on the account.

 

There is a template for SAR in the CAG library, the link to which is at the top of every CAG page in green. Add a line that says that the SAR is to include copies of all and any agreements you have had with them.

 

It may well be there there were unlawful charges added to the account which you could claim back as well and this should be confirmed or denied by the statement history which should come back.

 

It sounds to me like the Debt Purchaser may not know about the CCJ because why would they offer a discount on a debt that the court has confirmed.

 

As I say I would SAR Egg so that you can get the ducks in line and then have a better idea of how to proceed.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi, I will get on to that immediately and seek further help as and when if that's ok. Thank you for showing me the way forward. I have been afraid to pursue this matter in case my reduced payments were compromised or indeed that they would demand the whole amount owed.

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