MandM v Egg Card PPI

[MandM]

Decided it was best to put this in a new thread in the PPI forum so as not to confuse the issue.

Have held back on this a bit as I have had other issues with Egg but thought that now might be a good time to crack it ('scuse the pun )

I have (or should I say 'had') an Egg card (2001). Defaulted last year (amongst others) following a change in circumstances and have been paying a very small amount to DLC (acting for Egg) since July. The application was done on-line in Oct 01 and a full agreement was sent out for me to sign and return (which I did).

In June 08 I did contact Egg as there was PPI on the card and was told "you ticked the box so tough - you have 6 months to appeal if you don't agree".

This was Pre-Cag and I knew no better - they sent me a letter confirming this and what was supposed to be a picture of a realtime application which supposedly proved that I asked for it.

Because of my other on-going battles with Egg I have CCA'd them and had my Subject access request stuff back.

I now have>>>>>>

(i) A copy of my signed agreement - this does not mention PPI anywhere!!!
(ii) All of my statements for the entire life of the card (and I have calculated all of the PPI that was taken).

I can see nothing on the agreement at all regarding the PPI. I do vaguely remember ticking the box (possibly) but if I recall correctly when you reached that part on the online application you could not read the terms and conditions as the page would time out meaning you had to restart the whole application again! So you had to tick one or the other to move on.

I'm pretty sure that there was nothing telling you that you could seek the PPI elsewhere etc. and my feeling is that I may have ticked it with a "sort it out later" view when the paperwork turns up. But i'm also just as sure that I never had any paperwork for the PPI element - it's certainly not mentioned in the signed agreement.

What should be the next move? Looking for a bit of guidance here as PPI was not an intended problem when I joined CAG so I haven't really got to grips with the do's and don'ts of it all.

MandM

[Jim Pike]

Hi MandM
Watching with interest, exactly the same as me, mine was 1999/2000 you are right that you probably like me filled in the online forms more than once as they timed out. To complete the action you had to rush through the application, I had the same reply last year when sending letter regarding ppi.
Letter says that must have ticked it as the box contained words that cover was for i.e sickness/unemployment (I was Self employed )
Have subbed to this.
Jim

[MandM]

Originally Posted by Jim Pike

Hi MandM
Watching with interest, exactly the same as me, mine was 1999/2000 you are right that you probably like me filled in the online forms more than once as they timed out. To complete the action you had to rush through the application, I had the same reply last year when sending letter regarding ppi.
Letter says that must have ticked it as the box contained words that cover was for i.e sickness/unemployment (I was Self employed )
Have subbed to this.
Jim

Welcome Jim. If you were S/Emp I think you have a better chance than me as your PPI was worthless. Have you read Beachcombers thread?

Also, giving this thread a polite bump

M

[Jim Pike]

Hi MandM

Just read Beachcombers thread, makes it sound easy. I will have to look for a template letter to demand repayment of premiums. It does apply to credit card accounts aswell ?? My account is defaulted and in their dcas hands, would I get A cheque do you think (drinks all round). I can dream can't I.
The minimum payment on the card was paid by DD each month for all the time it was OK NEVER checked statements online as we used Dial up internet when the card was taken out, then with kids using the net and phone disabled when using never found right time, then went to Broadband and egg was never in my mind. It was probably 2006 when telephoned them to ask about doing bal transfer ( 0% anniversary bonus or something ) they asked me if I had any idea what my credit limit was, Yes says I about 3,500 OH NO says she it is more than 10,000 so I used it ( super balance transfer )
Jim

[MandM]

Some have had success on cards.

get a Subject access request in and you'll get all statements showing amounts paid.

I too would like a template geared more towards cards.

M

[MandM]

Originally Posted by MandM

Decided it was best to put this in a new thread in the PPI forum so as not to confuse the issue.

Have held back on this a bit as I have had other issues with Egg but thought that now might be a good time to crack it ('scuse the pun )

I have (or should I say 'had') an Egg card (2001). Defaulted last year (amongst others) following a change in circumstances and have been paying a very small amount to DLC (acting for Egg) since July. The application was done on-line in Oct 01 and a full agreement was sent out for me to sign and return (which I did).

In June 08 I did contact Egg as there was PPI on the card and was told "you ticked the box so tough - you have 6 months to appeal if you don't agree".

This was Pre-Cag and I knew no better - they sent me a letter confirming this and what was supposed to be a picture of a realtime application which supposedly proved that I asked for it.

Because of my other on-going battles with Egg I have CCA'd them and had my Subject access request stuff back.

I now have>>>>>>

(i) A copy of my signed agreement - this does not mention PPI anywhere!!!
(ii) All of my statements for the entire life of the card (and I have calculated all of the PPI that was taken).

I can see nothing on the agreement at all regarding the PPI. I do vaguely remember ticking the box (possibly) but if I recall correctly when you reached that part on the online application you could not read the terms and conditions as the page would time out meaning you had to restart the whole application again! So you had to tick one or the other to move on.

I'm pretty sure that there was nothing telling you that you could seek the PPI elsewhere etc. and my feeling is that I may have ticked it with a "sort it out later" view when the paperwork turns up. But i'm also just as sure that I never had any paperwork for the PPI element - it's certainly not mentioned in the signed agreement.

What should be the next move? Looking for a bit of guidance here as PPI was not an intended problem when I joined CAG so I haven't really got to grips with the do's and don'ts of it all.

MandM

Just bumping.

M

[MandM]

bumping M

[MandM]

Bump

[MandM]

just another bump

M

[MandM]

Originally Posted by MandM

Decided it was best to put this in a new thread in the PPI forum so as not to confuse the issue.

Have held back on this a bit as I have had other issues with Egg but thought that now might be a good time to crack it ('scuse the pun )

I have (or should I say 'had') an Egg card (2001). Defaulted last year (amongst others) following a change in circumstances and have been paying a very small amount to DLC (acting for Egg) since July. The application was done on-line in Oct 01 and a full agreement was sent out for me to sign and return (which I did).

In June 08 I did contact Egg as there was PPI on the card and was told "you ticked the box so tough - you have 6 months to appeal if you don't agree".

This was Pre-Cag and I knew no better - they sent me a letter confirming this and what was supposed to be a picture of a realtime application which supposedly proved that I asked for it.

Because of my other on-going battles with Egg I have CCA'd them and had my Subject access request stuff back.

I now have>>>>>>

(i) A copy of my signed agreement - this does not mention PPI anywhere!!!
(ii) All of my statements for the entire life of the card (and I have calculated all of the PPI that was taken).

I can see nothing on the agreement at all regarding the PPI. I do vaguely remember ticking the box (possibly) but if I recall correctly when you reached that part on the online application you could not read the terms and conditions as the page would time out meaning you had to restart the whole application again! So you had to tick one or the other to move on.

I'm pretty sure that there was nothing telling you that you could seek the PPI elsewhere etc. and my feeling is that I may have ticked it with a "sort it out later" view when the paperwork turns up. But i'm also just as sure that I never had any paperwork for the PPI element - it's certainly not mentioned in the signed agreement.

What should be the next move? Looking for a bit of guidance here as PPI was not an intended problem when I joined CAG so I haven't really got to grips with the do's and don'ts of it all.

MandM

Bump.

Cannot seem to find enough info relating to card PPI.

M

[MandM]

Bump

[alanalana]

Originally Posted by MandM

Decided it was best to put this in a new thread in the PPI forum so as not to confuse the issue.

Have held back on this a bit as I have had other issues with Egg but thought that now might be a good time to crack it ('scuse the pun )

I have (or should I say 'had') an Egg card (2001). Defaulted last year (amongst others) following a change in circumstances and have been paying a very small amount to DLC (acting for Egg) since July. The application was done on-line in Oct 01 and a full agreement was sent out for me to sign and return (which I did).

In June 08 I did contact Egg as there was PPI on the card and was told "you ticked the box so tough - you have 6 months to appeal if you don't agree".

This was Pre-Cag and I knew no better - they sent me a letter confirming this and what was supposed to be a picture of a realtime application which supposedly proved that I asked for it.

Because of my other on-going battles with Egg I have CCA'd them and had my Subject Access Request stuff back.

I now have>>>>>>

(i) A copy of my signed agreement - this does not mention PPI anywhere!!!
(ii) All of my statements for the entire life of the card (and I have calculated all of the PPI that was taken).

I can see nothing on the agreement at all regarding the PPI. I do vaguely remember ticking the box (possibly) but if I recall correctly when you reached that part on the online application you could not read the terms and conditions as the page would time out meaning you had to restart the whole application again! So you had to tick one or the other to move on.

I'm pretty sure that there was nothing telling you that you could seek the PPI elsewhere etc. and my feeling is that I may have ticked it with a "sort it out later" view when the paperwork turns up. But i'm also just as sure that I never had any paperwork for the PPI element - it's certainly not mentioned in the signed agreement.

What should be the next move? Looking for a bit of guidance here as PPI was not an intended problem when I joined CAG so I haven't really got to grips with the do's and don'ts of it all.

MandM

If they cannot produce the CCA showing you had agreed to the PPI then that is their problem. It is not up to you to prove it was mis-sold it is up to Egg to prove it was not and the lack of a CCA and probably a customer demands and needs questionaire would IMO show they are holding back with information. If you have not received all you asked for in your Subject Access Request then you can write back and ask them for this information.

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

You should request the following documents:

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the loan/card/mortgage.

A ‘demands and needs’ questionnaire.

Copies of all statements applicable to the loan/card/mortgage.

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

Copies of all recorded telephone calls or transcripts of the recordings.

Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.

Do not be fobbed off by them citing issues such as relevant filing systems.

If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.

You can adjust this to fit with a letter stating the exact information you are missing and tell them to provide it as you have paid the relevant £10 fee.

If they then do not comply you can submit a complaint to the Information Commissioners Office ...Link to the complaint form is here...

Complaints - Information Commissioners Office

If you have not looked in detail at the stickies at the top of this forum I would advise you spend some time and do some investigating.

All new posters this is **important**

BANKS are giving incorrect advice on PPI

Mis-sold PPI? Want your money back? use these links to help

there is much more on this site you just have to spend time and look. At then end of the day it will be worth your while

aa

[MandM]

Thank you AA. Sometimes you're just to close to the answer to be able to see what it is lol.

will get on with it and post up as I go.

Many thanks

M