PPI Reclaiming successes and failures

di3004

Hostie wrote: »

Thanks alot. Will keep you posted on my crusade against Yorkshire Bank! Have sent letters off recorded delivery , just wondering what to do about the Double paying element. I will try and get in @ the citizens advice in order to get confirmation that i have paid twice. Many thanks

Fingers crossed for you Hostie.:beer:

tomcody

Hi there all.

Had a rejection letter from Egg CC PPI this was an internet application from 2001.
Stated the following:-


Our online sales process:
Doesn't require you to take PPI as a condition of obtaining CC
Does not provide and advisory service
Required you to positively confirm that you wished to purchase PPI
Provided full terms and conditions of the policy and requested you read them before submitting.

They have sent a copy of my real time application there is a box which reads accident sickness unemployment and life they are saying if I hadn't opted this would have read 'none'.

Anyone got any ideas or had sucess with Egg CC PPI.

di3004

tomcody wrote: »

Hi there all.

Had a rejection letter from Egg CC PPI this was an internet application from 2001.
Stated the following:-


Our online sales process:
Doesn't require you to take PPI as a condition of obtaining CC
Does not provide and advisory service
Required you to positively confirm that you wished to purchase PPI
Provided full terms and conditions of the policy and requested you read them before submitting.

They have sent a copy of my real time application there is a box which reads accident sickness unemployment and life they are saying if I hadn't opted this would have read 'none'.

Anyone got any ideas or had sucess with Egg CC PPI.

Hi there

Many have been turned away for online ppi purchases and EGG is one of them, however, do not give up, hopefully amersall will post up on this one for you, as she was successful with keeping at them.
The FOS are now getting used to dealing with online applications where many have been mis sold, so if that was the final response, take your complaint to them, otherwise write back to EGG for them to consider.

Hopefully amersall will be along soon, good luck and keep at them.;)

lmclean100

Hi

Great site.

I received a letter yesterday from Abbey in connection with my loan from Cahoot taken out in 2005.

They had looked at my complaint and agreed that I had not been given sufficient information to make an informed decision about PPI and have offered me just over £4K (I'm accepting as I only expected about £500), which is a total refund of all instalments plus interest at 8%.

I used the template letter from this site.

Thanks again - just waiting to hear back from my credit card companies.

L

di3004

lmclean100 wrote: »

Hi

Great site.

I received a letter yesterday from Abbey in connection with my loan from Cahoot taken out in 2005.

They had looked at my complaint and agreed that I had not been given sufficient information to make an informed decision about PPI and have offered me just over £4K (I'm accepting as I only expected about £500), which is a total refund of all instalments plus interest at 8%.

I used the template letter from this site.

Thanks again - just waiting to hear back from my credit card companies.

L

WOW, well done that is brilliant :T:T:T
Congratulations, what a lovely surprise to have all that money, well done to you.:beer::beer:

tomcody

di3004 wrote: »

Hi there

Many have been turned away for online ppi purchases and EGG is one of them, however, do not give up, hopefully amersall will post up on this one for you, as she was successful with keeping at them.
The FOS are now getting used to dealing with online applications where many have been mis sold, so if that was the final response, take your complaint to them, otherwise write back to EGG for them to consider.

Hopefully amersall will be along soon, good luck and keep at them.;)

Thanks for that I think that I will give them one last try but would be grateful if anyone has any tips of any extra bits to add to letter.

tomcody

Just looking at the Real time application copy they have sent me the PPI bit they say I filled in is not showing as a tick box or drop down option. Also it is a separate section of the form that they used to put my credit limit, credit score and I believe authorise the application. So as I look at i this is a section I wouldn't have been able to access - they are not showing me where I selected PPI.

Dunkydo

tomcody wrote: »

Hi there all.

Had a rejection letter from Egg CC PPI this was an internet application from 2001.
Stated the following:-


Our online sales process:
Doesn't require you to take PPI as a condition of obtaining CC
Does not provide and advisory service
Required you to positively confirm that you wished to purchase PPI
Provided full terms and conditions of the policy and requested you read them before submitting.

They have sent a copy of my real time application there is a box which reads accident sickness unemployment and life they are saying if I hadn't opted this would have read 'none'.

Anyone got any ideas or had sucess with Egg CC PPI.

Hi there,

All it took was one letter from the templates on this site and Egg refunded £800 back against my outstanding balance within 10 days.

I find it strange that they are fighting yours as mine was completed online too .......I think it's time for Template Letter 2!!

All the very best,

Dunkydo

pinknico

With Egg depends what year as they had a opt out scheme at one point which is a no no.

Portofino_2

Do you know which year(s) they were by any chance?