Reclaim CPP article discussion

Mat_Lock

I filled out a claim form and sent it back. I guess all I can do is wait now.

Still no idea what cards this was for but oh well I got the letters.

fish26

Hi,
I have sent off my claim form to CPP for insurance claims post 2005. I have also contacted Marks and Spencer regarding my insurance with them through Card Safe from 1992-2005.
I was asked to fill in their questionnaire and they said they would contact me.
Today I received a reply stating that they were unable to uphold my complaint. Some of the reasons given were:

I had 14 days cooling off time to cancel ( I did telephone what I thought was Marks and Spencer's and was persuaded that I needed the insurance otherwise I would be liable if my cards were lost/stolen)The cooling off time is now 60 days.

The insurance covered me for up to £50 per card prior to notification and any amounts that I am held liable for up to a total of £1000 (thought I was already covered by my bank?)

That the £100,000 to cover transactions after notification of card loss had been removed-they were never needed anyway?

That CPP had overstated the fraud benefit after 2005 but when I took out the insurance in 1992 through Marks and Spencer Money the literature was clear, fair and not misleading??

I must admit the insurance did also cover emergency cash advances, replace travel tickets. passports, driving license and replace locks and keys.

However, I am going to contact the Ombudsman as I feel that Marks and Spencer introduced me to CPP products and their misleading insurance cover and should share responsibility for putting things right.

I will keep you informed of what happens!

doobyden

I'm just pondering over my CPP claim form, and looking at the template statement on the site. I can't actually remember taking out the CP plan, I was completely surprised to get a letter! Can I still claim if I can't remember? I'm guessing I can't, legitimately...

davemidd

doobyden wrote: »

I'm just pondering over my CPP claim form, and looking at the template statement on the site. I can't actually remember taking out the CP plan, I was completely surprised to get a letter! Can I still claim if I can't remember? I'm guessing I can't, legitimately...

Are you expecting somebody to tell you do something illegal and/or immoral?

If you wish to claim that you were mis-sold the insurance, you must know that you had it. Not knowing you had the insurance is not a valid reason for claiming it was mis-sold.

(I hope your forum username is not something like your surname, otherwise CPP, who almost certainly monitor forums like these will flag this up on your account straight away!)

KittyHawk

You think his surname is 'something like' *doobyden*? What, pray?

[Deleted User]

KittyHawk wrote: »

You think his surname is 'something like' *doobyden*? What, pray?

Dennis Dooby, perhaps?:D

veryintrigued

Is there a way of rating threads as the most depressing on this forum?

davemidd

Moneyineptitude wrote: »

Dennis Dooby, perhaps?:D

I think these would be more likely to have a valid claim on life insurance rather than card protection

NAME: Dennis Dooby
BIRTH: abt 1855 - Ireland
RESIDENCE: 1880 - Louisville, Jefferson, Kentucky
1850 United States Federal Census

NAME: Dennis Dooby
BIRTH: abt 1818 - location
RESIDENCE: 1850 - city, Middlesex, Massachusetts
1891 England Census

NAME: Dennis Dooby
SPOUSE: Annie Dooby
BIRTH: abt 1847 - Ireland
RESIDENCE: 1891 - city, London, England

davemidd

veryintrigued wrote: »

Is there a way of rating threads as the most depressing on this forum?

Yep, there sure is; with your feet.

veryintrigued

davemidd wrote: »

Yep, there sure is; with your feet.

Can I put a claim in for that?