Help with Egg PLEASE

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

di3004

Beatthebanks wrote: »

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

Hi Tim

It may be a good idea to actually request a SAR (Subject Access Request) where they must supply you with all the information they have on you going back as far as 6 years.
This may be useful for your case.

You will find the SAR letter template in the thread, with details.

There is a charge of £10 cheque or postal order payment for this and they have 40 days to comply, post by recorded delivery.

In the SAR letter template delete what does not occur to you.

As soon as this arrives check through all the paperwork, this hopefully should help your case.

Hope this helps and good luck.;)

Keep us posted, so we can help further if required.

Di