2004 online application for Egg Card (now Barclaycard) PPI

[unwindcompletely]

HI guys,

I’m currently assisting my mother with a PPI complaint with Barclaycard (formerly an egg card taken out Online in Q1 of 2004).

I would really appreciate if someone could categorically tell me that EGG had the PPI box pre-ticked during Q1 of 2004 i.e. they have been successful in calming miss-sold PPI with egg.

 

I would be especially over the moon if someone could tell me that it was not possible to proceed with the application if this box was not ticked as that seems of a complete own goal by egg.

 

Barclaycard have offered us quite a chunk of a refund due to Plevin, but my mother believes she did not knowingly apply of the PPI insurance, which would be the case if the box was pre-ticked.

 

We are is still the early stages i.e. we stated that we believed we have been miss-sold to Barclays and the 1st letter had was this Plevin offer, but we still have not sent our evidence nor our full reasons of the miss-selling to Barclaycard as of yet.

 

Note: Barclaycard have stated the application was made online, I have no way to confirm this, but I have a paper copy of the 15 year old agreement from egg which I found filed away.

 

The card is still active and has PPI premiums ongoing although I have made her paid off the balance of the card (+£2000).

Any Help is much appreciated.

[renegadeimp]

Send a Sar, and look at what you get back. Sure, the bank will send you some PPI back, but you need full statements to see exactly what they should be giving you.

 

Barclaycard have stated the application was made online, I have no way to confirm this, but I have a paper copy of the 15 year old agreement from egg which I found filed away.

 

See? They havent even got the basics correct. Send a SAR off and go through the paperwork carefully.

[dx100uk]

it is a well known fact that the egg site of that time was pre ticked but it was a sep box hidden behind the main screen that got refreshed over the top again so couldnt be seen till the end

something like if you don't untick this box before moving fwd you will be charged.

its on the FOS site examples and here i'm sure.

 

but..

that's not the issue.

 

what BC are rfunding you is the commission they made as it was over 50%

nothing to do with the PPI premiums she paid

so to all intend and purpose that and the PPI tickbox is irrelevant.

 

they are refunding under the plevein ruling what they got paid

not what she paid..

 

and you cant have BOTH.

 

dx

[unwindcompletely]

Thanks renegadeimp & dx100uk!

 

With regard to the SAR it will be my next task.

 

Was it the case when applying online that you print off your own documents, sign them and then send it off in the post? If so then it cannot be possible as I have an credit agreement that was obviously sent to her by post.

 

Yes I understand the Plevein is not what we are trying to pursue but the miss-selling of PPI. Its now up to us to move the complaint further with regards to PPI miss-selling.

 

I suppose the big question here is if we peruse the miss selling of PPI and fail, then do we automatically lose the ability to calm under Plevein?

[dx100uk]

they would have sent them.

she would have returned their copy retaining hers.

 

if you fail on PPI you can go after plevin refund.

 

however, you have already been offered plevin.

 

 

hope you didn't use that useless resolver site for it?

and used the FOS questionnaire following the advice on the FCA PPI website.?

 

dx

[unwindcompletely]

It would make sense if they sent the documentation through.

 

I used the Barclaycard site, though I placed a minimum of information in.

 

I have requested all the data they have regarding the application on there end, so the wait starts.