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Hi Everyone,
I have put in 2 claims for Egg and I have since found that I also had a Capital One card that had PPI too. After going through all my papers I have come acrossed a hospital letter from May 2013. Within the letter it states that I have had a condition known as Hidradenitis Suppurativa since May 2003. It has only been since 2012 that I had a diagnosis but I was having symptoms since 2003.
I have already sent off 2 claims for Egg both stating that they were pre ticked boxes and that I was told that it would greatly improve my application to take out PPI. Now on these I have my terms and conditions and within it states that I am not covered for 'Pre existing medical conditions' Egg never asked me about my medical history or suitability. I can see that I wouldn't have been covered for HS which has been ongoing throughout. When I took out the policy I was told that PPI was a major factor for acceptance and I wouldn't have known that I had a condition as I had only a few abcess' and was told that it was a skin infection. In 2011 I was then told that they were reoccurring Abcess' and finally in 2012 I had a diagnosis.
In regards to Capital One. I rang them as I had an account in Oct 2003 - Feb 2008 and to check if I had PPI (I don't have any paperwork) and was told that I did. I was talking about it with my Dad and he remembers that he actually helped me with the online application. He remembers it because it made him open one also. He remembers that the box was also pre ticked as with Egg and he was also shocked when I said that it was optional. We were under a reasonable impression that it was not optional. I received only a summary of the PPI with Capital but never a full policy explaining the exclusions. (Capital One were actually fined by FSA for that in 2005) I had read other posts and it seems they still deny this happens. Now I am unsure about the card activation because I am sure that it was done with an automated service but by posts it shows that capital one say that this is were most sales take place. I am 100% certain as is my father that I left the box ticked . I had applied with Egg the same month and was told that PPI a major factor in the acceptance. So with this in mind, the pre tick box and no information to suggest otherwise.
With both of these agreements would my illness have been considered to have been pre existing? noting that I had only one outbreak during between may and dec 03. Egg did sent me my T&C but I was told that my application would be rejected. I was also under that same impression with capital One except I didn't get any in detail policy from them.
Any help would be appreciated!
Louise Brind
I have put in 2 claims for Egg and I have since found that I also had a Capital One card that had PPI too. After going through all my papers I have come acrossed a hospital letter from May 2013. Within the letter it states that I have had a condition known as Hidradenitis Suppurativa since May 2003. It has only been since 2012 that I had a diagnosis but I was having symptoms since 2003.
I have already sent off 2 claims for Egg both stating that they were pre ticked boxes and that I was told that it would greatly improve my application to take out PPI. Now on these I have my terms and conditions and within it states that I am not covered for 'Pre existing medical conditions' Egg never asked me about my medical history or suitability. I can see that I wouldn't have been covered for HS which has been ongoing throughout. When I took out the policy I was told that PPI was a major factor for acceptance and I wouldn't have known that I had a condition as I had only a few abcess' and was told that it was a skin infection. In 2011 I was then told that they were reoccurring Abcess' and finally in 2012 I had a diagnosis.
In regards to Capital One. I rang them as I had an account in Oct 2003 - Feb 2008 and to check if I had PPI (I don't have any paperwork) and was told that I did. I was talking about it with my Dad and he remembers that he actually helped me with the online application. He remembers it because it made him open one also. He remembers that the box was also pre ticked as with Egg and he was also shocked when I said that it was optional. We were under a reasonable impression that it was not optional. I received only a summary of the PPI with Capital but never a full policy explaining the exclusions. (Capital One were actually fined by FSA for that in 2005) I had read other posts and it seems they still deny this happens. Now I am unsure about the card activation because I am sure that it was done with an automated service but by posts it shows that capital one say that this is were most sales take place. I am 100% certain as is my father that I left the box ticked . I had applied with Egg the same month and was told that PPI a major factor in the acceptance. So with this in mind, the pre tick box and no information to suggest otherwise.
With both of these agreements would my illness have been considered to have been pre existing? noting that I had only one outbreak during between may and dec 03. Egg did sent me my T&C but I was told that my application would be rejected. I was also under that same impression with capital One except I didn't get any in detail policy from them.
Any help would be appreciated!
Louise Brind
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