Help!! Egg PPI Problem

Starryeyedgrrrrrlll

Hi everyone...I'm new to this site so hope I'm posting in the right place & hope someone can help!

I've just checked my Egg card (NOT Egg Money) as I've made a balance transfer & noticed that a PPI payment had been taken from my account. I have never agreed to having PPI as I'm self-employed so it's as much use as a chocolate fireguard to me.

I have called Egg & they have told me it was applied to my account in 2004 when I called them as I had overpaid, was in credit & wanted the credit to be paid back to my current account. They also said I had agreed to it being applied at that time according to the notes on their system.

I am adamant I did not, as it is no use to me...and why would I add payment protection to an account with a balance that was zero (or in credit)??!

Egg have now told me they will have to listen to the phone call from 3 years ago (!!!) in order to cancel the PPI & reimburse me the costs, if they find the PPI was applied to my account without my say so....

I wondered if anyone else had experience of this and how I should deal with it....I am furious with Egg as they have been applying these charges without me noticing for almost 3 years!!! :mad: (Yes..partly my fault for not checking statements but in the main I was clearing the balance so it's been a couple of quid here & there...) Any suggestions on what I can do to reclaim these charges would be most helpful! Do I have to wait for Egg to make their decision?? Can I hear a copy of the phone conversation from them?? What rights do I have??

Thanks

medman

Hi

I would write to them and explain that you never asked for it and even if you had you would not have been covered, so it was either added mischievously or was mis-sold either way all premiums should be repaid. Threaten them with an action through the Financial Ombudsman if there is no satisfaction and stipulate a time-frame by which you expect the matter to be resolved.

good luck

Starryeyedgrrrrrlll

Thanks Medman - I'm writing a letter today as they have not got back to me yet..I suspect they cannot find the transcript of the call...I'll post an update once I hear back from them....