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PPI Clain not Upheld by Egg/Barclaycard

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  • #1

    PPI Clain not Upheld by Egg/Barclaycard

    Hello,

    I recently submitted a claim for PPI for a credit card that I took out online with egg (then transferred to Barclaycard) in 2003 which has not been upheld.

    One of the reasons they have stated why this was not upheld is that Egg online did not provide an advisory service for this. I stated in my complaint that I can remember contacting egg at the time and asking about PPI and being advised to take PPI out with this credit card.

    Now I have no written proof about this conversation but can anyone advise if it's worth appealing against this on the grounds that I was advised to take this out by egg.

    Many Thanks
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  • #2
    Re: PPI Clain not Upheld by Egg/Barclaycard

    I will be interested to follow this thread. We had PPI with Egg and I have not got a clue whether it was mis-sold or not - but it was opened on line and I distinctly remember them calling my husband to discuss the taking out of the PPI . I did send an SAR but the paperwork was very thick and to be honest I did not know what I was looking for or where to start.
    "What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

    "Always reach for the moon, if you miss you'll end up among the stars"


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    • #3
      Re: PPI Clain not Upheld by Egg/Barclaycard

      Sounds a bit like my case, problem Is I was advised to take this out over the phone by egg and taking it out will help my application but they put nothing in writing. My word against them and I think I know who will win.

      I think I have a weak case.
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      • #4
        Re: PPI Clain not Upheld by Egg/Barclaycard

        Did you do a SAR to see if there was any record of the telephone conversation?
        "What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

        "Always reach for the moon, if you miss you'll end up among the stars"


        • 1 thank

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        • #5
          Re: PPI Clain not Upheld by Egg/Barclaycard

          Hello,

          What is an SAR?

          Anyway I have not asked them to check the phone records but this phone conversation took place before I applied for the credit card back in 2003, I doubt they even have my name to cross reference with as I made to phone call to inquire about PPI.
          • 1 thank

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          • #6
            Re: PPI Clain not Upheld by Egg/Barclaycard

            Its a subject access request where they are obliged to supply you with all info that may include recorded conversations Sorry I have been away from the forum for a while I will see if I can find the link.
            "What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

            "Always reach for the moon, if you miss you'll end up among the stars"


            • 1 thank

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            • #7
              Re: PPI Clain not Upheld by Egg/Barclaycard

              http://www.legalbeagles.info/forums/...access+request
              "What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

              "Always reach for the moon, if you miss you'll end up among the stars"


              • 1 thank

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              • #8
                Re: PPI Clain not Upheld by Egg/Barclaycard

                Hi there

                but just wondered if you by any chance have any other reasons to add to your complaint? It can make the case stronger, just a thought as not all think to give all reasons that may apply.

                For example, when you were sold the ppi, can you recall if you worked full or part time hours? (If part time and less than 18 or 16 hours per week) then you can add this as well because they would not pay out on a claim, so you would not be eligible for it then anyway).

                Was you a student, full time etc? (if so then you are not classed as full time employment) and being a student your not protected.

                Did you already have cover in place at the time it was sold to you? (like the employer would pay full sickness pay for 6 or 12 months).

                Or maybe a pre-med condition, for example; Asthma, Back Condition etc etc.......? (in this case they would not pay out if you put a sickness claim in for these particular reasons).

                If you think they just automatically added the ppi, it is now thought to be wrong for them to do this, as they should have given you an option.
                If you have a copy of the agreement, there should be a part on the form where it is marked as crossed, if so have you noticed if this was done manually by yourself or bank-pre-inked crossed for PPI?

                If you can think of anything else that may apply, I would write back and state you do have further information to give that you did forget to add to your complaint, and wish them to consider/to take it all into account.

                Do you have a copy of the agreement or not?

                If not you can request for a copy at the cost of £1 cheque or postal order, they should send this in the post by 12 to 14 days in total.
                However due to timescales they may state they no longer hold the copy, but it maybe worth a try.
                • 4 likes

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                • #9
                  Re: PPI Clain not Upheld by Egg/Barclaycard

                  Di 30, thank you for replying.

                  With the company I was working for at the time I would get three months full pay if off work sick. Through this company I worked for I also paid a small amount each month insurance and would be covered if I was off work sick help pay for living expenses and stuff. This sort of thing sounds like it could help then.

                  I assume I need paperwork to back this up?

                  I left this company in 2008 and did a big cull of stuff thinking I didn't need and after looking this morning cant find anything.
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                  • #10
                    Re: PPI Clain not Upheld by Egg/Barclaycard

                    Hiya

                    I would certainly mention about the protection you had with your employer, and state if this was discussed then you would have obviously have had the opportunity to make them aware of this.

                    You do not have to provide the concrete evidence, but if you do have an old contract as such or anything to confirm this then it may help.
                    I would not worry though, because many employers offered this cover and they must take your word for it ;-)

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                    • #11
                      Re: PPI Clain not Upheld by Egg/Barclaycard

                      Hello Di,

                      Thank you for your help,

                      It's amazing what around the house. I have found the original documents from the company I took the insurance out with dated August 2002. Stating what sort of benefits I get like payments for being in hospital or/off work sick for example. This sounds like it will help my case as I "took" the insurance out with Egg in 2003.

                      Do you think it will be best to take this back to Barclaycard or go straight to the financial ombudsman?

                      Many Thanks
                      • 1 thank

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                      • #12
                        Re: PPI Clain not Upheld by Egg/Barclaycard

                        Originally posted by Cavey82 View Post
                        Hello Di,

                        Thank you for your help,

                        It's amazing what around the house. I have found the original documents from the company I took the insurance out with dated August 2002. Stating what sort of benefits I get like payments for being in hospital or/off work sick for example. This sounds like it will help my case as I "took" the insurance out with Egg in 2003.

                        Do you think it will be best to take this back to Barclaycard or go straight to the financial ombudsman?

                        Many Thanks
                        Hiya

                        Your welcome

                        Did the letter confirm it was final and did they confirm if your able to complain to the FOS?

                        The FOS will take on complaints if the business were covered by the FSA or gisc at the time it was sold to you, or otherwise the FOS will suggest the last avenue of the underwriter/insurer which can take some time but it has been done, and they would have probably been covred/regulated etc.....

                        What some of us do is give the bank another chance to review by giving say 14 or 21 days (even if a final decision has been received) and if heard nothing by then, or if they do not overturn the decision - then complain to the FOS.

                        As you stated you have now found the paperwork, maybe this is all you will need for them to overturn the decision (with a bit of luck)!
                        It's entirely up to you though of course.
                        • 2 likes

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                        • #13
                          Re: PPI Clain not Upheld by Egg/Barclaycard

                          I can appeal to the FOS according to the Barclaycard reply but will give them a call in the morning and give them this new information. Maybe this will overturn the decision as you say. If not then complain to the FOS.

                          Thanks again
                          • 1 thank

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                          • #14
                            Re: PPI Clain not Upheld by Egg/Barclaycard

                            That's good to know and at least this way they will be aware you can still complain about them to the FOS, let's hope they overturn for you now though, fingers crossed x

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                            • #15
                              Re: PPI Clain not Upheld by Egg/Barclaycard

                              Spoke to Barclaycard this morning, they will look at this again, have sent them copies of the paperwork.

                              Yes fingers crossed.
                              • 2 likes

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