Egg PPI Reclaim

gerturdeanna

After hearing about the PPI reclaiming etc, I thought I'd give it a go.
Sent the first template letter to Egg (Unfortunatley my letter is saved on my old comp which died!!)
Their final decision reply came today.
Basically it says:

What I understood your complaint to be about:
You believe that you were mis-sold PPI cover when you applied for your Egg loan.
What my findings are after investigating it:
I have tried to trace the original phone call during which your loan application was discussed. Unfortunatley, I am afriad that I have been unsuccesful in finding the call on this occasion.
Egg is conscious of its duty as a responsible lender and will always tailor the loan to the circumstances of the applicant. Insurance will be offered if is thought to be of benefit to the applicant. The level of cover offered will be reliant upon the information given at the time of the application by the applicant.
The script that the associates must follow will always require them to ask the applicant how they are employed and what arrangments they have in place to meet commiments in the event of unemployment, sickness or an accident.
The information regarding the cover would have been included in the agreement you recieved and signed.
The agreement does cover the 30-day cooling off period for the PPI at which time you can contact Egg and we will cancel the policy from the account.
I am sorry to inform you that I do not accept your complaint.
Even though we do not accept your complaint, I still need to ensure that you are aware of your rights in relation to a complaint against us.
You now have 6 months from the date of this letter to take your complaint to the Financial Ombudsman Service.
If you want to discuss blah blah blah please contact us etc etc.

The claim is for two products. An egg credit card- paid off and an Eg loan whch is now a charge against the house.

What would you suggest the next step be?

Thanks

gerturdeanna

Should I just send the sceond template letter?