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  • FIRST POST
    • MSE Amy
    • By MSE Amy 27th Aug 13, 5:45 PM
    • 27Posts
    • 36Thanks
    MSE Amy
    Reclaim CPP article discussion
    • #1
    • 27th Aug 13, 5:45 PM
    Reclaim CPP article discussion 27th Aug 13 at 5:45 PM
    Hi!

    This is the discussion thread for the



    Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.


    Thanks folks ,
Page 1
    • canspendnomore
    • By canspendnomore 28th Aug 13, 11:43 AM
    • 195 Posts
    • 861 Thanks
    canspendnomore
    • #2
    • 28th Aug 13, 11:43 AM
    • #2
    • 28th Aug 13, 11:43 AM
    This might not be the right place for this question, please feel free to move it if that's the case.

    I believe that both my husband and I were mis-sold the CPP policies, but I can only access the statments for the last year online. I believe that I can ask for statements going back 6 years, but that I will have to pay for each statement.

    If I'm not sure when the policy would have started, then it could cost a fortune.

    Do you have any advice?
  • Onelifebaby
    • #3
    • 28th Aug 13, 1:18 PM
    CPP Pre 2005 query
    • #3
    • 28th Aug 13, 1:18 PM
    Hi All

    I had a policy pre 2005 and I have the policy number on a CPP sticker inside an old diary, however, I cannot remember who sold it to me.

    Anyone know if I can I trace the policy number back to the seller somehow?

    I'd appreciate any help you can offer!
    • Firemunchkin
    • By Firemunchkin 28th Aug 13, 6:23 PM
    • 269 Posts
    • 484 Thanks
    Firemunchkin
    • #4
    • 28th Aug 13, 6:23 PM
    • #4
    • 28th Aug 13, 6:23 PM
    Hi All

    I had a policy pre 2005 and I have the policy number on a CPP sticker inside an old diary, however, I cannot remember who sold it to me.

    Anyone know if I can I trace the policy number back to the seller somehow?

    I'd appreciate any help you can offer!
    Originally posted by Onelifebaby
    I'm pretty sure that if you phone CPP they'll either tell you on the phone, or open a complaint for you and investigate their records, which will end up with them writing to you with the details of where/when you were sold the policy. Might be a good place to start?
    • Firemunchkin
    • By Firemunchkin 28th Aug 13, 6:35 PM
    • 269 Posts
    • 484 Thanks
    Firemunchkin
    • #5
    • 28th Aug 13, 6:35 PM
    • #5
    • 28th Aug 13, 6:35 PM
    Back in March I called CPP to open a complaint of misselling.

    The original policy was sold via a credit card company in 2003, but I cancelled that straight away. I was sent a letter by CPP confirming the cancellation and telling me how they can protect me from fraudulent use of my credit/debit cards in future - they even said how "costly" it can be if a thief were to use my card! Pretty sure that's what they've been told was misselling!!

    I then had my bag stolen abroad in 2004, and with CPP's words ringing in my ears, I phoned them up. They said I had to open a policy there and then and they would take care of everything. Phew, relief, no? I had the policy since then, until finding out about the protection I automatically had from my bank/credit card company (yes, I felt like aniidiot).

    CPP, however, linked the two clearly distinct policies and palmed me off to the credit card company who, rightly, said I'd cancelled that policy and wasn't eligible for any reclaim. CPP refused to look at my evidence setting out the two different policies.

    I've now called the FSO who is sending a claim form to me for their assessment of my claim. Because the policy was sold pre-2005 I can still do it this way, if it had been post-2005 I would have had to use the redress scheme.

    Watch this space!

  • skinnyedie
    • #6
    • 28th Aug 13, 8:30 PM
    Cpp
    • #6
    • 28th Aug 13, 8:30 PM
    I bought CPP in February 2003 on my banks advice/recommendation. I haven't seen any mention of the Yorkshire Bank. What do I do? I still have a policy, do I cancel and how do I start a claim off? I thought I was getting all singing,all dancing protection. Any help gratefully received.
  • angelmine
    • #7
    • 29th Aug 13, 3:00 PM
    CPP still active
    • #7
    • 29th Aug 13, 3:00 PM
    I have had CPP Identity Protection since 2009 and it is still active.

    If I cancel this now will this impact my ability to make a claim?

    My late husband also had the same cover which I cancelled in June following his death in May. I paid for this annually from my bank account so will I be able to claim against this too?
  • gummy1953
    • #8
    • 1st Sep 13, 3:22 PM
    Cpp
    • #8
    • 1st Sep 13, 3:22 PM
    I have had card protection including a doorkey return facility in case of loss, for a number of years, quite possibly pre-dating 2005. I can't now remember if this was through a credit card or by direct contact with CPP. I renewed my annual subscription not long ago and it does not seem worth cancelling it in view of this claim, but I will not be renewing it. As per the previous question, will this make any ndifference?

    Will this make any difference to any claim that may be forthcoming and will I receive any refund from before 2005?

    Thanks.
  • alexdav
    • #9
    • 3rd Sep 13, 10:17 AM
    Cpp letter
    • #9
    • 3rd Sep 13, 10:17 AM
    Hi

    I have received the letter 1 explaining the scheme but to be honest i didn't realise this was something i had. I do have some vague memory of a sticker on one of my new cards but thats about it. I don't believe i have any paperwork that relates to this either. Do i need to dind all these details to be included or can i assume that as i have been sent the letter i am eligable and don't need to ask my bank for statements so i can try and find a cpp payment?
    • McKneff
    • By McKneff 3rd Sep 13, 10:44 AM
    • 35,650 Posts
    • 45,885 Thanks
    McKneff
    I had the same letter just a few days ago, they are saying that they will be on contact again within around 12 weeks and need to do nothing at the moment. I remember having one, for loss of keys, etc but its all very vague, I will just wait and see.
    No one can make you feel inferior without your consent
  • Russell13
    I got cpp though alliance and Leicester who got taken over by Santander will I still be able to claim money back
    • maggy50
    • By maggy50 4th Sep 13, 4:44 PM
    • 749 Posts
    • 1,112 Thanks
    maggy50
    I have also had a letter from CPP quoting a policy number but no mention on which bank or credit card it was with.

    There will probably be clarification in a letter further down the line.

    I know I was offered this type of protection during the late 90s on a credit card account I will have to dig out statements and have a look.

    Just when I thought that it would be an end in sight after PPI that it is time to shred everything but it looks like that this idea has hit the skids.

    I know any claim before 2005 there is a different process.
    • McKneff
    • By McKneff 5th Sep 13, 12:30 AM
    • 35,650 Posts
    • 45,885 Thanks
    McKneff
    Ive no idea when I took mine out but will wait and see when the next letter comes.
    No one can make you feel inferior without your consent
    • canspendnomore
    • By canspendnomore 5th Sep 13, 10:59 AM
    • 195 Posts
    • 861 Thanks
    canspendnomore
    I know my husband and I had a joint policy around 2005 and he had a policy prior to that but we have moved house since then (although we still have the accounts that we took it out through (Barclaycard and HSBC)).

    I telephoned CPP today and they have told me that I need to write to get this information stating policy number (if you have it) and the addresses that you were at at the time.

    They also said that I needed to send a cheque for £10.00 as a Subject Access Payment and I'm not sure if this is right or not.

    Any help greatly appreciated. I never took out PPI so this is completely new to me!
  • lislarch
    I've just found out about this and have been paying a CPP policy for 12 years! Can't believe I've paid out all that money for nothing and won't be included in the redress thing as it was 2001 I took it out. Surely as I've been paying it all this time I should be entitled to some compensation? Would I have to claim it myself?
    Also can i claim through the redress system for the payments I've made after 2005 up to the present?
    Thanks
    Last edited by lislarch; 05-09-2013 at 12:32 PM.
  • clara schuman
    should I cancel my CPP now?
    I've been paying for ID protection with CPP since 2006. I've been expecting a letter about voting to reclaim for the mis-selling of this policy. I was therefore rather cross today to receive a letter about renewal of my policy (which is due in October) - no mention of anything else at all.
    My question is, shall I cancel the policy now? I don't want to do anything which would affect my chance to vote for the reclaim.
    All advice gratefully received.
  • Evereddy
    Was sold CPP years ago
    I have had CPP card protection for well over 10 years, will I get compensation for the years before 2005?
    • McKneff
    • By McKneff 7th Sep 13, 12:58 PM
    • 35,650 Posts
    • 45,885 Thanks
    McKneff
    I've just found out about this and have been paying a CPP policy for 12 years! Can't believe I've paid out all that money for nothing and won't be included in the redress thing as it was 2001 I took it out. Surely as I've been paying it all this time I should be entitled to some compensation? Would I have to claim it myself?
    Also can i claim through the redress system for the payments I've made after 2005 up to the present?
    Thanks
    Originally posted by lislarch
    But yu haven't been paying it out for nothing, you have had the service of the insurance.

    It will have been on every bank statement yu have ever received, did you not notice it.
    No one can make you feel inferior without your consent
    • McKneff
    • By McKneff 7th Sep 13, 1:00 PM
    • 35,650 Posts
    • 45,885 Thanks
    McKneff
    I've been paying for ID protection with CPP since 2006. I've been expecting a letter about voting to reclaim for the mis-selling of this policy. I was therefore rather cross today to receive a letter about renewal of my policy (which is due in October) - no mention of anything else at all.
    My question is, shall I cancel the policy now? I don't want to do anything which would affect my chance to vote for the reclaim.
    All advice gratefully received.
    Originally posted by clara schuman
    If you don't want the policy then cancel it.

    Keeping it going is sending a message to them that it is okay to keep on paying it. If you see what I mean.

    Cancel it in writing and ask for acknowledgement of the cancellation
    No one can make you feel inferior without your consent
    • sile001
    • By sile001 7th Sep 13, 1:37 PM
    • 89 Posts
    • 83 Thanks
    sile001
    I've just received a letter from CPP re compensation. They say they're going to send another letter within the next 12 weeks with the procedure on what to do. If I've read it correctly, it depends on whether there's a majority vote on repaying of moneys due - now what?
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