Reclaim CPP article discussion

Neo187

Hey,

recieved the claim form through last week. They are asking "Why you want to be considered for compensation"

What is the best way to word this so I do get compensation! I do recall years ago that I was told I needed this for my Barclaycard which is ridiculous!

davemidd

Neo187 wrote: »

Hey,

recieved the claim form through last week. They are asking "Why you want to be considered for compensation"

What is the best way to word this so I do get compensation! I do recall years ago that I was told I needed this for my Barclaycard which is ridiculous!

Read the letter they sent you; they give you a number of possible reasons for claiming compensation.
Also read the MSE article and pick the most appropriate reason - http://www.moneysavingexpert.com/reclaim/CPP-card-protection#help

hilspars

I have had CPP since 2008 when I had my handbag stolen in Spain. When I rang the bank from Spain it was strongly recommended that I take out the policy.
I am pretty sure I qualify for compensation but my question is what is the alternative. If the policy gets cancelled, what safeguards can I put in place to cover identity fraud etc which was my biggest worry at the time

neilvw

hilspars wrote: »

I have had CPP since 2008 when I had my handbag stolen in Spain. When I rang the bank from Spain it was strongly recommended that I take out the policy.
I am pretty sure I qualify for compensation but my question is what is the alternative. If the policy gets cancelled, what safeguards can I put in place to cover identity fraud etc which was my biggest worry at the time

On what basis would your claim for mis-selling be?

Was it card protection or identity protection that you had with CPP (or both?).

The main benefits of card-protection insurance are cancellation of all cards simultaneously with one phone call, and replacement of lost keys (and sometimes passports and driving licences). The pseudo-benefit was cover for fraud on stolen cards, which except in cases of customers' gross negligence is covered by the card issuers, apart from the first £50 of fraud committed before you report the card stolen.

Identity-protection insurance benefits include credit-file reports (available very cheaply or for free anyway) and alerts; and expenses, help and advice if you are a victim of identity theft.

You might want to read the MSE article on identity fraud:

http://www.moneysavingexpert.com/credit-cards/identity-fraud#ins

The author is emphatic that identity-protection insurance is rarely necessary for those who are not of high net worth.

Uniscots97

Neo187 wrote: »

Hey,

recieved the claim form through last week. They are asking "Why you want to be considered for compensation"

What is the best way to word this so I do get compensation! I do recall years ago that I was told I needed this for my Barclaycard which is ridiculous!

Thank you for asking this as I wondered the same thing. (My form finally turned up on Saturday).

[Deleted User]

Uniscots97 wrote: »

Thank you for asking this as I wondered the same thing. (My form finally turned up on Saturday).

If you read back through the thread just a few posts you will see the question answered comprehensively;

davemidd wrote: »

Read the letter they sent you; they give you a number of possible reasons for claiming compensation.
Also read the MSE article and pick the most appropriate reason - http://www.moneysavingexpert.com/reclaim/CPP-card-protection#help

Jackypat

Posted my claim form last week and just heard about black ink and capital letters. I know I didn't use capital letters and can't remember whether I used black ink. Will my claim be rejected?

[Deleted User]

Jackypat wrote: »

Posted my claim form last week and just heard about black ink and capital letters. I know I didn't use capital letters and can't remember whether I used black ink. Will my claim be rejected?

Obviously, it's better if you follow the instruction on how to complete the form. However, "spoiled" applications like yours will just have to be looked at by a person rather than scanned.
It will have no bearing on the validity of your complaint.

Jackypat

Thank you, I wondered if I would have to get another claim form

[Deleted User]

Jackypat wrote: »

Thank you, I wondered if I would have to get another claim form

Apparently, if you request another then it will only be sent at a much later date.
Everyone needs to focus on what they write on the complaint form-not how they write it..