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  • FIRST POST
    • mooo76
    • By mooo76 5th Jul 17, 3:08 PM
    • 2Posts
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    mooo76
    Egg Card PPI pretick letter??
    • #1
    • 5th Jul 17, 3:08 PM
    Egg Card PPI pretick letter?? 5th Jul 17 at 3:08 PM
    Hello all

    I've trawled the forum to find answers & have found some but not all. Apologies if this is on another thread.....

    I've found out the I had PPI on my Egg credit card taken out in 2001. The account was closed in 2011. They called to go through the questionnaire with me & have since received a rejection letter. They have stated their reasons for rejection as follows:
    • Because I stated during the telephone questionnaire that I was not aware I had PPI
    • I had applied online for my credit card & therefore MUST have ticked the box to request PPI

    Now I have no recollection of the application form (I had no idea I had PPI or how I had applied for the card) let alone whether I ticked or requested anything however I have read that Egg were famous for having pre-ticked boxes for PPI and you were not allowed to progress your application unless you kept the box ticked. Is there a template letter available for appealing their decision or should I just go directly to the Financial Ombudsman?

    I'm also aware that I probably have a finite time to respond to their rejection letter so any advise on that would be great.

    Thanks in advance
Page 1
    • Rainbowgirl84
    • By Rainbowgirl84 5th Jul 17, 3:33 PM
    • 473 Posts
    • 817 Thanks
    Rainbowgirl84
    • #2
    • 5th Jul 17, 3:33 PM
    • #2
    • 5th Jul 17, 3:33 PM
    There wasn't a pre-ticked box when I applied online around the same time...are you certain you didn't just tick everything that you saw?

    You have no recollection of the application form you filled in? (You had no idea you had PPI or how you had applied for the card) let alone whether you ticked or requested it and yet you think Egg should and are at fault?
    • societys child
    • By societys child 5th Jul 17, 5:14 PM
    • 4,549 Posts
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    societys child
    • #3
    • 5th Jul 17, 5:14 PM
    • #3
    • 5th Jul 17, 5:14 PM
    Now I have no recollection of the application form (I had no idea I had PPI or how I had applied for the card) let alone whether I ticked or requested anything however I have read that Egg were famous for having pre-ticked boxes for PPI and you were not allowed to progress your application unless you kept the box ticked
    The problem you have is that both the bank and the FOS will know that pre-ticked boxes were not used at the time you completed the online application. That'll be why they state you "MUST have ticked the box to request PPI".
    You not remembering, does not make it mis-sold.
    Last edited by societys child; 05-07-2017 at 5:18 PM.

    • mooo76
    • By mooo76 9th Jul 17, 10:31 AM
    • 2 Posts
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    mooo76
    • #4
    • 9th Jul 17, 10:31 AM
    • #4
    • 9th Jul 17, 10:31 AM
    Thanks for your response. I have no recollection of the application form, no - it was 16 years ago! I have read that many online applications with Egg card during that time frame were pre-ticked & that there is an argument to be had for them to prove this. I'm not saying it was, I'm saying it could be & that I would like to explore the next step.
    • Peter999
    • By Peter999 9th Jul 17, 10:46 AM
    • 472 Posts
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    Peter999
    • #5
    • 9th Jul 17, 10:46 AM
    • #5
    • 9th Jul 17, 10:46 AM
    When I had an Egg card many years ago (when you could do super balance transfers - those were the days) they tried to con me with PPI.

    Unfortunately for me I actually read the T&Cs and knew PPI wasn't really worth it for me (though in hindsight if I'd known it would just be an amazing savings policy I'd have taken it out). However, even though I explicitly didn't want it, they still added it to my card without my knowledge.

    The second I got my first bill and the PPI charge was on there I phoned up - they removed and refunded in seconds and wouldn't answer me as to why it got added. They initially tried to say I must of ticked the box but of course I knew I didn't, I remember thinking at the time they probably did this to a lot of people and many won't have realised.
    • LuxuryWoman
    • By LuxuryWoman 9th Jul 17, 11:03 AM
    • 61 Posts
    • 40 Thanks
    LuxuryWoman
    • #6
    • 9th Jul 17, 11:03 AM
    • #6
    • 9th Jul 17, 11:03 AM
    I had an egg card and the same circumstances as you - this would have been around 2000-2004 and I was refunded 2.5k in January of this year.


    I think it's important to remember just how PPI was sold back then, pre-ticked boxes, people being told it was a must etc. Let's face it these are the kind of circumstances Martin Lewis has talked and written about so much and how so many of us became aware of the issue


    I was told that I had to have a packaged bank account to obtain an overdraft facility for example and then I 'must' have overdraft protection.


    MBNA spoke to me about PPI over the phone, I said NO, they added it anyway and them wouldn't cancel, that cost them over £2k.
    • takman
    • By takman 9th Jul 17, 4:04 PM
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    takman
    • #7
    • 9th Jul 17, 4:04 PM
    • #7
    • 9th Jul 17, 4:04 PM
    MBNA spoke to me about PPI over the phone, I said NO, they added it anyway and them wouldn't cancel, that cost them over £2k.
    Originally posted by LuxuryWoman
    So not only did they refuse to cancel the PPI you still continued to use the card?

    If they had told me that i couldn't cancel the PPI then i would have cancelled the card and took out another one.
    • Gavin14774
    • By Gavin14774 9th Jul 17, 5:38 PM
    • 16 Posts
    • 3 Thanks
    Gavin14774
    • #8
    • 9th Jul 17, 5:38 PM
    • #8
    • 9th Jul 17, 5:38 PM
    I applied online and received a £1200 refund last week.
    • McKneff
    • By McKneff 9th Jul 17, 6:39 PM
    • 35,521 Posts
    • 45,718 Thanks
    McKneff
    • #9
    • 9th Jul 17, 6:39 PM
    • #9
    • 9th Jul 17, 6:39 PM
    Ppi is listed on your statement seperately every single month .
    I cant see how you can say you didnt know you had it
    No one can make you feel inferior without your consent
    • Gavin14774
    • By Gavin14774 9th Jul 17, 7:49 PM
    • 16 Posts
    • 3 Thanks
    Gavin14774
    It doesn't matter if people did or didn't know, the refunds are being issued on the basis that is was mis sold.
    • LuxuryWoman
    • By LuxuryWoman 11th Jul 17, 2:34 PM
    • 61 Posts
    • 40 Thanks
    LuxuryWoman
    So not only did they refuse to cancel the PPI you still continued to use the card?

    If they had told me that i couldn't cancel the PPI then i would have cancelled the card and took out another one.
    Originally posted by takman

    No I didn't continue to use the card, it's too long to go into but no. I had £100k from house proceeds coming to pay any balances off. I was a housewife with a baby then, self employed, not so easy to simply take out a new card. This was around 2005 but they repaid me 2.5k all told for original charges of around £150
    • LuxuryWoman
    • By LuxuryWoman 11th Jul 17, 2:42 PM
    • 61 Posts
    • 40 Thanks
    LuxuryWoman
    Ppi is listed on your statement seperately every single month .
    I cant see how you can say you didnt know you had it
    Originally posted by McKneff

    These policies were largely sold years ago and people were basically told they had to have it as a condition. Many didn't really know what it was and that was the whole point of Martins PPI campaign. Thanks to sites such as this people have taken up complaints to the bank but even now there are people that don't spend a lot of time online or reading - I see posts weekly on other forums asking for PPI advice because the poster has' heard something' about the subject - this is probably the reason the claims coming are still doing brisk business.


    It's easy to think everyone is on MSE or similar and is clued up about financial matters but it's simply not true.


    The accounts so many people ask about re PPI are so often very old accounts, people don't remember the details from 10/15 years ago, course not.
    I can barely remember my first mortgage provider tbh, much less if I was sold any policies all those years ago.
    • takman
    • By takman 11th Jul 17, 3:06 PM
    • 2,622 Posts
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    takman
    No I didn't continue to use the card, it's too long to go into but no. I had £100k from house proceeds coming to pay any balances off. I was a housewife with a baby then, self employed, not so easy to simply take out a new card. This was around 2005 but they repaid me 2.5k all told for original charges of around £150
    Originally posted by LuxuryWoman
    So you got the card and must have spent quite a bit of money before you saw the PPI on the first statement and didn't use it again?. Did you try and apply for another card?

    These policies were largely sold years ago and people were basically told they had to have it as a condition. Many didn't really know what it was and that was the whole point of Martins PPI campaign. Thanks to sites such as this people have taken up complaints to the bank but even now there are people that don't spend a lot of time online or reading - I see posts weekly on other forums asking for PPI advice because the poster has' heard something' about the subject - this is probably the reason the claims coming are still doing brisk business.
    Originally posted by LuxuryWoman
    That's part of the problem if someone doesn't understand something they are paying for they should do some research and not blindly pay it.

    I remember when i applied for my first credit card and was offered PPI. I had never heard of it before so did some research and decided i didn't want it so declined, it's not difficult.

    One of my first bank accounts was a packaged bank account with a monthly fee. When i received all the paperwork i decided it wasn't what i wanted. So i went back into the branch (where i opened the account) and said i didn't want it and got a refund of the monthly fee i had already paid.

    So many people happily pay for financial products they don't understand without question. This is the reason so many people have unsuitable PPI policies and other products.

    Getting everyone to jump on the PPI reclaiming bandwagon won't stop them from making poor financial decisions in the future. They need to take more responsibility.
    • LuxuryWoman
    • By LuxuryWoman 11th Jul 17, 8:03 PM
    • 61 Posts
    • 40 Thanks
    LuxuryWoman
    From my memory bank 12 years ago. My balance when I received my new card and had to activate it by phone was about £200. I'd had the card and while buthe the ppi was added at this activation of the new card.

    Yes people do need to take financial responsibility but the mis-selling scandals of recent years may force banks not to incentivize their staff too push unnecessary products on people.

    My ex MIL was paying ppi on a catalogue, she was told she had to have it. She was a retired housewife. Catalogues the only way she could pay for a new washin machine or whatever.

    Not everyone was missold it's true but many were. I certainly was.
    • fifi66058
    • By fifi66058 14th Jul 17, 12:43 PM
    • 1 Posts
    • 0 Thanks
    fifi66058
    I have just had a refund from EGG via Barclays as I had been mis-sold PPI in 2004 and 2005 which incidentally did not appear on the statement each month, it was applied as a single premium, one when I initially got the card and another when a credit limit increase was approved, so when I said I didn't know I had I am being completely truthful!
    • societys child
    • By societys child 14th Jul 17, 3:54 PM
    • 4,549 Posts
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    societys child
    it was applied as a single premium
    So, not PPI then?
    CC PPI is charged on outstanding balance each month. What was it actually called?
    Last edited by societys child; 14-07-2017 at 4:00 PM.

    • takman
    • By takman 14th Jul 17, 4:04 PM
    • 2,622 Posts
    • 2,178 Thanks
    takman
    I have just had a refund from EGG via Barclays as I had been mis-sold PPI in 2004 and 2005 which incidentally did not appear on the statement each month, it was applied as a single premium, one when I initially got the card and another when a credit limit increase was approved, so when I said I didn't know I had I am being completely truthful!
    Originally posted by fifi66058
    Single premium PPI on a credit card?. I have never heard of such a thing, PPI varies according to the balance so I have no idea how it can be single premium.

    I'm willing to bet it must have been some other kind of insurance, can you upload the letters (with personal information removed) so we can see what it was.

    But even if you did pay a single premium when you go the card and when you got a credit limit increase this must have come from somewhere so you should have questioned the payments if you didn't know what they are for.

    You should also check your bank accounts to see what other payments you are paying and don't know what they are for.
    • Moneyineptitude
    • By Moneyineptitude 14th Jul 17, 10:28 PM
    • 19,293 Posts
    • 9,399 Thanks
    Moneyineptitude
    Single premium PPI on a credit card?. I have never heard of such a thing,
    Originally posted by takman
    There is absolutely no way PPI was top loaded onto any credit card account. Perhaps the low post count user who claimed this was the case will return to elaborate further, but I somehow doubt it
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