Reclaim CPP article discussion

[Deleted User]

You are far too late, the CPP refund scheme ended more than eighteen months ago.

Pooley08

HSBC have agreed to refund my payments pre January 2005. However before they issue the cheque they require me to provide essential identification which they require to be signed by a doctor, solicitor, MP etc. All of these will require payment. How have any of you overcome this obstacle without paying somebody?

engineertony

I finally decide to answer one of those calls about PPI misselling.
A firm call U Legal from Wales sounded quite sincere and asked for more details and gave me a reference on the https://www.gov.uk site with a reference which showed them to be approved by some government regulator.

The only document I can find is from Credit Card Sentinel, 250 High Street Croydon, Surrey in 1989 showing a list of cards that were to be protected. I did have correspondence from CCP and the little stickers but no sign of them now in 2016.
As it's so old it seems like a lot of work to contact card firms that may no longer exist or have changed to something else so I'm going with the PPI reclaim company.

I'll report on any activity or success on this thread which might help others to do the same.

[Deleted User]

engineertony wrote: »

I'm going with the PPI reclaim company.

Any successful complaint redress will therefore be reduced by fully a third (plus VAT) and all the firm will do is put a stamp on the envelope which contains your complaint.

Do it yourself. The complaint process is simple and free.

Having said that, if all you have is CPP then you are already eighteen months too late...

Mersey_2

www.moneysavingexpert.com/reclaim/CPP-card-protection for CPP before 2005.

LucyCleeve

Hi
Did you have any luck with this? I've got the same issue of cheque expiring and they've said they won't reissue the cheque.

Thanks in advance

[Deleted User]

LucyCleeve wrote: »

I've got the same issue of cheque expiring and they've said they won't reissue the cheque.

No reported successes in this thread of anyone having expired cheques re-issued.
Here's the official reasoning behind this;

FORMER_CPP_REFUND_SCHEME wrote:

Section 5.10 of the High Court's Scheme Arrangement:

Any cheque not encashed within six months shall be cancelled and the Scheme Claim to which it relates shall be deemed to have expired and such Scheme Creditor shall not receive any Redress and shall have no right of recourse to the Dispute Resolution Procedure. (Can be found here: http://cppredressscheme.co.uk/Scheme_Document.pdf)

contribute

Hi all.

Have an old CPP card protection policy which dates from 2003. Has anyone had any luck writing to their bank as per the MSE article?

Feel quite silly for both having had the policy so long and not knowing about the redress scheme.

[Deleted User]

contribute wrote: »

Has anyone had any luck writing to their bank as per the MSE article?

Post # 2153 from May;

Pooley08 wrote: »

HSBC have agreed to refund my payments pre January 2005.

contribute

Moneyineptitude wrote: »

Post # 2153 from May;

Lovely, thanks for that.

I wonder if he used the redress scheme to claim for the post 2005 years. Hopefully HSBC will agree to the whole lot. Worth a try.