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    • Debt-Free Dreamer
    • By Debt-Free Dreamer 13th Feb 14, 8:46 PM
    • 3 Posts
    • 4 Thanks
    Debt-Free Dreamer
    • #2
    • 13th Feb 14, 8:46 PM
    • #2
    • 13th Feb 14, 8:46 PM
    Just had my letter through too and was wondering the same thing.

    It almost sounds like a trick question: "Why do you want to be considered for compensation"?
    • safestored4
    • By safestored4 13th Feb 14, 9:48 PM
    • 386 Posts
    • 337 Thanks
    safestored4
    • #3
    • 13th Feb 14, 9:48 PM
    • #3
    • 13th Feb 14, 9:48 PM
    Why either of you seem to think that this may be a trick question is beyond me.

    There is nothing wrong with PPI as a product, the issue is whether or not it was mis-sold. It is perfectly reasonable for the companies you are complaining to to expect you to explain why you think it was mis-sold. Just answer the questions as honestly as you can.
  • zz9pa
    • #4
    • 14th Feb 14, 10:35 AM
    • #4
    • 14th Feb 14, 10:35 AM
    @safestored4 - This is the CPP card protection scheme - not PPI...
    • jay-1
    • By jay-1 14th Feb 14, 10:38 AM
    • 470 Posts
    • 281 Thanks
    jay-1
    • #5
    • 14th Feb 14, 10:38 AM
    • #5
    • 14th Feb 14, 10:38 AM
    I think there is crossed wires here as the OP is asking about Card protection and not PPI.

    If you had CPP you were paying for something that was already provided free through your card provider.

    More info in this link

    http://www.moneysavingexpert.com/reclaim/CPP-card-protection
    • jay-1
    • By jay-1 14th Feb 14, 10:40 AM
    • 470 Posts
    • 281 Thanks
    jay-1
    • #6
    • 14th Feb 14, 10:40 AM
    • #6
    • 14th Feb 14, 10:40 AM
    @safestored4 - This is the CPP card protection scheme - not PPI...
    Originally posted by zz9pa
    You beat me to it!
    • Moneyineptitude
    • By Moneyineptitude 14th Feb 14, 10:43 AM
    • 14,783 Posts
    • 6,219 Thanks
    Moneyineptitude
    • #7
    • 14th Feb 14, 10:43 AM
    • #7
    • 14th Feb 14, 10:43 AM
    @safestored4 - This is the CPP card protection scheme - not PPI...
    Originally posted by zz9pa
    Advice still applies. There is no "trick" question, just answer as honestly as possible.
    • inner_grace
    • By inner_grace 15th Feb 14, 8:57 AM
    • 11 Posts
    • 5 Thanks
    inner_grace
    • #8
    • 15th Feb 14, 8:57 AM
    This Form is Awful!
    • #8
    • 15th Feb 14, 8:57 AM
    In section B you need to explain why you believe you was mis-sold to be considered as you may have purchased the cover for other benefits of the insurance than the card fraud cover. In my case I definitely mis-sold that I was so eager to get my form filled in when it arrived on Tuesday - happy to be one of the first to receive it.

    However advise when filling in this form. It looks a small box so looks easy to fill in but this is what makes it difficult. When you write in that box there is not enough room to explain why you feel you was mis-sold that I quickly ran out of space. I have had a request another form and have been told I'm back in the que for another form and it will be sent after all the others have been sent out.

    It makes me wonder if they have done this on purpose as a way out of getting out of paying compensation to some people that are entitled, as if you can't explain your point fully then an important factor could be missed out that could make the difference to getting the compensation.


    Also another mistake I made was I realised afterwards you must write in block capital letters only, this only makes your handwriting even bigger! You must also keep within the box as it has to be scanned onto a computer.

    The best thing to do, which is what I wished id have done, is copy the form a few times and have a few practice runs to make sure you can fit everything you want to write into this silly little box otherwise like me you will be waiting 3 weeks for another form.

    Good Luck with it.
    • jellie
    • By jellie 15th Feb 14, 12:49 PM
    • 707 Posts
    • 537 Thanks
    jellie
    • #9
    • 15th Feb 14, 12:49 PM
    • #9
    • 15th Feb 14, 12:49 PM
    It makes me wonder if they have done this on purpose as a way out of getting out of paying compensation to some people that are entitled, as if you can't explain your point fully then an important factor could be missed out that could make the difference to getting the compensation.

    Also another mistake I made was I realised afterwards you must write in block capital letters only
    Originally posted by inner_grace
    Or maybe they expect to pay out to most people and don't want their claims handlers having to sift through loads of waffle, so made the box deliberately small to stop people writing a 2 page essay?

    Reading thoroughly through any form before completing and signing it would always be best practice.
    • inner_grace
    • By inner_grace 15th Feb 14, 1:53 PM
    • 11 Posts
    • 5 Thanks
    inner_grace
    I'm not sure how 140 words is a 2 page essay? There's the danger of saying too little and not getting any compensation at all with this form. If they really expect to pay out to so many people and do not want to read through the forms then they should operate a tick box option to cover all the points they want covering in order to pay out. EG: was the insurance taken out for x, x, x purposes, any other questions they feel need answered and a small box for any other information that is relevant to the claim. Such as in my case where I renewed 4 months before I received the letter explaining I may be eligible for compensation.

    I had no idea about this and should have been informed of the change in terms when I renewed in June 2013. Paid £90 for 3 years cover and cannot get a penny back for the remainder of the term.

    In my eyes renewing in 2013 after their terms supposedly changed in 2011 could be seen as accepting their insurance on the old terms as well.

    I have been advised by them to explain in this box about this so they are expecting a little more than 1 line saying "I only took this card cover to protect against card fraud." Everyone's situation is very unique.
    • Moneyineptitude
    • By Moneyineptitude 15th Feb 14, 2:04 PM
    • 14,783 Posts
    • 6,219 Thanks
    Moneyineptitude
    It makes me wonder if they have done this on purpose as a way out of getting out of paying compensation to some people that are entitled
    Originally posted by inner_grace
    If you can't fit your reason for mis-sale in the space provided, then simply continue on a separate sheet!

    However, if you are actually detailing so much that it doesn't fit, then perhaps consider that what you are writing is not actually required?

    The typical mis-sell reasons are actually listed for you over the page. None of them are more than a few sentences long.
    Everyone's situation is very unique.
    Originally posted by inner_grace
    Hardly, that's why so many people will get a payout.

    Why not post what you want to say on the forum? Others will then tell you whether you could be more succinct and whether you are indeed "waffling"
  • mojo1891
    Cpp
    Have a look at the Paul Lewis money blog! It explains that in the letter are the reasons for mis-selling and you should copy at least one into the box asking why you wish to be considered for compensation.
    • PierremontQuaker03
    • By PierremontQuaker03 23rd Feb 14, 10:57 AM
    • 113 Posts
    • 13 Thanks
    PierremontQuaker03
    Surely the answer to this question is on the front of the compensation form, where is makes the two points about:
    (a) not needing the 100k of unauthorised transactions as the card issuer was responsible and
    (b) not needing the 5k cover of unauthorised transactions that occur before you inform CPP as your bank and card issuer would cover this.

    I am just going to write the above and believe I have been mis-sold on this basis.
    • aayush
    • By aayush 23rd Feb 14, 12:24 PM
    • 502 Posts
    • 19 Thanks
    aayush
    well I am waiting for my from and have also contacted my cc company for charges before 2005 , But have not forgotten of the account numbers re the cc involved will it make any difference and how do get the numbers to which this relates to
    • aayush
    • By aayush 23rd Feb 14, 12:34 PM
    • 502 Posts
    • 19 Thanks
    aayush
    Have a look at the Paul Lewis money blog! It explains that in the letter are the reasons for mis-selling and you should copy at least one into the box asking why you wish to be considered for compensation.
    Originally posted by mojo1891
    can you send me the link for the above blog please
    • Placida
    • By Placida 23rd Feb 14, 1:46 PM
    • 166 Posts
    • 121 Thanks
    Placida
    Paul Lewis Blog
    can you send me the link for the above blog please
    Originally posted by aayush
    Hi, think this is the link you want.


    http://paullewismoney.blogspot.co.uk/2013/08/cpp-compensation-how-to-claim.html
    Do not argue with an idiot they drag you down to their level and beat you with experience.” - Mark Twain?
  • endomum
    Cpp
    I've had loads of credit and store cards over the years. Don't always use them and have moved on from lots, cutting them up and throwing out the policy details. I've just received my CPP claim form and have no idea which card my claim might apply to. How do I find out or does it not matter?
  • Icesaver
    Surely the answer to this question is on the front of the compensation form, where is makes the two points about:
    (a) not needing the 100k of unauthorised transactions as the card issuer was responsible and
    (b) not needing the 5k cover of unauthorised transactions that occur before you inform CPP as your bank and card issuer would cover this.

    I am just going to write the above and believe I have been mis-sold on this basis.
    Originally posted by PierremontQuaker03
    Which are exactly the two reasons I have given. Fortunately I kept my original policy documents from 1997 when I took out the policy (@ £21 for 3 years!) so I could confirm the amounts quoted as they say in the letter that comes with the claim form these amounts varied depending on when the policy was sold, so you should check your policy details 'cos I'm sure they could use that as a get out if you put in the wrong amount for your case!!
    • Moneyineptitude
    • By Moneyineptitude 24th Feb 14, 11:17 AM
    • 14,783 Posts
    • 6,219 Thanks
    Moneyineptitude
    I'm sure they could use that as a get out if you put in the wrong amount for your case!!
    Originally posted by Icesaver
    No one will receive more (or less) than they actually paid, so it doesn't matter what amount you put on the form. You can put "unsure" and the payment will still be made.

    The form is not seeking to "trick" anyone out of redress. Do remember that the forms are sent to everyone who had CPP. All you have to do is convince them the policy was mis-sold, not provide proof that you had it or how much you paid.
  • civic1
    CPP Claim Form
    Like most people, I also received my claim form at the weekend. Can anyone advise how I find out what I have been paying eg "ID fraud protection" or "card protection"

    Thank you.
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