Egg CC charges

doingitall

I had debts of £12000 which now stand at just under £7000. The debt is made up of 2 loans and one credit card with egg. its a struggle but mangeable apart from the egg card and I am desperate to get this under control. Egg have charged me several times in recent month for late payment and direect debit retrys at £16 a go. These charges have put me over my limit and they have then charged me again. I have also just found out today that egg have been charging me for repayment protection insurance fees for the last 5 yrs and I had no idea I had been paying this or that I had agreed to it, its £14.99 a month. Can this be reclaimed like loan insurance? I am mad with myself that I didnt even know about it and have been paying it:eek:

fizz190

As far as I'm aware, you can still claim back credit card charges as the test case doesn't affect it. There's a whole board on it http://forums.moneysavingexpert.com/forumdisplay.html?f=102

You can also reclaim insurance if you think it has been missold:

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Good luck
Fizz

ps. well done on reducing your debt so much so far!