Reclaim CPP article discussion

pete-20-11

tux900 wrote: »

...

On the basis of this success I would encourage anyone else who had a pre-2005 claim against HSBC rejected to raise it with the FOS for an independent view. Don't be put off by the pessimists claiming an 12-18 month lead time - mine was all done and dusted in less than 5 months and involved nothing more than a relatively straightforward completion of a claim form.

I've filled in the Ombudsman form for my HSBC CPP (1998-2005) tonight.

Didn't take long - especially as most of the work has already been done (e.g. include a copy of my letter to HSBC, a copy of the questionnaire sent to HSBC and a copy of their final response).

Will be interesting to see what happens.

The_Boss

Hi all

Apologies have not read any of this thread, but I've had a form from CPP but I have no idea what product this would have applied to

So I have no idea if it relates to :
Card protection
Identity protection
Other misselling

I don't even know which financial product it would have applied to (not a lender, I mean whether it was a credit card, car finance, mortgage application etc).

So what would I state on my form? From the article on the main site it seems that there's a template for specific scenarios.

If this has been previously discussed then apologies and please just direct me to the appropriate bit.

genieg63

Hi
I made a claim pre 2005 to barclaycard, only posted letter to them over a week ago and have already received a credit payment back onto my barclaycard visa of £336.14 on 21/8/14 which now means I have a plus balance on my account . Will be calling customer relations tomorrow to ask for payments to be transferred into my current account or to send me a cheque as I no longer use the card .
So anyone out there who had CPP before 2005 don't let the banks fob you off , I didn't receive a letter from CPP and when I called them they could not trace my policy number ,so I wrote directly to the bank and I had no evidence apart from the sticker and policy number inside my cheque book.

Good luck

jowie

Moneyineptitude wrote: »

Instead of forlornly asking on a discussion forum about personal financial details no one here has any access to, why don't you both call the scheme team directly and ask them?
The number is in the letter you have received, mentioned over and over in this thread and included in the MSE advice article.

The number is 08000 83 43 93.

The MSE advice article is here;
http://www.moneysavingexpert.com/reclaim/CPP-card-protection?_ga=1.131580173.340047350.1365283676


Remember that you only have until the 30th August to complain.

I wouldn't say forlornly unfortunately only just read this reply to my query. Thanks for the number, I'll call tomorrow. However, considering I only have 4 days to get the answers I need and apply for a new form, I think I've missed the boat...

jowie

WaxiesDargle wrote: »

I have trawled through the last few months of this thread and what I can gather from many posters is that they were in the same boat...they just filled in the template on here with no card details and waited for the postman to deliver a nice cheque...it appears that CPP have all your card details...just get the template written and jobs a good un

That's gotta be worth a try. Although I've probably had 10-20 credit cards and other accounts since 2005 and I only keep the last 7 years worth of statements. If I were to include all of them, it'd cost quite a bit in photocopy and postage costs, without knowing which ones related to the claim.

Does anyone have an example of a letter they have sent to CPP where they didn't include any account details, or statements? Surely not knowing means you can't have anything to legitimately complain about?

Anyhow, I'll call tomorrow, but from the sounds of it the phone lines are not responding now anyway. I guess it's worth a quick punt.

pete-20-11

The_Boss wrote: »

Hi all

Apologies have not read any of this thread, but I've had a form from CPP but I have no idea what product this would have applied to

So I have no idea if it relates to :
Card protection
Identity protection
Other misselling

I don't even know which financial product it would have applied to (not a lender, I mean whether it was a credit card, car finance, mortgage application etc).

So what would I state on my form? From the article on the main site it seems that there's a template for specific scenarios.

If this has been previously discussed then apologies and please just direct me to the appropriate bit.

It relates to a specific company - Card Protection Plan LTD (CPP) for card protection and/or identity protection policies.

They were sold via a number of banks, including:

CardGuard (offered by HSBC)

Card Protection Plus

Card Safe (offered by M&S Bank)

Barclaycard Card Protection

Barclays Cardholder Protection

NatWest Card Protection

Egg Emergency Cover

Card Protection Plus and Commercial Card Protection (these were sold by CPP and a number of its business partners).


There is a post-2005 redress scheme, but you may be too late now - the deadline for the form is 31st August.

There is also the option to complain to the individual company (e.g. HSBC/Barclays etc) for the pre-2005 part of any policies.

The_Boss

pete-20-11 wrote: »

It relates to a specific company - Card Protection Plan LTD (CPP) for card protection and/or identity protection policies.

They were sold via a number of banks, including:

CardGuard (offered by HSBC)

Card Protection Plus

Card Safe (offered by M&S Bank)

Barclaycard Card Protection

Barclays Cardholder Protection

NatWest Card Protection

Egg Emergency Cover

Card Protection Plus and Commercial Card Protection (these were sold by CPP and a number of its business partners).


There is a post-2005 redress scheme, but you may be too late now - the deadline for the form is 31st August.

There is also the option to complain to the individual company (e.g. HSBC/Barclays etc) for the pre-2005 part of any policies.

So what do I do not knowing which financial product I had that it applied to? I'm going to complete the CPP form and post by special delivery on Wednesday or Thursday so it is received on Friday.

A post 2005 claim wouldn't affect me since I definitely wouldn't have taken out any such product after 2004.

pete-20-11

MSE CPP

The_Boss wrote: »

So what do I do not knowing which financial product I had that it applied to? I'm going to complete the CPP form and post by special delivery on Wednesday or Thursday so it is received on Friday.

A post 2005 claim wouldn't affect me since I definitely wouldn't have taken out any such product after 2004.

Did you cancel the policy before 2005?

If so, you don't need to contact CPP.

If it was still live post 2005, you'll need to fill out CPP's questionnaire with your details, the product you had, the CPP reference/policy number etc.

See the link above for all the info
Can't seem to paste it here, it ended up at the top (using a mobile phone)...

The_Boss

pete-20-11 wrote: »

MSE CPP



Did you cancel the policy before 2005?

If so, you don't need to contact CPP.

If it was still live post 2005, you'll need to fill out CPP's questionnaire with your details, the product you had, the CPP reference/policy number etc.

See the link above for all the info
Can't seem to paste it here, it ended up at the top (using a mobile phone)...

That's the article I read before posting initially in this thread. I don't know what the product I had was as per previous posts.

pete-20-11

The_Boss wrote: »

That's the article I read before posting initially in this thread. I don't know what the product I had was as per previous posts.

It'll either be a policy to "protect you" in case you lost your cards, keys etc and inform your banks to arrange replacements.

Or it'll be identification fraud protection.

I believe thats the only cover being addressed. It isn't to do with illness, redundancy, etc cover - its just the two types above.


as for which bank etc, I guess only CPP can answer that seeing as they sent you a form, assuming you've not got the paperwork/bank statements etc.