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Egg Loans and Credit Card PPI - advice needed

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  • Egg Loans and Credit Card PPI - advice needed

    Hi there,

    I am hoping someone can help me - I tried un-successfully in Sept 2015 with Egg to get PPI back on 3 loan accounts and a credit card. These were taken out in 2004 and ran for many years before I paid them off - I believe early 2010. My reason is a simple one - I was diagnosed with Ulcerative Colitis in 1992 which is a lifelong chronic disease - I've had many operations and hospital stays/visits over the years, my last visit being as recent as 2 years ago. Certainly on the last loan, it was done on the phone and I was told I couldn't have the loan without taking out the insurance. I was stuck and therefore had to take it. The other applications were online at the time and I believe I never selected this product at all - at that time, these types of things were pointless for me as I couldn't get cover for the one thing I was always ill with.

    I dragged out the paperwork again last night and have 2 separate rejection letters from them - one relating to the loan accounts and one relating to the credit card - both from Canada Square.

    There is a glaring error on both which I am hoping will help me resurrect or at least re-submit. Both letters refer to 'my questionnaire' - the issue is I never filled one in - I sent a hand written letter to them with approx 3 or 4 sentences. They asked me to verify identity which was fine and then the next paperwork was we are looking at your case, followed by a rejection letter for both several weeks later. Does anyone think this is worth pursuing with them to re-open on the basis I did not fill in a questionnaire and therefore they did not have the required information to make an informed decision? I am planning on putting a letter together later today saying just that, but would like to post it here later on for advice to see if I have done it right. Any advice or thoughts are truly welcome - I'm so ill at the moment, so any money I can get from anywhere would really help me out.

    - - - Updated - - -

    Okay - this is the letter that I have come up with - any advice gratefully received;

    Dear Sir/Madam,

    I am writing to you to request that my original claim reference numbers XXXXXXXXXXX and XXXXXXXXXXXX are re-opened based on the following information;

    No questionnaire was ever provided to me to complete.
    You refer in your letters dated 17th and 21st September 2015 on both claims to ‘your questionnaire’ implying I completed one - which I did not.
    The information I provided you in my original letter dated July 2015 provided minimal information and as such you would not have had all information required to make an accurate assessment of my case. This would have included the following items being missing from my claim;
    Employment history and benefits available from those employers - of which I can provide proof.
    Details of my existing Medical condition - for which I can provide extensive documentation and proof.
    Your staff member who completed the questionnaire without my knowledge has failed me as a customer. I was not aware of this questionnaire at any point, I have no visibility of the contents of this questionnaire.
    Since vital information was missing from your assessment or was provided incorrectly by a member of your staff, it has distorted the outcome of your decision and should be reviewed as a matter of urgency.
    Based on the above information, I am convinced that I have not been treated fairly by your Company in this matter at all.

    Based on the information above, I insist that these cases are reviewed by a responsible person who can deal with the matter correctly and ascertain all the facts before making any decision. I am willing to provide both a completed questionnaire and further documentation that may be required by yourselves to review this matter accurately.

    To ensure that this matter is dealt with to my satisfaction, a copy of this letter has been sent to your CEO by signed for post;

    Mr Andrew Nettleton
    Citigroup Centre,
    Canada Square,
    London
    E14 5LB
    Last edited by Kati; 28th September 2017, 17:00:PM. Reason: removed links and ref numbers ;) xx
    Tags: None

  • #2
    Re: Egg Loans and Credit Card PPI - advice needed

    tagging [MENTION=48934]Debt Camel[/MENTION] xx
    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
    But please include a link to your thread so I know who you are.

    Specialist advice can be sought via our sister site JustBeagle

    Comment


    • #3
      Re: Egg Loans and Credit Card PPI - advice needed

      When you were given a rejection, there would have been a time limit for taking your case to the Financial Ombudsman. I guess you didn't do this?

      In this case i doubt you have got a good reason for reopening them.

      BUT everyone who has ever had a PPI claim rejected should ask for it to be looked at again under the "Plevin" rules. See https://debtcamel.co.uk/ppi-deadline...t-2019-plevin/.

      So you could send those letters and add on a paragraph at the end saying that you would also like your complaints to be considered under thePlevinn rules.

      Comment


      • #4
        Re: Egg Loans and Credit Card PPI - advice needed

        Thanks for you help. You are correct, there was a time limit and I didn't do this - I just gave up - clearly a stupid decision on my part which I accept - I was worn out with it all by that point. I have already received the letter from Canada Square for Plevin, but only for my credit card account and not the loans. I will attempt the letter and see if I can get anywhere. I will also send in the Plevin letter filled in tomorrow. I am wondering why though, I have not received one for the 3 loan accounts - I will do as you say and mention this in the letter to cover off all bases. Thanks again for helping x

        Comment

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