Jump to content


  • Tweets

  • Posts

    • Household budgets have come under pressure as prices soared in the wake of the pandemic.View the full article
    • Please see my witness statement below.  Please let me know what modifications I need to apply.  I haven't included anything related to "administrative charge while paying by credit or debit card" as I wasn't sure if I should include since sign says "it may apply"   Background  1.1 Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.    Contract  2.1 No Locus Standi, I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” From PoFA (Protection of Freedoms Act) 2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.    Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.  3.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses these documents.    Unfair PCN  4.1         As stipulated in Exhibit 1 (Pages 7-13) sent by DCB Legal following the defendant’s CPR request the signage displayed in their evidence clearly shows £60.00 parking charge notice and will be reduced to £30 if paid within 14 days of issue. The defendant puts it to the claimant a request for strict proof when the signage changed to show £100.00 parking charge as the evidence provided by DCB Legal stipulated £60.00 parking charge was indeed the parking charge at the time defendant parked and included in Exhibit 1   4.3        The Claimant did not respect PAPLOC   4.4        It is also unfair to delay litigation for so long and claim nearly four years' interest.    No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;      No Breach of Contract  6.1      No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.    Double Recovery  7.1        As well as the original £100 parking charge and £50 allowed court/legal costs, the Claimant seeks recovery of an additional £70.  7.2        PoFA Schedule 4, paragraph 4(5) states that “the maximum sum which may be recovered from the keeper is the amount specified in the notice to keeper”. Which in this case is £100.  7.3        The Parking (Code of Practice) Act 2019 is also quite clear that the maximum amount recoverable is £100.  Government ministers and government web pages explaining the Act refer to extra charges as "a rip off".  7.4        Unless the Claimant can clearly demonstrate how these alleged additional costs have been incurred this would appear to be an attempt at double recovery.  7.5        Previous parking charge cases have found that the parking charge itself is at a level to include the costs of recovery i.e. Parking Eye Ltd vs Beavis (2015) UKSC 67 which is the authority for recovery of the parking charge itself and no more, since the sum £85 was held to already incorporate the costs of an automated private parking business model and the Supreme Court Judges held that a parking firm not in possession cannot plead any part of their case in damages. It is indisputable that an alleged “parking charge” penalty is a sum which the Supreme Court found is already inflated to more than comfortably cover all costs. The case provides a finding of fact by way of precedent, that the £85 (or up to a Trade Body ceiling of £100 depending on the parking firm) covers the costs of all the letters. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court V Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (...) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6        In Claim numbers F0DP806M and F0DP201T, Britannia vs Crosby the courts went further in a landmark judgement in November 2019 which followed several parking charge claims being struck out in the area overseen by His Honour Judge Iain Hamilton-Douglas Hughes GC, the Designated Civil Judge for Dorset, Hampshire, Isle of Wight & Wiltshire. District Judge Taylor echoed earlier General Judgement or Orders of District Judge Grand, stating “It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgement in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for a addi8onal sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4) of the Civil Procedure Rules 1998.  7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  7.9        The Defendant is of the view that the Claimant knew, or should have known, that to claim in excess of £100 for a parking charge on private lands is disallowed under the CPRs, the Beavis case, the PoFA AND THE CRA 2015, and that relief from sanctions should be refused.    In Conclusion  8.1        I believe the Claimant has got use to intimidation tactics and has got greedy. I believe the truth of the manor is the Claimant has used bullying tactics successfully for too long and is therefore assured that innocent drivers will fall into the trap of paying rather than going through the hours it takes to defend themselves. In the process, wasting the time of the Court, the time of the Defendant and everyone else who has advised the Defendant, out of sheer decency to help have a fair hearing and see justice delivered.  8.2        I am still in disbelief that I am being heard in this court, defending myself nearly 4 years after receiving a charge through my door. I have had to spend weeks’ worth of my life studying the letter of the law in order to defend myself from this ridiculous attempt at a swindle.  8.3        I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • 'I thought why don’t we give it a try?' said student Swapnil Shrivastav, after inspiration struck during water rations.View the full article
    • honestly he/she just makes these ppc look so stupid everytime   fairplay lfi
    • Women share their stories of how they feel renting has held them back in life.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Angry Cat V Egg Credit Card Ppi


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6275 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Guys,

 

The following is the preliminary letter that I have just sent to EGG asking for a refund of premiums, interest compounded and I am asking for compensation re the mis-selling in order that my account will be brought back to the status quo.

 

"February 21, 2007

Mr. John Murphy

Egg Banking plc

Governor’s House

Laurence Pountney Hill

London

EC4R OHH

Dear Mr. Murphy,

COMPLAINT RE: MIS-SELLING OF PAYMENT PROTECTION INSURANCE, REQUEST FOR RETURN OF INSURANCE PREMIUMS, COMPOUND INTEREST AND COMPENSATION – ACCOUNT NUMBER XXXX XXXX XXXX XXXX

I applied for a Boots Advantage Credit Card on or around July 2001 (XXXXXXX) Upon my Application, I took out the offered package Boots Advantage Credit Card Repayment Protection Insurance, of which there was no choice of an alternative, nor cheaper insurance offered to me, simply the package insurance offered on the credit card application form in a secondary section of the application form, I was not provided with full information about policy limitations or exclusions and there were no keyword facts.

When I took out the insurance, I was led to believe that the insurance would cover the credit card payments and balance should I become ill, unemployed or die. I would not have taken out the extremely expensive insurance, if I had known, at the point of sale, that this was the not case. I have since found out that this is not true. I therefore consider that I was originally mis-sold this expensive insurance for the following reasons:-

I became unwell in June 2002, however because I expected to recover within a reasonable time I did not register my insurance claim with you until 19 November 2003 in writing, when it became clear that my illness was going to continue for some time, I then telephoned 4 December 2003 and followed that phone call with an email, asking again for a Claim Form. Eventually...the receipt of my claim was not acknowledged until 27 January 2004. Together with the fact that the 1st insurance payment was not paid into my account until statement dated 17 March 2004, four months after notifying you of my illness. Although my insurance claim was eventually accepted, it was not backdated to the start date of my disability? Eventually the insurance came to an end that is after 10 irregular payments had been made instead of the stated 12 as stated in the policy.

My illness became long term and I am still unwell to this date. My insurance premiums have been paid from the day I took out your rip-off insurance, all through my first claim and up to 21 June 2006, at this point I was in dispute with you over Unlawful penalty charges. I discussed making another claim on my insurance with my doctor but because of your unfair ‘Limitation and Exclusion’ clauses my doctor considered that it would cause me undue serious stress to make the claim, although he did suggest I write a letter to Egg on 15 June 2006 making it clear to the bank (Egg) that I have been ill since June 2002 to date and enquire as to why, I cannot make a claim as my insurance premiums have been paid. However, at that time I was experiencing so much stress with Egg over Unlawful Penalty charges plus the Unwarranted default that Egg had registered against me which has still not been removed. It is only now that I can summon up the energy to challenge the insurance that you have mis-sold to me.

 

Therefore, even though I have paid out a substantial amount of money for your poor and risky insurance cover, which I could have purchased elsewhere at far lesser premium, (if I had know at the time of purchase) I am precluded from making a claim due to your Unfair contract terms which are limited by exclusions.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK Law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

Firstly, I understand that at the time I entered into the contract with you, your bank was running an incentive scheme to encourage your employees to sell PPI schemes, as were several of the other banks.

“Bosses and Managers turn a blind eye to ‘mis-selling’ because they get bigger bonuses and cash incentives, commission etc” “Failing to hit targets would be a greater crime than mis-selling PPI”. No attempt was ever made to ascertain if the product provided was suitable.

 

What I require

Your concealment of the act of mis-selling has prevented me from ascertaining my right until now. I believe that there are strong grounds for action against you under Common Law, statute and consumer regulations.

I demand that you refund the £1,267.12 premium charges with interest at 16.9% compounded from 26 December 2003 to date of £456.68 totaling £1,721.80 plus compensation fro mis-selling that will bring my account back to the status quo.

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this, than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

If you do not respond, or you do not respond positively, within this period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that this time frame is sufficient for a large company such as yours with its dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

Yours sincerely,

 

Angry Cat".

 

Any comments welcome and...hopefully the letter is good enough.

 

Love AC

Link to post
Share on other sites

Angry cat,

 

Thanks for your reply to my post in another section on Eggs DISGUSTING 'Credit Card Repayment Protector'.

 

I telephoned them asking them about how this charge was applied in the first place, and he said I'd requested this during the applicaiton process. I hope to god I hadn't missed something in my naivity back then, but I certainly wouldn't have opted for it having known. I said I'd require written proof of this, and he offered to send me a secure message.

 

That of course would just put in writing what he'd told me, so I declined and asked for specific evidence that I selected that option. He said the application forms received to them are 'read only' format, i.e. implying they could not alter them to their advantage.

 

I accepted and he said he will be sending me out written proof of my acceptance.

 

I look forward to seeing what they send.

 

 

Good luck with your claim. I hate EGG. My PPI amounts to approx £1020.

 

Phil Turner

Link to post
Share on other sites

Nice letter Cat, will be watching to see how they respond to this one.

 

Phil, you could always submit a CCA to obtain a true copy oif the signed agreement, or a SAR and request full details of your account.

 

Good Luck to you Both

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Thanks reidnet-

 

As you are probably aware I have been watching the PPI forum for some time trying to ascertain how I approach the credit card PPI issue. The majority of claimants on the forum appear to be in relation to Loan PPI as opposed to CC PPI.

Anyhow, I decided that I could not allow my issue to rumble along unchallenged!

I guess that I will get a bog off answer to my preliminary request, especially given that I am claiming against Egg who are now owned bt Citibank.

 

Pturner, I would definately make an SAR and CCA 1974 requesting a copy of your original executed signed Agreement.

 

Love AC

Link to post
Share on other sites

Pturner-

 

This is what I would send-

 

To The Company Secretary

 

REQUEST UNDER THE CONSUMER CREDIT ACT 1974 - ACCOUNT NUMBER XXXX

 

Please supply me with a copy of the original signed credit agreement between Egg plc and myself. This is my right under your obligation of The Consumer Credit Act 1974, you have a duty to supply a copy of the original signed executed agreement under the legislation contained within S.78(1), S.77(1) Consumer Credit Act 1974. However, in doing so you are entitled to make a charge. Therefore I enclose a postal order for the statutory sum of £1.00.

 

Non compliance with my request will result in a report being submitted to the relevant authorites.

 

Yours faithfully".

 

Make sure that you send your request by Recorded Delivery and keep a copy for your own file

 

AC

Link to post
Share on other sites

Angry Cat and Kegi, thank you.

 

I have sent two separate letters, one for SAR, and the other for CCA, both with attached cheques for stated amounts.

 

I was a student when I took out my EGG account, and certainly wouldnt have asked for PPI.

 

I have also sent in separate claim (statements and preliminary letter) for their unfair charges to my account.

 

Off to work for one week now, so will update this thread with any progress.

 

Cheers

 

Phil

Link to post
Share on other sites

Hi,

 

I am reading this thread with interest as I am currently taking Egg to court re credit card PPI.

 

I never take out PPI but discovered 14 months into my credit card agreement that they were taking around £30 per month for PPI (I should really check my statements more regularly).

 

They are adamant that I requested PPI in my application (done online) however I know I did not (at least intentionally) request this.

 

Court case is tomorrow at 12.30.

HBOS Plc - £9,954.65 Received partial settlement - Court 6/12/06 default removal / compensation / declaration

MBNA - Settled in full £2,377.33

Abbey National - MoneyClaim filed 26/06/2006 £883.90

Lloyds TSB - Claim Filed 11/08/2006 £2,630.00

Egg.com - Claim Filed 11/08/2006 £1,393.60

GE Money - Claim Filed 11/08/2006 £965.22

Link to post
Share on other sites

No I have not requested a copy of this yet.

 

Today is just a Directions Hearing but will need that for my court bundle later on.

 

I did apply online rather than complete a form.

 

The strange thing is that I never received anything from Egg to let me know about the PPI which was added onto the account.

 

They are insisting that I benefited from the insurance for 14 months, but would never have been able to make a claim because I never knew it existed, had no documentation to let me know what was covered or how to make a claim etc.

 

Will see how it goes. The claim was combined with a claim for bank charges which were refunded last week. Looks like they want to fight the PPI claim though.

 

Has anyone been successful in their claim against Egg for PPI.

HBOS Plc - £9,954.65 Received partial settlement - Court 6/12/06 default removal / compensation / declaration

MBNA - Settled in full £2,377.33

Abbey National - MoneyClaim filed 26/06/2006 £883.90

Lloyds TSB - Claim Filed 11/08/2006 £2,630.00

Egg.com - Claim Filed 11/08/2006 £1,393.60

GE Money - Claim Filed 11/08/2006 £965.22

Link to post
Share on other sites

kevcam, I suggest that you start your own thread on this PPI forum, once you todays hearing over with.

 

No I have not requested a copy of this yet.

 

DIDN'T YOU MAKE AN SAR REQUEST?

 

Today is just a Directions Hearing but will need that for my court bundle later on.

 

I did apply online rather than complete a form.

 

The strange thing is that I never received anything from Egg to let me know about the PPI which was added onto the account.

 

They are insisting that I benefited from the insurance for 14 months, but would never have been able to make a claim because I never knew it existed, had no documentation to let me know what was covered or how to make a claim etc.

 

YOU SHOULD HAVE BEEN SENT AN INSURANCE POLICY

 

Will see how it goes. The claim was combined with a claim for bank charges which were refunded last week. Looks like they want to fight the PPI claim though.

 

Has anyone been successful in their claim against Egg for PPI.

 

I BELIEVE THAT SOME PEOPLE ARE CHALLENGING THE EGG PPI ON THE EGG FORUM

 

AC

Link to post
Share on other sites

  • 4 weeks later...

HA!

 

Egg replied with my Credit Agreement. Mentions NOTHING about PPI. I have replied asking where this information is?

 

They have also offered the difference of charges between OFTs £16 and the amount they were charging (£20). This was after a LBA that the offer was made. Only amounts to 8X charges, so total £32.

 

 

 

I'm still trying to persue PPI [problem].

 

 

PHil

Link to post
Share on other sites

Hi pturner, well it will be interesting to see how egg reply?

 

Egg may well have offered you the difference between £16 and £20 = £32 However, as you know, they will have to refund all the monies to you including interest.

 

AC

Link to post
Share on other sites

HI AC,

 

So do you recommend not accepting thier offer of £32 and requesting replayment in full? Thier letter quotes the OFTs ruling (and exception off EGG) to the £12 charge recommended to credit card companies by them. I dont know if I can, or how I can legally persue repayment in full with this ruling??

 

Thanks again

 

Phil

Link to post
Share on other sites

Hi Guys-

this is the letter that I sent to Egg-

http://www.consumeractiongroup.co.uk/forum/ppi/67674-angry-cat-egg-credit.html#post581365

 

and the following is their reply-

 

"Dear AC

 

Re: Your Egg Account XXXXX

 

Thank you for your recent letter regarding the problems you have experienced. I have taken personal responsibility for responding to you.

 

Firstly, please accept my apologies for any inconvenience caused to you.

 

I have investigated the situation and set out the summary of my findings for you.

 

What I Understand your complaint to be about:

 

* You feel that you have been mis-sold Card Repayment Protection when you applied for your Boots Advantage Credit Card in 2001 as you were not provided with full information about the policies limitation and exclusions.

 

* At the time of application you were not informed of other policies that were available on the open market.

 

*You were led to believe that the policy would cover you against illness unemployment or possible death and you would not have taken the cover if you had known that this would not be the case.

 

What My Findings are investigating it:

 

* After viewing your letter dated 21 February 2007 and speaking with Card Repayment Protection they have informed me that you were successful in claiming the amount of £6294.00 on your Egg card.

 

* The reason why Card Repayment Protection only paid ten months was due to this being the timescale it took to clear the balance of your egg card.

 

* The policy was paid from November 2003 until August 2004.

 

* As stated in your letter, you applied for the Card Repayment Protection when you first took the Boots Card in 2001. When you applied for the Card Repayment Protection you are sent an information pack that explains the terms of the policy.

 

* Egg has no legal requirement to inform customers of other insurance products available on the open market, only products that Egg sell.

 

Due to the above information, I am sorry to inform you that I cannot uphold your complaint, as you were successful in claiming on Card Repayment Protection in November 2003. I do not feel that this policy was mis-sold to you in any way.

 

You now have six months from the date of this letter to take your complaint to the Financial Ombudsman Service.

 

Craig Carroll - Egg Customer Relations Adviser".

 

Well, I knew that I would receive a 'Bog Off' reply but they have either failed to comprehend or this is jsut delaying tactics, putting obstacles in the way.

 

Yes, I did make a claim in 2003 when I first became unwell, the claim was eventually accepted and payments begain in March 2004 and finished in August 2004. I had thought that the balance would have been cleared but that was not the case. My illness had become longterm and I have maintained the monthly insurance premiums up to June 2006.

 

However, I was/am precluded from making another claim even though I have paid for the Egg insurance all through my first claim up to the point when I started to reclaim the penalty charges that were applied to my account recently.

 

This is where any similarity to any form of normal insurance cover comes to an end, with insurance for motor vehicle, home contents or commercial liability one can make additional claims but with PPI the same procedure does not apply!?

 

Anyhow, I would welcome your comments about the above Egg response letter and where do I go from here?

 

Love AC

Link to post
Share on other sites

Phil, Can you please start your own thread on this forum and or the Egg forum, you really should read the FAQ's...personally I would reject their paltry offer as you are entitled to a full refund on all the charges that were applied to your account, in their entirety plus interest.

 

Hi Guys

 

PLEASE, COULD YOU GIVE ME YOUR VALUED OPINION ON MY POST NUMBER 19 AS I AM A LITTLE STUCK ON WHAT I DO NEXT!!!!

 

love AC

Link to post
Share on other sites

Hi Guys-

 

I have just received the following email from Egg!!?

 

"Was it a job well done? Problems reading this e-mail?

 

 

 

Dear AC

 

Make sense of it all

As a valued customer, from time to time we'll ask you to spare a few minutes to complete our customer experience survey.

 

You had a complaint dealt with in March by Craig and we are interested on what you thought about how your complaint was handled.

 

Using the information we gather, we'll look to continually improve your experience of Egg, so taking part really does make sense.

 

 

 

 

Tell us what you think

 

 

 

 

If you would like more information about how we use your data, you can choose to see our security and privacy policies.

 

 

 

 

Best wishes

 

Lee Birkett

Customer Research Team

Egg Banking"

 

the email related to this...!

 

Angry Cat V Egg Credit Card Ppi

 

--------------------------------------------------------------------------------

 

Hi Guys,

 

The following is the preliminary letter that I have just sent to EGG asking for a refund of premiums, interest compounded and I am asking for compensation re the mis-selling in order that my account will be brought back to the status quo.

 

"February 21, 2007

Mr. John Murphy

Egg Banking plc

Governor’s House

Laurence Pountney Hill

London

EC4R OHH

Dear Mr. Murphy,

COMPLAINT RE: MIS-SELLING OF PAYMENT PROTECTION INSURANCE, REQUEST FOR RETURN OF INSURANCE PREMIUMS, COMPOUND INTEREST AND COMPENSATION – ACCOUNT NUMBER XXXX XXXX XXXX XXXX

I applied for a Boots Advantage Credit Card on or around July 2001 (XXXXXXX) Upon my Application, I took out the offered package Boots Advantage Credit Card Repayment Protection Insurance, of which there was no choice of an alternative, nor cheaper insurance offered to me, simply the package insurance offered on the credit card application form in a secondary section of the application form, I was not provided with full information about policy limitations or exclusions and there were no keyword facts.

When I took out the insurance, I was led to believe that the insurance would cover the credit card payments and balance should I become ill, unemployed or die. I would not have taken out the extremely expensive insurance, if I had known, at the point of sale, that this was the not case. I have since found out that this is not true. I therefore consider that I was originally mis-sold this expensive insurance for the following reasons:-

I became unwell in June 2002, however because I expected to recover within a reasonable time I did not register my insurance claim with you until 19 November 2003 in writing, when it became clear that my illness was going to continue for some time, I then telephoned 4 December 2003 and followed that phone call with an email, asking again for a Claim Form. Eventually...the receipt of my claim was not acknowledged until 27 January 2004. Together with the fact that the 1st insurance payment was not paid into my account until statement dated 17 March 2004, four months after notifying you of my illness. Although my insurance claim was eventually accepted, it was not backdated to the start date of my disability? Eventually the insurance came to an end that is after 10 irregular payments had been made instead of the stated 12 as stated in the policy.

My illness became long term and I am still unwell to this date. My insurance premiums have been paid from the day I took out your rip-off insurance, all through my first claim and up to 21 June 2006, at this point I was in dispute with you over Unlawful penalty charges. I discussed making another claim on my insurance with my doctor but because of your unfair ‘Limitation and Exclusion’ clauses my doctor considered that it would cause me undue serious stress to make the claim, although he did suggest I write a letter to Egg on 15 June 2006 making it clear to the bank (Egg) that I have been ill since June 2002 to date and enquire as to why, I cannot make a claim as my insurance premiums have been paid. However, at that time I was experiencing so much stress with Egg over Unlawful Penalty charges plus the Unwarranted default that Egg had registered against me which has still not been removed. It is only now that I can summon up the energy to challenge the insurance that you have mis-sold to me.

 

Therefore, even though I have paid out a substantial amount of money for your poor and risky insurance cover, which I could have purchased elsewhere at far lesser premium, (if I had know at the time of purchase) I am precluded from making a claim due to your Unfair contract terms which are limited by exclusions.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK Law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

Firstly, I understand that at the time I entered into the contract with you, your bank was running an incentive scheme to encourage your employees to sell PPI schemes, as were several of the other banks.

“Bosses and Managers turn a blind eye to ‘mis-selling’ because they get bigger bonuses and cash incentives, commission etc” “Failing to hit targets would be a greater crime than mis-selling PPI”. No attempt was ever made to ascertain if the product provided was suitable.

 

What I require

Your concealment of the act of mis-selling has prevented me from ascertaining my right until now. I believe that there are strong grounds for action against you under Common Law, statute and consumer regulations.

I demand that you refund the £1,267.12 premium charges with interest at 16.9% compounded from 26 December 2003 to date of £456.68 totaling £1,721.80 plus compensation fro mis-selling that will bring my account back to the status quo.

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this, than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

If you do not respond, or you do not respond positively, within this period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that this time frame is sufficient for a large company such as yours with its dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

Yours sincerely,

 

Angry Cat".

 

and...the following was egg's response:-

 

Re: Angry Cat V Egg Credit Card Ppi

 

--------------------------------------------------------------------------------

 

Hi Guys-

this is the letter that I sent to Egg-

Angry Cat V Egg Credit Card Ppi

 

and the following is their reply-

 

"Dear AC

 

Re: Your Egg Account XXXXX

 

Thank you for your recent letter regarding the problems you have experienced. I have taken personal responsibility for responding to you.

 

Firstly, please accept my apologies for any inconvenience caused to you.

 

I have investigated the situation and set out the summary of my findings for you.

 

What I Understand your complaint to be about:

 

* You feel that you have been mis-sold Card Repayment Protection when you applied for your Boots Advantage Credit Card in 2001 as you were not provided with full information about the policies limitation and exclusions.

 

* At the time of application you were not informed of other policies that were available on the open market.

 

*You were led to believe that the policy would cover you against illness unemployment or possible death and you would not have taken the cover if you had known that this would not be the case.

 

What My Findings are investigating it:

 

* After viewing your letter dated 21 February 2007 and speaking with Card Repayment Protection they have informed me that you were successful in claiming the amount of £6294.00 on your Egg card.

 

* The reason why Card Repayment Protection only paid ten months was due to this being the timescale it took to clear the balance of your egg card.

 

* The policy was paid from November 2003 until August 2004.

 

* As stated in your letter, you applied for the Card Repayment Protection when you first took the Boots Card in 2001. When you applied for the Card Repayment Protection you are sent an information pack that explains the terms of the policy.

 

* Egg has no legal requirement to inform customers of other insurance products available on the open market, only products that Egg sell.

 

Due to the above information, I am sorry to inform you that I cannot uphold your complaint, as you were successful in claiming on Card Repayment Protection in November 2003. I do not feel that this policy was mis-sold to you in any way.

 

You now have six months from the date of this letter to take your complaint to the Financial Ombudsman Service.

 

Craig Carroll - Egg Customer Relations Adviser".

Link to post
Share on other sites

HA!

 

Egg replied with my Credit Agreement. Mentions NOTHING about PPI. I have replied asking where this information is?

 

They have also offered the difference of charges between OFTs £16 and the amount they were charging (£20). This was after a LBA that the offer was made. Only amounts to 8X charges, so total £32.

 

 

 

I'm still trying to persue PPI [problem].

 

 

PHil

 

Hello, I think you will find that oft did not but the parasitic companies recommended £12. Ignore the letter refunding the difference they are offering and reclaim back all of it. You will probalbly have to go all the way with this. Ask them to disclose what there actual costs are? they won't and if they go to court on this they won't because they hav e to tell all there customers what their costs are.

 

Carry on with your ppi claim and do not accept what they say. They will not admit it easily but in a court they will have to disclose and prove they didn't mis-sell it.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...