PPI claim upheld - but no refund

startingout2016 · 20 March 2018 at 11:26AM

I sent in my claim for PPI refund at the beginning of the year.

It was on an old Egg account from 2004 which has since transferred to Barclaycard.

The letter I have received today says:

'Your Egg Card Repayment Protection complaint has been upheld.

I have now finished investigating your complaint and agree that we mis-sold you Payment Protection Insurance on your credit cad on 23rd June 2004. I am sorry that this policy was mis-sold.

However, whilst I can confirm that a policy was added to your account, you did not make any payments towards your PPI Policy. I can confirm that there were no charges applied to your account and accordingly no refund applies. ''

The credit card for years had anywhere between £3500-8000 balance which has since been cleared.
I am confused that if I was mis sold PPI when the credit card was opened, how no payments towards it could have been made?

[Deleted User] · 20 March 2018 at 11:29AM

Possibly it was cancelled before you started making payments.

dunstonh · 20 March 2018 at 11:30AM

am confused that if I was mis sold PPI when the credit card was opened, how no payments towards it could have been made?

They are saying that their records show that you didnt pay any PPI premium. This normally is the case where people pay the balance each month. PPI is only charged once you go into the interest charged period. Not during the interest-free period.

If you disagree with their response, given them copies of your statements showing the PPI premiums being paid.

it could also be that you cancelled it before any premiums were paid (such as the cancellation rights form).

PPI claim upheld - but no refund

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