Egg PPI on Credit Card - Got my SAR, What to do now? HELP

[jellynose]

Hi

 

This is what I am putting on my FOS form, what do you think:

 

I purchased the above policy from you in November 1999 but now believe that I was mis-sold this policy for the following reason :

This is due to the fact that I was not given the correct information when the policy was sold to me, as

•having recently looked at the paperwork for my credit card I now realise that I have been paying for insurance that I did not know I had taken out so could not have been explained to me.

AND

•at the time of applying for this egg card on line the PPI box was pre ticked. I therefore HAD to take it in order for my application to progress.I did not want and I DID NOT TICK a box to agree to the payment of this PPI.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

I look forward to a full and prompt response to this request and payment of my PPI and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman AS NUMEROUS OTHER CUSTOMERS HAVE to investigate my complaint.

Is this similar to what others have written and won.

 

Also although I had an Egg card to November 2007, Egg stopped taking PPI payments from me in November 2005 and I never cancelled it. Should I put the following also:

 

In November 2005 Egg stopped taking PPI from my account and I didn't cancel it. I propose that Egg stopped taking these payments from me as they realized they had miss-sold this policy to me as they never obtained my permission or properly advised me about this PPI as they were legally required to do?

 

What do you think, should I also add this final bit?

 

Thanks

[ims21]

Yes that will be OK

[jellynose]

Thanks

[jellynose]

Hi

 

I got my reply from Egg and they are not upholding my complaint.

 

They said:

 

After carrying out a review of my account, they had established that I purchased the insurance through Egg website on October 1999 and

 

Our online sales process:

 

• Does not require you to take repayment protection insurance as a condition
  of obtaining a card
  
• Does not provide an advisory service
  
• Required you to positively confirm that you wished to purchase the policy
  during the online application
  
• Provided full terms and conditions of the policy and requested you read them
  before submitting
  

They said that this is their final correspondence on the issue with me and they consider the complaint closed.

 

Now it is interesting that they say their on-line sales process DOES NOT require you to take our the insurance, should it not say it did not require you to take out the insurance, they are talking about the present, I am talking about the past.

 

Anyway, what now, should I write off to them again or is it time to submit a complaint to the Financial Ombudsman. If I do what do I send of to them? Would it be the questionnaire and spreadsheet that I submitted to Egg?

 

Many thanks

[ims21]

You can either challenge them yourself or pass it to fos.

 

Google Egg PPI fine as well for more detail about their on-line practices.

 

If passing to fos, send them copies of everything you have sent to Egg.

[up2meears]

Hi Jellynose,

 

Good luck with your claim.

 

I'm just starting my Egg claim as I had to wait ages to receive my SAR. Can I ask you a couple of quick questions please, who did you address your claim letter to? and did you send it to the Pride Park address?

 

Many thanks and again, good luck, I'll be watching your thread with interest

 

Up2