Egg C/C and Loan PPI Help needed please!

louloubxx

Hi All,


I have just started 2 PPI claims, I am new to all this so any help would be appreciated.


My first is an old Egg credit card that I took out in 2003. Im sure this was taken out online where all the boxes were pre ticked. I also recall that if you unticked the box it would flash up red stating that it would improve your application if you take out PPI. I had the original credit agreement but no other information. I received a Letter from Barclaycard saying that they are looking into my complaint and also gave me a form to fill in about my payment preference. I also remember I called then after the application for more information and they told me that I would receive my T&C in the post with forms to sign and return. They also said that if I cancel PPI my application would also be cancelled and if I apply again without PPI it would be rejected. At the time I was in a secure job which included 6wks full sick pay death benefit and also as I was there over 1 year I was also entitled to 1 week redundancy pay on top of my normal pay. As I was young my father was putting away £200 a month for me in case of any emergency.


My second claim was a loan taken out in September 2005 to pay my credit card. This again was done online and there was a pre ticked box. I don't remember any questions about my medical health or employment only those used in the application, and it again flashed up if unticked that it would improve acceptance of my application. I haven't got any information at all only that the balance of the loan was for £6457 and it was for 84 months. I'm sure it was for £3000 and googling shows me that it would've been for 14.9% apr. This loan was passed to a DCA in 2010 but I have worked out that I would paid monthly right up until May 2010. I have taken a few payment breaks throughout the 5years. In 2010 I tried to make a claim on PPI but after requesting the forms over 7x I gave up hence no payments have been made since Aug 2010. It was brought by Britainnia SARL in June 2011 Arrow Global in Feb 2013. By the time I had taken out the loan I was very secure in my job and had a brilliant benefits package and also redundancy package as I had been there for 3years.


I worked out using google based on £3k over 84months at 14.9%apr my total owed should have £4848 at £57 a month but I am sure I was paying £75 plus this increased to £101 in 2010 because of payment breaks. That would mean that £1609 was PPI which works out at £19 per month extra 33% on top of my loan. Does that sound correct? Also I was only had 28months left to pay. When I was sold to the DCA there was still £3678 left this doesn't make any sense to me. I have tried to contact them but I cant get through. Can anyone help with an estimate of how much I could receive and also If my claim is likely to be upheld by either the bank or FOS. Im not sure how a screenshot from their side proves the box was already ticked or even the advisor telling me that it would affect the decision if I had PPI. After working in customer service callcentre I can say that even though you are given a script its very rare that its stuck to. Would they use that as proof?


Thanks in advance and sorry for the long post


Louise