Egg PPI Claim - Rejected by FOS

[bergebabe]

Hi there,

 

I was really hoping for some help and advise on whether there is any way forward with this complaint.

 

I complained to Canada Square about an egg credit card taken out in March 2001.

I know that I did not opt in to take PPI

- that the box was pre ticked,

as I was also advised on the phone that the box had to be pre ticked to complete the application when I questioned it.

 

They rejected my complaint as my personal circumstances meant I had no cover (significant sick pay or savings etc). I don't see how this is relevant.

 

I took it to FOS and they rejected my complaint.

I have questioned it and they say their records show it was opt in at this time.

But I know this isn't true.

 

Can anyone give any advice on how to proceed with this?

[dx100uk]

there are two issues here

the FOS are quite aware that the EGG website and their agreements always had the PPI pre ticked for many years

and they have ruled this was unfair many times

 

the real issue here is that EGG along with everyone else were not regulated in 2001

so they have no powers in this instance to rules otherwise than with the creditor.

 

the only option you might have is to go after the insurance underwriters

they might well have been regulated under GISC or its predecessor rules for insurance companies.

[bergebabe]

Oh right!

 

Why would they not have mentioned it was because they were unregulated in this case - I thought FOS was supposed to be impartial?

 

It is all very annoying. The FOS have said if I can provide proof that it was pre ticked they can overturn their initial decision - but if what you say is true then thats not the case I imagine.

[dx100uk]

well have you sent Canadian Sq an sar?

or you blindly fired off a complaint before trying to get everything first?

[bergebabe]

I did a SAR request to egg before they changed hands, quite a few years ago.

 

This was my first attempt to claim the money back. They sent me a copy of my agreement (online screenshot) showing it ticked and my electronic signature. This neither proves nor disproves my situation. They rejected my claim and I didn't continue to chase it - I should have but I didn't. This was about 2009.

 

I have lost all of this paperwork in a recent house move. I didn't see the point in another SAR request as the last time the information was of little use. And talking to FOS they have been unable to supply very little original paperwork as evidence (Canada Square) due to the age of the case. They have relied on examples of what I would have seen. Which is clearly fabricated.

[dx100uk]

yea then sounds like a typical omline pre ticked box rip off

sadly nowt toward egg you can do

as that con wasn't unlawful till the FOS took over in 2005

 

 

so underwriters of the PPI

and try them the same.

 

 

dx

[bergebabe]

OK THANK YOU!!

 

Anyone any idea who the underwriters were for egg in 2001? I have found it could be AXA but not sure of timeline is correct.