Reclaim CPP article discussion

fish26

Hi Busylizzie, I contacted Marks and Spencer at the following address:
Marks and Spencer Bank,
Kings Meadow,
Chester,
CH99 9FB
telephone number-08459000900
You might be better contacting them by phone first as they sent me a form to fill out for my pre 2005 complaint. I don't know whether they were registered or not pre 2005 but they did look at my complaint and also sent me a leaflet for referring my complaint to the Financial Ombudsman. Good Luck!

fish26

U]QUOTE=Moneyineptitude;66744186[/U
Your "bank" was Marks & Spencer who were clearly NOT regulated prior to January 2005.

Why should it be so crystal clear to me or others that M &S Bank was not regulated prior to 2005?
When I originally complained to Marks and Spencer they sent me a form to fill in so that they could look into my complaint prior 2005.


Moneyineptitude quote -When you originally complained, M&S will have told you this and also given no permission for you to approach the Financial Ombudsman.

When they replied Marks & Spencer actually sent me a leaflet about the Ombudsman service and stated that if I was still unhappy I had six months to contact the FOS.

Moneyineptitude quote-The reason you have waited all this time is that you ignored what you were told and tried to refer your complaint to FOS regardless.


How presumptuous can you be? I did not " ignore" what I was told otherwise I would not have contacted the Financial Ombudsman as suggested by
M & S?

I am simply trying to find out some answers for myself and for other people in a similar position. I am just glad that some people can be helpful without having to be rude!

Busylizzie

fish26 wrote: »

Hi Busylizzie, I contacted Marks and Spencer at the following address:
Marks and Spencer Bank,
Kings Meadow,
Chester,
CH99 9FB
telephone number-08459000900
You might be better contacting them by phone first as they sent me a form to fill out for my pre 2005 complaint. I don't know whether they were registered or not pre 2005 but they did look at my complaint and also sent me a leaflet for referring my complaint to the Financial Ombudsman. Good Luck!

Thank you!

Brenda27

I thought the first letter from CPP was junk - that was a year ago. I then left the country and did not come back until April. I never thought anything more of it until a friend of mine received a cheque for nearly 700 pound two weeks ago. I asked her why she had got a cheque and she told me that she had been sent this letter, and then got some voting paper and a form to fill in - this would have been in the new year. She filled in the forms and never heard anything until she received the cheque. Very nice !! I phone the CPP and was told "Yes" I DID have a reference number and claim on record but as it was past 31st August I couldn't now claim. I told them I'd been out of the country and HAD NOT RECEIVED the subsequent forms to claim. I was told that I should have requested new forms, when I came back to England. Well, if I didn't know they'd been sent in the first place how would I have known I had to request replacements????


Its not fair. I was told that I was entitled to claim but it was now too late!!


I see on my two existing credit card statements, recently received (First Direct and Nat West) I am being charged over 4 pound for "card Protection" -


If the credit card companies KNOW they have taken money from me which I am SURE I would never have wanted if I'd known there was a choice why don't they just give it back. THEY have all the information - its dishonest !!


Being out of the country for 6 months in my case meant I did not get the forms and didn't now about them. I REALLY thought the original letter was a scam. Why send a letter saying we WILL send forms within the next 12 weeks - why didn't they just send the forms in the first place ?? Why did they make it sound like it was yet another annoying piece of junk in the first place.


I've had credit cards for donkeys years and think I must have been cheated on even back before the First Direct and Nat West cards, when my husband and I had Barclay cards.

[Deleted User]

fish26 wrote: »

Why should it be so crystal clear to me or others that M &S Bank was not regulated prior to 2005?

Precisely because they should have told you this when they rejected your complaint on that basis and didn't include FOS details in your "Full and Final" response. You gave the impression that you had attempted to refer to FOS because you "looked it up on the internet". Your other posts were also contradictory.

fish26 wrote: »

When I originally complained to Marks and Spencer they sent me a form to fill in so that they could look into my complaint prior 2005.

Of course they would consider your complaint, why wouldn't they?

fish26 wrote: »

When they replied Marks & Spencer actually sent me a leaflet about the Ombudsman service and stated that if I was still unhappy I had six months to contact the FOS.

Ah, that explains it, they obviously sent a form letter and didn't bother to tell you that you had no access to FOS.

fish26 wrote: »

I am simply trying to find out some answers for myself and for other people in a similar position. !

Your complaint was over months ago, I'm afraid. Details at post #2005.

fish26 wrote: »

I don't know whether they were registered or not pre 2005 but they did look at my complaint and also sent me a leaflet for referring my complaint to the Financial Ombudsman.

I don't know whether they were "registered" either. However, they certainly weren't regulated until January 2005 and can reject complaints purely on that basis.

fish26 wrote: »

Good luck

…….

SweetRosa

Hi Everyone
I'm new to this forum and I'm not sure if it's the right place to ask this question, but I hope someone can help me.

I filled in a CCP claim form in August 2014 and duly posted it in the prepaid envolpe supplied. This was posted before the expiry date of 30 August 2014.

I believe I should have had a reply back within 3 weeks from receipt, but to date I have not had any acknowledgement from them.

Does anyone know the best way forward from here.

Any replies to this query would be greatly appreciated.

Kindest regards

[Deleted User]

SweetRosa wrote: »

I believe I should have had a reply back within 3 weeks from receipt, but to date I have not had any acknowledgement from them.

They had up to 14 weeks to respond. If your complaint is lost, however, you'll find it very difficult to re-apply as the refund scheme is now closed.

fish26

Moneyineptitude -Precisely because they should have told you this when they rejected your complaint on that basis and didn't include FOS details in your "Full and Final" response.

Sorry to inform you that you are wrong again, just as you wrongly stated that they were not regulated prior to January 2005, just as you wrongly stated that M & S would have told me that they were not regulated prior to this date and just as you wrongly stated that M & S would have "given no permission to approach the FOS".
M & S should have perhaps told me about not being regulated...but they didn't.


You gave the impression that you had attempted to refer to FOS because you "looked it up on the internet". Your other posts were also contradictory.

I did look up on this site and found some helpful information regarding writing directly to banks for pre-2005 cpp complaints. I then used the information to write a letter to M & S outlining my complaint. They replied asking me to complete a complaint form which I did. When my complaint was rejected I then looked on this site for advice about taking my complaint to the FOS. Like many other people I looked at the internet for advice on how to proceed as well as writing to M & S Bank and FOS.


Ah, that explains it, they obviously sent a form letter and didn't bother to tell you that you had no access to FOS.

Possibly it was a form letter but it did address all the areas I had raised in my letter and complaint form. No they didn't bother to tell me that I had no access to FOS.


Your complaint was over months ago, I'm afraid. Details at post #2005.
Yes but unfortunately I was not aware that they were not regulated in the 1990's when I took the insurance out-why should I have been?


I don't know whether they were "registered" either. However, they certainly weren't regulated until January 2005 and can reject complaints purely on that basis.

Sorry-I made a mistake I meant to write regulated. Perhaps you should check your information about when M & S were not regulated?

[Deleted User]

fish26 wrote: »

Sorry to inform you that you are wrong again,

Well, I've been wrong before.:D
Good luck with advancing your complaint any further.

Here's some information (which I looked up on the internet )about general insurance sales only becoming regulated in January 2005.
http://www.theguardian.com/business/2005/jan/14/money.watchdogs
EDIT ;
Marks & Spencer were not part of the previous regulatory body the General Insurance Standards Council (GISC) until 2001 and were not regulated by the FSA prior to January 2005.
EDIT

frugalsal

For anybody whose bank/insurer was not part of the CPP redress scheme

I'm hoping this might help some people. I was not part of the CPP redress scheme because my policy was through Columbus Direct (not one of the banks that took part in the scheme).

I contacted Columbus via its email complaints scheme and received an email reply back saying that neither Columbus nor CPP could consider compensation. However they must have forwarded my complaint email to CPP because I subsequently received a letter from CPP saying they were looking into it.

Anyway the upshot is that CPP has upheld the mis-selling aspect of my complaint (post 07 January 2004) and is paying me £160.18.

So...if your bank/insurance company etc was not part of the redress scheme it is still worth pursuing if you believe you were mis-sold. And, because this is not the redress scheme, the deadline of August 31st does not apply and complaints go via CPP's normal complaints department.