Egg Loan PPI

[dazworld]

I took out an Egg Loan in 2002 for 60 months to consolidate cards etc and have some work done at home. The loan was £15900 and £3452 was then added on top for PPI - total amount £19352 !!

 

I don't recall adding ppi or being asked the question / given the choice. What value would be the anticipated reimbursement, should I brace myself for a battle ?

 

Hi all -

whether it was online (with an opt-out box, or pre-ticked opt-in box or both opt-in and opt-out boxes were both unselected).

 

I've that problem - I've had 2 loans and I think the original was applied for online (remember egg.com being an online organisation so think it was online in 2001/2002.

 

Any help on how Egg applied PPI around 2001 would be really helpful.

 

Thanks,

[dx100uk]

have you got all the paperwork?

 

 

dx

[dazworld]

Hi

 

Yes-loan agreements paperwork for both loans and in it says:

 

1st loan PPI amount £500 (for 30 instalments loan)

2nd loan PPI amount £1300 (for 40 instalments loan)

 

It doesn't say how I applied for the loan not how I choose/forced PPI. It just says in the legal bit 'this is the premium to the insurers for the protection you have chosen...'

 

I think the initial loan was an online application, but don't know.

 

Help!!

[dx100uk]

I would assume as with most egg loans

the yes box was already ticked

and the site refused to let you progress

if you tried to change it.

id follow no.1. below

and do your spreadsheet as a refinanced loan.

 

dx

[dazworld]

I would assume as with most egg loans

the yes box was already ticked

and the site refused to let you progress

if you tried to change it.

id follow no.1. below

and do your spreadsheet as a refinanced loan.

 

dx

 

Thanks for being so responsive DX.

 

 

You'll recognise that I just want to ensure any reclaim I make to Citibank (now handling Egg loans)

is tight to ensure I get the refund.

 

I've requested a SAR from Citibank - it's 30days in but I've not yet had a response

(nor have they cashed my £10 cheque).

 

Note that as well as the paperwork I have for the 2 loans which I took out in 2001 and 2002 (

which do state I took PPI on them)

 

 

I've looked at my Experian credit file and it has an entry suggesting a 3rd loan (80 payments of £100)

- however, I do not have that paperwork to establish whether PPI was on that one.

 

Do you have any links to others who took out Egg loans in the early 2000s

in how they applied for the loan?

 

 

Or do you think I should wait for the SAR?

 

Thanks in advance

[dx100uk]

I would of sent my sar to the EGG Canadian square address

 

 

not citi

 

 

dx

[dazworld]

soz, SAR request was to :

Canada Square Operations

Citigroup Centre

33 Canada Square

[dx100uk]

great well done

 

 

they tend not to faf around

 

 

dx