Egg reply to my PPI refund

[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 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]

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 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 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. 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 Service

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

hope this helps you get started

aa

[idontknow123]

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?