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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 110
    • Hargreaves1910
    • By Hargreaves1910 3rd Feb 17, 3:26 PM
    • 16 Posts
    • 3 Thanks
    Hargreaves1910
    I have found a Renewal notice from CPP dated November 2001 for 6 cards that were covered at the time, some with Lloyds Bank, others with RBS and Co-op. I opened the account in the early 90's and took out the CPP because it was included in the letters when I received my cards. I read somewhere that CPP had written to people wanting to claim but I never received a letter from them. I then saw that the claim scheme is now closed. Does that mean that I have no chance of putting in a claim? My account was active up until about 2004.

    Many Thanks.
    • Mersey
    • By Mersey 4th Feb 17, 5:39 PM
    • 1,634 Posts
    • 780 Thanks
    Mersey
    The CPP redress scheme which has closed was for post 2005.


    So yes, you can still complain (but you may not receive anything).
    Please be polite to OPs and remember this is a site for Claimants and Appellants to seek redress against their bank, ex-boss or retailer. If they wanted morality or the view of the IoD or Bank they'd ask them.
    • Miss B Kenny
    • By Miss B Kenny 8th Feb 17, 1:51 PM
    • 1 Posts
    • 1 Thanks
    Miss B Kenny
    reclaim of CPP
    I have tried to claim for CPP and followed the MSE forum. I got nowhere with CPP and went to the Ombudsman but they have rejected the claim as they say it closed in August 2015. The Ombudsman said that a letter was sent by CPP and they followed the guidelines. The one letter to claim was never received. They now refuse to take it any further even though they admit it was a telesales call and CPP were taking payments from 2002 to 2005 and then 2005 to 2015 which is something that was never required. It is an absolute disgrace when PPI keep getting extensions of time to pay.
    • dunstonh
    • By dunstonh 8th Feb 17, 2:16 PM
    • 89,892 Posts
    • 56,567 Thanks
    dunstonh
    I have tried to claim for CPP and followed the MSE forum. I got nowhere with CPP and went to the Ombudsman but they have rejected the claim as they say it closed in August 2015. The Ombudsman said that a letter was sent by CPP and they followed the guidelines. The one letter to claim was never received. They now refuse to take it any further even though they admit it was a telesales call and CPP were taking payments from 2002 to 2005 and then 2005 to 2015 which is something that was never required. It is an absolute disgrace when PPI keep getting extensions of time to pay.
    Originally posted by Miss B Kenny
    PPI does not get extensions.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Petronellann
    • By Petronellann 10th Apr 17, 6:44 PM
    • 1 Posts
    • 0 Thanks
    Petronellann
    Thanks to Martin's advice I have successfully reclaimed CPP insurance paid after 2004 but according to the Financial Ombudsman claims are not possible prior to this time (I was sold CPP by another company in association with CPP in 1997) because neither company was regulated at this time
    • Sage Owl
    • By Sage Owl 15th Apr 17, 5:28 PM
    • 3 Posts
    • 0 Thanks
    Sage Owl
    Sadly, my lovely 78 year old mother in law died last week. My elderly father in law has asked me to sort out the financial stuff. He is not financially savvy and would not have understood CPP. Their financial records are not clear but I have found papers relating to CPP identity protection insurance in 2014 for both of them, one that seems to have an annual direct debit and one monthly. I don't have the bank statement that would cover the annual payment, but can see that the monthly one is still being taken from his bank account. Even more confusingly, his policy refers to identity protection for someone we have never heard of.
    I see the compensation scheme is closed. I don't have powers to tell his bank to stop the direct debit and he is so upset he is in no state to do so at the moment.
    Advice on how best to proceed would be much appreciated. Also does anyone know a free phone number for CPP identity protection?
    • Nasqueron
    • By Nasqueron 15th Apr 17, 5:51 PM
    • 4,047 Posts
    • 2,336 Thanks
    Nasqueron
    Sadly, my lovely 78 year old mother in law died last week. My elderly father in law has asked me to sort out the financial stuff. He is not financially savvy and would not have understood CPP. Their financial records are not clear but I have found papers relating to CPP identity protection insurance in 2014 for both of them, one that seems to have an annual direct debit and one monthly. I don't have the bank statement that would cover the annual payment, but can see that the monthly one is still being taken from his bank account. Even more confusingly, his policy refers to identity protection for someone we have never heard of.
    I see the compensation scheme is closed. I don't have powers to tell his bank to stop the direct debit and he is so upset he is in no state to do so at the moment.
    Advice on how best to proceed would be much appreciated. Also does anyone know a free phone number for CPP identity protection?
    Originally posted by Sage Owl
    For obvious reasons without PoA you cannot cancel policies for other people, as upset as he is, he will need to speak to his bank though I would be surprised if he was still paying for CPP given the thing was all stopped 2-3 years ago, also it was a yearly thing not monthly. A monthly thing, if the same payment each time is likely to be some sort of other insurance, if it varies it could be something like PPI. You might need to write the letters for him and let him sign them then post them off

    http://www.moneysavingexpert.com/reclaim/CPP-card-protection
    • Sage Owl
    • By Sage Owl 15th Apr 17, 6:34 PM
    • 3 Posts
    • 0 Thanks
    Sage Owl
    Many thanks. The 2014 papers I have seen show the monthly breakdown for identity protection, it is odd. I'll write the letters and hope I can sort it out.
    • loulou_1984
    • By loulou_1984 18th Jun 17, 5:29 PM
    • 491 Posts
    • 2,141 Thanks
    loulou_1984
    Can I claim?
    Hi all,

    I've read various threads from the 'sticky' post on PPI, but still a bit confused - can anyone help please?

    A while ago I received a call from a CMC - to get rid of them, I told them I'd never had PPI as I hadn't had a loan. They asked if I'd had credit cards (yes, back when I was in debt, I had quite a few). They said even if I wasn't aware of it, I may have had PPI.

    Obviously I didn't want to use them as I was aware of all the resources on this website, but I'm a bit stuck after looking at the templates. Here's where I'm at - do any of these facts mean I definitely can't claim?

    - I had the credit cards between 2002 and 2011 (if the cut off for claiming is 6 years... shall I give up now??)
    - I know who I had credit cards with, but no account details or info (I believe I can obtain this by using the SRA template)
    - I don't remember any CPP stickers as mentioned in the other threads
    - I don't remember paying for PPI, so may find I don't have a claim anyway
    - I had credit cards with Egg, Barclays, HSBC and Capital One.

    Thank you in advance to anyone that can advise!
    • Moneyineptitude
    • By Moneyineptitude 18th Jun 17, 8:45 PM
    • 18,900 Posts
    • 10,121 Thanks
    Moneyineptitude
    You are far too late to complain about CPP even if you had it, as the refund scheme closed more than a year ago.

    As for PPI, you already know how to check whether you had it via the Subject Access Request (SAR, not SRA) route. There is no six year "deadline", although you may find records of finance older than this are no longer available.

    I'm not sure what else you are asking?
    • Neil
    • By Neil 25th Jun 17, 5:11 PM
    • 6 Posts
    • 0 Thanks
    Neil
    hey there MSE crew !

    i am posting here to see if i have any further redress against this shameful organisation

    I tried to get my money from them in 2013/2014 and despite many many requests for the claims form (all recorded) they delayed and delayed me saying they were struggling with resources to support the claims system ...as you know the claim window closed on 30th august 2014

    in a last ditch attempt i actually dowloaded your forms and sent them in 2-3 days before the deadline and emailed them the details as well

    guess what - they have continued since then to say the documents were not received by the deadline date and therefore they will not pay the claim or look at the request

    i escalated this to the Financial Onbudsman Service and they eventually replied in dec 2014 saying they do not deal with such a problem as it was not covered by the Financial Onbudsman Servoce ( eh ?)

    anyway i kinda gave up at the time as clearly the crooks at CPP were working to ensure many innocent customers did not get compensated by fair means or foul.....mainy foul if i am allowed to be so blunt and frustrated by their blatent methods and tactics ....how are these organisations and their parent companies (banks) still allowed to be operating ?

    since i am helping someone to reclaim some PPI (great site and assistance MSE !) i thought i would write in here again for 1 more shot ....

    advice ? / Help ?

    cheers
    Neil
    • Moneyineptitude
    • By Moneyineptitude 25th Jun 17, 5:27 PM
    • 18,900 Posts
    • 10,121 Thanks
    Moneyineptitude
    in a last ditch attempt i actually dowloaded your forms and sent them in 2-3 days before the deadline and emailed them the details as well

    guess what - they have continued since then to say the documents were not received by the deadline date and therefore they will not pay the claim or look at the request
    Originally posted by Neil
    As you missed the CPP Scheme deadline and the Ombudsman could not help, it's difficult to see where you might take this for "one more shot"

    Sorry.

    clearly the crooks at CPP were working to ensure many innocent customers did not get compensated by fair means or foul.....mainy foul if i am allowed to be so blunt and frustrated by their blatent methods and tactics
    Originally posted by Neil
    I'm not sure very many were denied a refund in the manner you were. Certainly many thousands were recipients of full refunds.

    I think your problem was only finally sending the complaint three days before the scheme closure. If you write to CPP again, they'll just reiterate what they told you in 2014.
    • NorfolkBroad
    • By NorfolkBroad 1st Aug 17, 6:56 PM
    • 145 Posts
    • 3,938 Thanks
    NorfolkBroad
    Whilst having a clear out for the charity bag I came across documentation for a CPP card and identity theft policy from 2011 which was taken out via my Vanquis card. Now I think back, I remember arguing with them for months that I didn't need some sort of insurance they had added without asking me and eventually got them to cancel it but I think I had paid it for nearly a year by then. I didn't get a letter from them about the compensation scheme even though I'm at the same address as I was when it was added to my account. I know the scheme has closed now but is there any way I can still reclaim as I had forgotten I had it until I found this paperwork so didn't realise I had a claim.
    • zx81
    • By zx81 1st Aug 17, 7:22 PM
    • 14,387 Posts
    • 15,181 Thanks
    zx81
    No. .
    • Moneyineptitude
    • By Moneyineptitude 1st Aug 17, 10:48 PM
    • 18,900 Posts
    • 10,121 Thanks
    Moneyineptitude
    I know the scheme has closed now but is there any way I can still reclaim as I had forgotten I had it until I found this paperwork so didn't realise I had a claim.
    Originally posted by NorfolkBroad
    Unfortunately you no longer have a "claim". The scheme closed three years ago and (with it) any complaint you might subsequently make.
    • capitankate
    • By capitankate 30th Aug 17, 3:34 PM
    • 1 Posts
    • 0 Thanks
    capitankate
    Confused
    Hi All,

    Just looking for a bit of help. Was clearing out the filing cabinet (as we have wage slips dating back to 1999). Discovered that my husband had a Topshop card, first opened around 2001 and had paid cpp the whole time. Closed it around 2010. Only have some of the paper work but do not have the exact year it was closed.

    From the looks of it he bought an item when first opened it and every other change was insurance. We have never received a letter about joining the reclaim group. I have downloaded mse template but not exactly sure the best way to word the amendments needed in the letter. Also we do not seem to have a copy of the first statement. I would like to make our case as strong as possible. Will it matter that we do not have complete paperwork.

    Thank you
    • zx81
    • By zx81 30th Aug 17, 3:40 PM
    • 14,387 Posts
    • 15,181 Thanks
    zx81
    Will it matter that we do not have complete paperwork.
    Originally posted by capitankate
    No, but it matters that you are three years too late to complain about it.
    • Moneyineptitude
    • By Moneyineptitude 30th Aug 17, 10:50 PM
    • 18,900 Posts
    • 10,121 Thanks
    Moneyineptitude
    We have never received a letter about joining the reclaim group.
    Originally posted by capitankate
    Unfortunately you are no longer able to "reclaim"regardless of somehow not receiving the letter(s). The scheme closed three years ago and (with it) any complaint you might subsequently make.

    Forget about this..
    • cheam infants
    • By cheam infants 2nd Sep 17, 7:27 PM
    • 29 Posts
    • 1 Thanks
    cheam infants
    CPP claims
    Just found out my elderly mother has been paying CPP since 2001, she never received th redress scheme letter, the payments come out of her bank account as a direct debit. How does she know who to complain to in order to make a claim for miss selling. Would it be the bank or CPP.
    • Moneyineptitude
    • By Moneyineptitude 2nd Sep 17, 7:34 PM
    • 18,900 Posts
    • 10,121 Thanks
    Moneyineptitude
    Just found out my elderly mother has been paying CPP since 2001, she never received th redress scheme letter
    Originally posted by cheam infants
    Read the earlier responses to the thread, the redress scheme ended some three years back.

    You cannot complain that you didn't receive any of the reminder letters and such a complaint will not gain you any refund.

    You are far too late. Sorry.
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