Advice pls on ppi on cc but taken out whilst off work

disneypls

Hi
I've just rcvd my egg cc agreement and they told me that I had ppi on it but when I actually applied for it I was off work with RSI and was getting pd from my works insurance, now my question is can I claim. Saying I didn't want or no I had it as I had a brilliant sickness policy from work and I had a pre existing condition
I've not seen policy for ppi so don't no what it covered
Any info would n great tjanks

-taff

Were you off work completely and signing on or were you employed and on the sick?
Did you apply by post or online? When was this?

disneypls

Still employed being paid by works insurance co
Taken out on line in 2003
Thanks

[Deleted User]

disneypls wrote: »

Still employed being paid by works insurance co

You have to have been unemployed for the insurance to have been mis-sold to you.

Applying online means you mis-bought the insurance, since no one sold it to you.

disneypls

But if I didn't no it was in there and didn't need or want it do I have case

societys_child

Trouble is, if you paid any PPI on a credit card it would be itemised on your monthly statement, so it's difficult to see how you wouldn't [STRIKE] no [/STRIKE] know you were paying it?

disneypls

Never looked at statements!

[Deleted User]

disneypls wrote: »

Never looked at statements!

Not an excuse, nor a reason to complain!

McKneff

disneypls wrote: »

Never looked at statements!

If you didn't look at statements, how did you know how much to pay each month.

Taken out on line means you chose to take it out, so miss bought rather than miss sold.

disneypls

thanks but I was on direct debit and paid min every month. I still believe I was mis sold as didn't no I had it. I am going to ask to see terms of ppi as think I wouldn't be covered under pre exisiting conditions. thanks for help

GhIFA

disneypls wrote: »

I still believe I was mis sold.

You can't be mis-sold something that wasn't sold in the first place. If you'd checked your statements you would have known you'd had it. Without being rude, you're apportioning the blame in the wrong place here.