egg credit card and CRP

CarrieLeigh

Hi
I had a credit card 2001-2004.
I am self employed and was not told it was on.
It only shows on my statements once annually though and is a CPP?
the charge is £15 per year.
I closed the account in 2004 after getting in financial difficulty, I also incurred a lot of late payment fees.
My question is, will I get interest to the date I get the refund and will I be compensated?
Could I also claim back the penalty charges?
Thanks in advance for any advice

Nasqueron

CarrieLeigh wrote: »

Hi
I had a credit card 2001-2004.
I am self employed and was not told it was on.
It only shows on my statements once annually though and is a CPP?
the charge is £15 per year.
I closed the account in 2004 after getting in financial difficulty, I also incurred a lot of late payment fees.
My question is, will I get interest to the date I get the refund and will I be compensated?
Could I also claim back the penalty charges?
Thanks in advance for any advice

You need to clarify this, CRP was a form of PPI. CPP is not PPI.

If you had CRP it would be shown on every statement as a separate charge. As you said it was a yearly thing it was CPP not CRP

See the guide here

http://www.moneysavingexpert.com/reclaim/CPP-card-protection

Complain about the pre-2005 CPP here

https://www.citibank.co.uk/personal/complaints-egg.do#CLICK3

CarrieLeigh

Ah ok thanks, I didn't know there was a difference. Since starting this thread I have had letters denying any knowledge of my account, I sent evidence recorded delivery and they sent a letter saying I had not sent anything. I then resent with evidence that they had signed for my letter. Another letter arrived the same day I posted the second claiming they have already refunded me the premiums, no interest or compensation added, just the premium cost.
I have checked all my bank accounts and cannot find the cheque in any of them. I do not recall getting a letter, in fact I recall that I couldn't get any information on claiming off them as they stated I must go to CPP themselves.
Now, I don't know what to do. Any ideas please?
This account goes back to 2001 by the way.

Nasqueron

Ask them to prove they have paid it and when, if you get no joy ask the FOS to look at it

CarrieLeigh

Ok, I will give I a go. it s strange as they've sent me another letter stating I've not provided any info to prove I had an account, yet they sent a letter last week stating they had paid me already.