Natwest and CPP scam

Louisdf

This happened to me when I activated a natwest credit card. OP, how soon did the direct debit occur?

geordie1976

ok this is a re post for the people who lost the will to live after reading it before
hi guys well i'd like to start off by saying i used to work for cpp in sales and if any of you ever called me directly im very sorry lol just to put a few things straight about cpp and what they do and etc,

ok cpp mainly is a card protection and identy protection company but their their other main role is to safe recipt card and activate cards, activation is a must on your bank card otherwise it won't work, if it say ' call to safe recipt your card' this means very little really you can use your safe recipt card from when it becomes valid , which is stated on the card, also banks liek you to do this for security, when you call them you should only speak to one person, but you will speak to a machine first which you give ur card number to then you will be passed onto a sales rep who will ask you questions and we can select what we want to ask you, bear in mind all the questions we ask you are already on the screen for example it may say your birthday is 24/ 11/ 1965 on our screen and we will ask you for your birthday and comfirm you are the correct person, unless your card is an activation card and thats when we are given specific questions to ask you, this is actual proper security.

now once either your card has been safe recipted or it has been activated the sales rep will then go for 'permissin to market' this is were they will say ' i can no confirm the activation/safe reipt of your card ad there is one other mater i would like to discuss with you, whe have been asked by - insert bank name- to tell you about the protection that we at cpp offer to help prevent you from becoming a victim of identity theft/card fruad (now here is the interesting bit they may say 'ok' which your automatic reaction is to say ok or they may go 'is that ok' which is were most people say NO), this is the permission to market , and you MUST get permission to market before going into a sales pitch if you say no however they will then say 'ok i can appriciate that not many people do realise how they may be at risk is it ok if you just take a few minutes to explain what those risks are and how the protection we offer can assist?' if you say yes they can go into the pitch if you say no they cannot go into the pitch if they do and then get a sale this can mean the sale could be canceled if the call is picked up or the customer complains.

so basicially say no twice and they should leave you alone, no the other thing is the facts that they will give you we all have fact sheets which get updated every month or so these facts always lean in favour of cpp , saying identy fraud is on the increase blah blah blah , however if you go onto the bbc website you may find differently, so they will real through their script until they end when they will say, 'so should we set that up for you on that basis or somthing similar depending on the person and how they have altered their script. if you say yes they will take you to through the 'wrap' if no then they will objection handle you and trust me they can handle alot of questions, your only supposed to handle 3 objections if your dealing with a certain banks customers, however if these objections are possed as a question then you can handle as many as possible.

once into the wrap you get to all the legal stuff, there is no signing on any dotted thing the customer agrees to the policy over the phone and THAT IS IT, before you agree however yo will be asked a few question ' i just want to check your over 18? and that your a resident in the uk? and you dont have an existing cover like this in place?' they will then say how much you have agreed to pay ' so the total of £35 will be debited from you so so account in or around the next 10 days but this will apear on you next or even you subsequent statement, so can i set the policy up for you on that basis? if you say yes the policy is put through no account details are taken off you as they are passed on from the bank to cpp unless teh system has crashed and they will ask for your info, once that little button on their screen is pressed there is o going back , you should also recieve a text message pretty much immediatly if your taking out id protection, they will then run through a few mor things with you such as giving you your policy number and/or your user name, your are then passed onto a recorded message which 'tells you inportant information about your policy so please listen carefully' after that everything is sent out in the post, alot of the time htough people assume the stuff which is sent out is their contract which has to be signed and sent back but oh no its nots its a piece of paper saying hey you've got a policy blah blah, by saying 'yes' when they ask you if you can set up the policy on that basis you are agreeing to the contract which is totaly legal, as they have gained your permission twwice so far to set it up amd you have agreed to the security questions as well, so there is no way out unless the rep has not mentioned something, but as a customer you wouldn't know that anyways,

so there you have it that is the whole mess but just to change the tone slighty which i will probably get shouted at for, the prodcuts they sell aren't that bad, you do get alot for your money and if it something you are worried about it is a good idea to take it out they are not the cheapest, as sentinal are the cheapest but they do give you more bang for your buck compaired to sentinal, i annoyingly took out he policy when i left cpp just cos i have 2 young daughters ho constantly loose their bags with all their keys and cards in and cpp have replaced them 3 times since i have had the policy and i have not had to pay anymore than what i paid for the first time, so the products aren't bad nd the majority of the people aren't bad either will in tamworth there tnot that bad i dn't know about the other sites lol but people do not realise the pressure they are put under by their bosses so please try and take it easy on them when you get through to them next time but just don't take any crap from them either lol, hope this has been helpfull, if anyone has anyother questions don't hesitate to ask

geordie1976

Louisdf wrote: »

This happened to me when I activated a natwest credit card. OP, how soon did the direct debit occur?

the direct debit is usually around the 15th of the month

geordie1976

dacouch wrote: »

I would add that as it is an Insurance product you can back out, you have 14 days from the date you RECEIVE the policy documents, some Insurers (I'm not sure if CPP do) will make an admin charge for cancelling it.QUOTE]

there is a cooling off period and it is as far as i rmember 21 days from when u agree, when i said 'thats it' about it being finished i was mearly meaning thats theres nothing else for you to do or saign anything like that , as long as you cancel within the cooling off period you will not be charged anything but agter that you cannot get your money back on id protection unless it has been missold in some way,

card protection can be changed, if you take out a 3 yr policy and want to cancel within the first year they can drop the policy down to a 1 yr policy and u get debited with the balance

ajkltd

I got my natwest credit card statement and saw that I had been billed £36.99 for a card protection policy (cpp) which I did not accept or authorise.

So I phoned up the stolen card dept and said someone had stolen that money by using my natwest credit card details.

They said they would cancel my credit card and send me a new one and tried to transfer me to the natwest card protection dept (who were the people who stole the money) so that I could cancel the CPP and get a refund.

I said no I don't want to speak to them and that if someone steals my card details from a shop then I shouldn't have to go back to the shop and say please refund the money you stole from my credit card!

In the end after a lot of arguments and different depts they transferred me to their credit card fraud dept.

I said some had stolen that money from my credit card and i want them sacked or prosecuted... they gave a nervous laugh and said they would investigate the case and refund me the £36.99, but couldn't give me an update of what would happen with the fraud case

Beware and check your statements.

TanyaSaver

Sol00 wrote: »

Hi Redlion

Well it's obvious they've listened to the call and realised the advisor had put the sale through when they shouldn't have.

Are you going to complain to the Assistant Manager?

I understand the issues you've raised, however, the bank would use a verbal agreement over the phone as acceptance of the policy and pass the details to the insurer (CPP). I don't see a problem with this, as long as the customer actually agrees to it of course.

Hope you get some sincere apologies from them. Keep us posted.

Same thing has happened to me with HSBC...just seen a fee of £40 debited off my bank account today without my consent

TanyaSaver

Hi, just noted similar...£40 direct debit from my HSBC bank account made to CPP ltd today. I had not agreed to this! Going to call bank now and complain!

Morglin

This happened to us via an activation of a NatWest credit card but I do have to say that once I realised, and complained, the monies taken were refunded fairly quickly.

Have no problems with NatWest (as a bank), but I wish they would stop trying to work this product on people by stealth.:mad:

I don't want to use CPP for anything, as I've never read much good about the service.

Lin

peter_the_piper

One question springs to mind, "what happens if you don't activate the card". I get the impression that the activation process is purely to flog insurance and nothing to do with the card as such. Am I wrong here and would the card self destruct if you did not activate?

PS. seeing the post from CPP, did they get MSE permission to post as the company or is permission not needed?

pmduk

Permission is needed and if/when granted, the poster's profile shows this. Obviously they consider themselves above any rules. Certainly MSE doesn't allow an individual's contact details to be posted.