Egg Card PPI pretick letter??

mooo76

Hello all

I've trawled the forum to find answers & have found some but not all. Apologies if this is on another thread.....

I've found out the I had PPI on my Egg credit card taken out in 2001. The account was closed in 2011. They called to go through the questionnaire with me & have since received a rejection letter. They have stated their reasons for rejection as follows:

• Because I stated during the telephone questionnaire that I was not aware I had PPI
• I had applied online for my credit card & therefore MUST have ticked the box to request PPI

Now I have no recollection of the application form (I had no idea I had PPI or how I had applied for the card) let alone whether I ticked or requested anything however I have read that Egg were famous for having pre-ticked boxes for PPI and you were not allowed to progress your application unless you kept the box ticked. Is there a template letter available for appealing their decision or should I just go directly to the Financial Ombudsman?

I'm also aware that I probably have a finite time to respond to their rejection letter so any advise on that would be great.

Thanks in advance

Rainbowgirl84

There wasn't a pre-ticked box when I applied online around the same time...are you certain you didn't just tick everything that you saw?

You have no recollection of the application form you filled in? (You had no idea you had PPI or how you had applied for the card) let alone whether you ticked or requested it and yet you think Egg should and are at fault?

societys_child

Now I have no recollection of the application form (I had no idea I had PPI or how I had applied for the card) let alone whether I ticked or requested anything however I have read that Egg were famous for having pre-ticked boxes for PPI and you were not allowed to progress your application unless you kept the box ticked

The problem you have is that both the bank and the FOS will know that pre-ticked boxes were not used at the time you completed the online application. That'll be why they state you "MUST have ticked the box to request PPI".
You not remembering, does not make it mis-sold.

mooo76

Thanks for your response. I have no recollection of the application form, no - it was 16 years ago! I have read that many online applications with Egg card during that time frame were pre-ticked & that there is an argument to be had for them to prove this. I'm not saying it was, I'm saying it could be & that I would like to explore the next step.

Peter999_2

When I had an Egg card many years ago (when you could do super balance transfers - those were the days) they tried to con me with PPI.

Unfortunately for me I actually read the T&Cs and knew PPI wasn't really worth it for me (though in hindsight if I'd known it would just be an amazing savings policy I'd have taken it out). However, even though I explicitly didn't want it, they still added it to my card without my knowledge.

The second I got my first bill and the PPI charge was on there I phoned up - they removed and refunded in seconds and wouldn't answer me as to why it got added. They initially tried to say I must of ticked the box but of course I knew I didn't, I remember thinking at the time they probably did this to a lot of people and many won't have realised.

LuxuryWoman

I had an egg card and the same circumstances as you - this would have been around 2000-2004 and I was refunded 2.5k in January of this year.


I think it's important to remember just how PPI was sold back then, pre-ticked boxes, people being told it was a must etc. Let's face it these are the kind of circumstances Martin Lewis has talked and written about so much and how so many of us became aware of the issue


I was told that I had to have a packaged bank account to obtain an overdraft facility for example and then I 'must' have overdraft protection.


MBNA spoke to me about PPI over the phone, I said NO, they added it anyway and them wouldn't cancel, that cost them over £2k.

takman

LuxuryWoman wrote: »

MBNA spoke to me about PPI over the phone, I said NO, they added it anyway and them wouldn't cancel, that cost them over £2k.

So not only did they refuse to cancel the PPI you still continued to use the card?

If they had told me that i couldn't cancel the PPI then i would have cancelled the card and took out another one.

Gavin14774

I applied online and received a £1200 refund last week.

McKneff

Ppi is listed on your statement seperately every single month .
I cant see how you can say you didnt know you had it

Gavin14774

It doesn't matter if people did or didn't know, the refunds are being issued on the basis that is was mis sold.

LuxuryWoman

takman wrote: »

So not only did they refuse to cancel the PPI you still continued to use the card?

If they had told me that i couldn't cancel the PPI then i would have cancelled the card and took out another one.

No I didn't continue to use the card, it's too long to go into but no. I had £100k from house proceeds coming to pay any balances off. I was a housewife with a baby then, self employed, not so easy to simply take out a new card. This was around 2005 but they repaid me 2.5k all told for original charges of around £150