Ppi claim new information found need help

[loulouxxx]

Hi Everyone,

 

 

I have a thread where I have sent my claims for both EGG CC and EGG Loan.

 

I have since found that I also had a Capital One card that had PPI too.

 

After going through all my papers I have come acrossed a hospital letter from May 2013.

 

Within the letter it states that I have had a condition known as Hidradenitis Suppurativa since May 2003.

 

It has only been since 2012 that I had a diagnosis but I was having symptoms since 2003.

 

I have already sent off 2 claims for Egg both stating that they were pre ticked boxes

and that I was told that it would greatly improve my application to take out PPI.

 

Now on these I have my terms and conditions and

within it states that I am not covered for 'Pre existing medical conditions'

Egg never asked me about my medical history or suitability.

 

I can see that I wouldn't have been covered for HS which has been ongoing throughout.

When I took out the policy I wouldn't have known that I had a condition

as I had only a few abcess' and was told that it was a skin infection.

 

In 2011 I was then told that they were reoccurring Abcess' and finally in 2012 I had a diagnosis.

 

In regards to Capital One.

I rang them as I had an account in Oct 2003 - Feb 2008

and asked if I had PPI (I don't have any paperwork) and was told that I did.

 

I was talking about it with my Dad and he remembers that he actually helped me with the online application.

He remembers it because it made him open one also.

He remembers that the box was also pre ticked as with Egg

and he was also shocked when I said that it was optional.

 

We were under a reasonable impression that it was not optional.

 

I received only a summary of the PPI with Capital but never a full policy explaining the exclusions.

(Capital One were actually fined by FSA for that in 2005)

 

With both of these agreements would my illness have been considered to have been pre existing?

noting that I had only one outbreak during between may and dec 03.

Egg did sent me my T&C but I was told that my application would be rejected.

 

I was also under that same impression with capital One except I didn't get any in detail policy from them.

 

Any help would be appreciated!

 

 

Louise

Edited February 18, 2014 by Sidewinder
Full name edited for anonimity purposes

[dx100uk]

forget your medical condition

 

you nor they knew about at the time of application so appears to play no part

 

the important part here is the pre-ticked PPI page.

 

no excuses use that.

 

have you done the FOS questionnaire yet?

 

dx

[loulouxxx]

Thanks for the reply!

 

 

Yes for Egg loan and the one from the Barclays website for the CC. With the Pre tick boxes is there success.

 

I'm thinking that by given a reason why I wouldn't have been suitable

then it might add weight to my claim.

 

I can understand how they would not know if it would reoccur neither did I,

but from what I have read if people do have symptoms before a policy is taken out

and after when they become ill again then this can be seen a 'a pre medical condition'?

 

With HS the main symptom is abcess' and tissue inflammation and its the nature of the disease.

If my medical history was taken I would've mentioned that as it was multiple abcess' over a few weeks.

 

With Capitalone I have given my points for my complaint as being

 

1. The PPI box was pre ticked and nothing on the page showed that it was optional

(I also mentioned that I had applied for another card where it too was a pre ticked box

and was told that if I didn't take PPI my application would be rejected)

That was used to highlight the importance of information.

 

2. That I was not sent a full policy which outlined terms and conditions and their limitations or exclusions.

Nor any explanation in the terms used.

This has never been sent.

I also stated that I understand that its unadvisory sale

but how can I make a decision without information or to tell me that it was optional.

I also said the same in regards to a cooling off period.

 

3.I have mentioned my illness and that I was having symptoms but didn't have a diagnosis at the time.

If I had been given all the information with the limitations & exclusions t

hen I would've been able to make a responsible decision.

I also said that I still to this day don't know if I could've claimed for sickness.

I am hoping this will be enough.

[dx100uk]

so you've sent this to cap1 using the FOS PPI questionnaire?

 

its sometimes better not to use a scattergun approach

unless/until they refuse your claim.

 

an unadvised sale is just that

so they can totally ignore whatever medical stuff you comeup with.

 

it was 'unadvised'...end of .

 

te main reason is the website was preticked

and you were unable to progress without it being ticked.

 

the FOS, if it ever gets that far.

will know this fact already because of previous complaints.

 

the trouble with bringing in medical stuff or other 'excuses'

it allows the FOS or more correctly forces the FOS to examine ALL the issues with the sale

 

they have sadly on numerous occasions ruled that

regardless of the site having the pre tick 'error'

it was unadvised, and rule in the creditors favour.

 

dx

 

 

 

is i

[loulouxxx]

ah ok I didn't actually realise that.

 

To be honest I kind of wanted to explain away their excuses before they used them

also the same with the 'Cooling off' comment.

 

Exactly and that reason why I want to make sure that not only was the box was pre ticked

they did not send me any information that detailed my policy

so how can I make an informed decision without even knowing I had one!

 

I have read a lot of rejections and it seems to be a generic letter because every thing is the same.