PLEASE help with EGG

Beatthebanks

Sorry if this is on the wrong boad but im SO stuck

I have always been aginst the PPI i had on my egg card and recently found out that i NEVER actually signed for it. When i took the card out apparantly i ticked the box stating that i wanted PPI, about 4 months after i noticed i was being charged for PPI and phoned up trying to cancel it but was ''deterred'' from doing so. Fast forward 4 years and I found out PPI was optional so I cancelled it. I then put a comlaint in with egg regarding the phone call where I had tred to cabcel it and they miraculously couldnt find the call and closed my comlaint.

I recently found i had lost my credit agreement and so asked egg for a copy which the duely sent. Looking at my agreement I signed for the card I noticed that I had not anywhere signed for PPI.

My understanding is that this is technicaly an insurance policy and so there should have been an agreement to it after i applied...not just terms.

I wrote to egg to contest this and request that they refund all the premiums and all they have sent back is a copy of my application review, not my application. They have admitted that I never have signed for it and that since there application review showed the selection of it then i must have selected it and this is as good as. They have issued this as a final response and im not sure where to go next?? My arguement still stands that for it to be valid I MUST have to sign something, ticking a box cannot constitute my signature nor a legally binding contract.

Any ideas please as to what to do and where I stand would be really great.

cheers

Tim

jay3_2

Hi, I don't believe that a "wet ink" signature is required for a legally binding contract. However, I'll defer to others more knowledgeable than me regarding where to go next. I think I'd be inclined to focus on the phone conversation where they "deterred" you, apparently despite your misgivings. There is a lot of noise around PPI at the moment, so I wouldn't give up just yet.