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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
    • 1,476 Posts
    • 703 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
    • 88,110 Posts
    • 53,339 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 a 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
    • 4,181 Posts
    • 2,319 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
    • 481 Posts
    • 2,134 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
    • 18,757 Posts
    • 8,928 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?
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