Reclaiming - Egg Credit Card Protector Charges

[tal]

I want to reclaim back Egg Credit Card Protector Charges, is there a specific template to use for these charges and do i add the 8% interest ?

 

 

My initial claim for Egg charges update is they have offered me the full money as final offer and sent a letter for me to sign, which states i accept their offer as full and final offer

 

 

I want to reclaim the Egg Credit Card Protector Charges as well, so is it best to hold on and dont reply to Eggs offer to refund my normal bank charges and send a request for Egg Credit Card Protector Charges to be paid back to me, please help thanks

[Mistermind]

Your screen file is unreadable, try load your picture onto Photobucket.com then cut and paste into your posting.

 

No idea what you mean by "Card Protector Charges". Is this the very small Sentinel insurance paid monthly in case you misplaced your card? Or is this the much larger Payment Protection Insurance against prolonged unemployment and sickness (being a proportion of your outstanding balanace)?

 

I have never heard of anybody trying to reclaim the completely lawful Sentinel insurance which they voluntarily opted to accept. As for PPI reclaim it is an uphill struggle against Egg defending every inch, more than likely ending in court. The only defeat ever inflicted on an Egg claimant in court was over PPI. Not a fight to start without solid justification, not a lawsuit limited to filling in the blanks on one template letter.

 

Overlimit and Late Payment penalty charges reclaim is entirely separate from PPI reclaim, and most people who pursued both did it separately, and were paid separately -- if they won both battles. Egg's full repayment offer to you for penalty charges (not PPI) will not stay on the table for long. Best to accept it now while making it clear it is for full and final settlement of penalty charges, not the entirely separate issue of PPI.

 

5 PPI battles won and lost:

 

34 weeks -

25 APR 2007 -

won PPI before court

-

Annalh v Egg/DLA/Eversheds ** Judgement given by court **

16 weeks

- 19 JUN 2007 -

won PPI in court

-

Empire strikes back v Egg Card Repayment Insurance.

08 weeks

- 01 AUG 2007 -

won PPI before court

-

Wednesday 1867 poss vs Egg

(

1

2

)

49 weeks

- 22 AUG 2007 - JULI99 -

lost PPI in court

-

Scrambled Egg

(

1

2

)

35 weeks

- 07 JAN 2008 - phatram -

won PPI, case stayed, stay lifted, Egg settled in full before court

(was self-employed and never eligible) -

http://www.consumeractiongroup.c o.uk/forum/payment-protection-insurance-ppi/87077-egg-credit-card-ppi-3.html#post1314773

[tal]

on my statements it says 'credit card protector', maybe if you lose your card or ppi, how do i find out what it is?

[Mistermind]

What is the monthly amount for this "credit card protector" charge? Is it always the same, or does it fluctuate from month to month with the balance the way PPI does? When was the first time this charge appeared on your statement?

[tal]

The 'credit card protector' appeared from my 1st ever statment, it flucuates with every statement depending on the balance on the egg card, i cancelled it after 2 years

 

i've added it up and its almost £1350 over the 2 years

[Mistermind]

At average £50 per month that looks like PPI, not Sentinel card loss insurance.

 

Egg card application is an online process, the onscreen form includes a box to indicate the applicant's intention to enroll for Payment Protection Insurance. A mouseclick in this tickbox will be recorded by a screen print which Egg will have filed as part of the initial application. Not sure if you received this screen print as part of your £10 SAR request. If you haven't you are entitled to it and can ask for it.

 

In the unlikely event you did NOT tick this box but Egg erroneously acted as if you had, then you would have an easy reclaim in court. With such strong evidence demonstrably against them Egg may settle before court.

 

But if much more likely you did tick that box, then you will need a strong explanation why despite your explicit request PPI should never have been sold by Egg to you, for instance you never qualified for PPI under Egg's terms, or you would never have been able to claim had you fallen out of work due to Egg's exclusion clauses. The judge will more than likely ask why it took you two years to realise PPI should not have been sold to you.

 

This is your reclaim to run as you see fit. The 5 previous reclaimant threads, 4 of them successful, will give you background reading. Your forerunners may possibly help you if you PM them nicely, but this is your case.

 

Not an easy one, and Egg will not roll over. Good luck.