Reclaim CPP article discussion

fozmcfc

Sending mine off today.

I said that my bank provides adequate cover against account fraud and therefore I didn't need it and I hadn't used any of benefits it may give and never registered any cards etc with them.

I don't even remember signing up for it. I've a feeling it was added to my Natwest account, during my activation of my card some 13 years ago.

I did write to them to cancel it and hadn't received a reply either.

I believe that if you make a claim, the policy is cancelled anyway.

I'll let people know how I get on, when I receive their response.

burgesst

I am exectutor for a relative who passed away December 2013. He's had the CPP letter, and I know its possible to claim, but can I, given I've no idea if it was actually mis-sold ?

davemidd

burgesst wrote: »

I am exectutor for a relative who passed away December 2013. He's had the CPP letter, and I know its possible to claim, but can I, given I've no idea if it was actually mis-sold ?

If you're asking an ethical question, the answer would be no. You cannot claim as you do not know if the policy was mis-sold or not. Remember that just because CPP were found guilty of mis-selling products, it doesn't necessarily mean that all products that were sold, were mis-sold.

purplefurryshoes

Hi,

I received a letter from CPP about the fact that I may be entitled to compensation.

However, while I do remember having a policy in the past (because I remember learning from the mistake and refusing to get one again) I can't for the life of me remember which card it was associated with and whichever card it was I closed down and no longer have any paperwork for.

Can I ask CPP to tell me the details? Or does it not matter? Can I just use one of the templates on the MoneySaving site without really knowing the detail of which card it's related to?

Thanks!

neilvw

davemidd wrote: »

If you're asking an ethical question, the answer would be no. You cannot claim as you do not know if the policy was mis-sold or not. Remember that just because CPP were found guilty of mis-selling products, it doesn't necessarily mean that all products that were sold, were mis-sold.

Do you think it would be worth Executors in this position asking CPP or the bank for their records of the sale process, e.g. a recorded telephone call, if it exists? A long shot perhaps but one way the Executor could gather evidence?

neilvw

purplefurryshoes wrote: »

Hi,

I received a letter from CPP about the fact that I may be entitled to compensation.

However, while I do remember having a policy in the past (because I remember learning from the mistake and refusing to get one again) I can't for the life of me remember which card it was associated with and whichever card it was I closed down and no longer have any paperwork for.

Can I ask CPP to tell me the details? Or does it not matter? Can I just use one of the templates on the MoneySaving site without really knowing the detail of which card it's related to?

Thanks!

I rang the freephone number on the letter and they told me the bank involved and the period I held the policy.

[Deleted User]

neilvw wrote: »

Do you think it would be worth Executors in this position asking CPP or the bank for their records of the sale process, e.g. a recorded telephone call, if it exists? A long shot perhaps but one way the Executor could gather evidence?

Sales process wouldn't help because there would be no one to dispute that these weren't followed. As for telephone recordings, I doubt these would be any use even if they were available.

franklyspeaking2

Thanks for CPP info. I have already filled the form in (23/02/14) and put my reply as :-
"I understand that I was miss-sold the policy originally."

Will this be considered acceptable or will I lose out?

Thanks,

Howard :o:(

davemidd

franklyspeaking2 wrote: »

Thanks for CPP info. I have already filled the form in (23/02/14) and put my reply as :-
"I understand that I was miss-sold the policy originally."

Will this be considered acceptable or will I lose out?

Thanks,

Howard :o:(

Lose out? It's not a game show. They want to know the reasons why you think you were mis-sold, not why you think you should get compensation.

Read the letter they sent you; it gives at least two examples and the MSE article gives several others.

[Deleted User]

franklyspeaking2 wrote: »

I have already filled the form in (23/02/14) and put my reply as :-
"I understand that I was miss-sold the policy originally."

Your response only indicates that you have NOT understood at all. You need to have valid mis-selling reasons, if you haven't put any such reasons, then how can you expect them to find in your favour?