Egg reply to my PPI refund

idontknow123 · 26th June 2009, 18:26

Hi all,

I'm trying to reclaim EGG PPI (also charges) on the grounds that I had a pre-existing medical condition when I took out the PPI. This was an internet application in 2004.

I detailed all the charges etc, using CAG's spreadsheet's including compounded interest autolinker.com autolinking image

and this letter is what they replied with.

Is there a difference in the law regarding an internet application or a verbal telephone application.

Also could someone explain where I go from here?

Thanks in advance.

alanalana · 26th June 2009, 23:36

Quote:

Originally Posted by idontknow123

Hi all,

I'm trying to reclaim EGG PPI (also charges) on the grounds that I had a pre-existing medical condition when I took out the PPI. This was an internet application in 2004.

I detailed all the charges etc, using CAG's spreadsheet's including compounded interest autolinker.com autolinking image

and this letter is what they replied with.

Is there a difference in the law regarding an internet application or a verbal telephone application.

Also could someone explain where I go from here?

Thanks in advance.

First thing is to submit a Subject access request autolinker.com autolinking image

within the guidelines of the Data Protection Act 1998, the fee is £10.00 and they Egg are obliged to provide you with all relvent data on you as an individual data protection subject,

As Egg have written to state they do not uphold you complaint you can now progress and submit a formal complaint to the Financial Services Ombudsman autolinker.com autolinking image

. No cost to you but a £500 cost to Egg you can submit complaint here...

Links that may help with your claim for Mis-sold PPI
Financial Ombudsman autolinker.com autolinking image

Service

http://www.financial-ombudsman.org.u...-insurance.pdf

hope this helps you get started

aa

idontknow123 · 26th June 2009, 23:54

Thanks for the reply.

I did Subject access request autolinker.com autolinking image

them quite a few months ago asking for my statements and any default notices issued.

They sent all my statements but only supplied a computer printout saying that a default was issued, not the actual default.

I then CCA'd the DCA autolinker.com autolinking image

and they said they did not hold the information and so passed my letter to egg to try and find the CCA. The DCA sent a letter about 3 weeks ago saying that egg are still trying to locate the agreement and during this time I can stop all payments to them.

I know that somewhere it states that for people selling PPI either face to face or over the phone they have to ask the customer if any of the exclusions apply, but what about online applications?

26th June 2009, 18:26	#1 (permalink)
idontknow123 Basic Account Holder Try our eBay sniping service Cagger since : Dec 2007 Posts: 27	Egg reply to my PPI refund Hi all, I'm trying to reclaim EGG PPI (also charges) on the grounds that I had a pre-existing medical condition when I took out the PPI. This was an internet application in 2004. I detailed all the charges etc, using CAG's spreadsheet's including compounded interest and this letter is what they replied with. Is there a difference in the law regarding an internet application or a verbal telephone application. Also could someone explain where I go from here? Thanks in advance.

26th June 2009, 23:54	#3 (permalink)
idontknow123 Basic Account Holder Our auction sniper is now live. Try it for free Cagger since : Dec 2007 Posts: 27	Re: Egg reply to my PPI refund Thanks for the reply. I did Subject access request them quite a few months ago asking for my statements and any default notices issued. They sent all my statements but only supplied a computer printout saying that a default was issued, not the actual default. I then CCA'd the DCA and they said they did not hold the information and so passed my letter to egg to try and find the CCA. The DCA sent a letter about 3 weeks ago saying that egg are still trying to locate the agreement and during this time I can stop all payments to them. I know that somewhere it states that for people selling PPI either face to face or over the phone they have to ask the customer if any of the exclusions apply, but what about online applications?