EGG PPI reclaim - is it too late?

Jutmarlin

Hi everyone,

I hope someone can help me with the following situation.

I have a EGG credit card (£1,200 to pay and 7 years old) and EGG loan (£4,000 left to pay and 5 years old) and i have PPI on both. I signed up for the credit card online and dont remember whether i ticked the box for PPI but i distinctly remember the rep who sold me the PPI for the loan that i would not be accepted if i did not take the quote with PPI.......

The problem is that i sent complaint letters to EGG for both accounts roughly two year ago. I received what i now know to be the standard rejection letter from EGG a few weeks after having sent my initial complaint and i gave up. Having read through the site again recently, i realise that i should have followed up with the second letter instead of giving up.....i was stupid!

My question is - can i send them the second letter now? Can i also still use the Ombudsman route or will they dismiss me as i've left it for so long?

Thanks for any help that you can provide.

Ju T

robbedofmymoney

hi

i would send a letter asking them to re-look at your original claim and point out tha last year the FSA instructed the banks to re-look at the 185,000 claims the banks had previously rejected becuase of the high number of complaints that were being uphelp by the FOS. (i beleive this was in Sept 09, but you can check on the FSA website) this demonstrated the banks had not been treating consumers complaints seriously and only sending out standard responses in the hope people would just accept it and not take further. They were also aked by the FSA to re-look at all of these rejected claims again.

give it a go, you've got nothing to lose.

good luck

marshallka

Hi, as robbedofmymoney has said, your only hope is that they actually reopen the complaint under the FSA new guidelines.

Good luck