Reclaim Sentinel Card Protection article discussion

MartinP1966

I believe I took out my Sentinel product through NatWest. I no longer have any paperwork, but the AI helpline has provided me with full details of the dates the product was held and the premiums I paid. Their records show that the provider was RBS (NatWest's parent).

To claim for pre-2005 compensation should I contact RBS or NatWest? (Not sure if it makes any difference). And will I be able to do this without any paperwork? Has anyone successfully claimed from RBS?

Many thanks!

KevinG

http://www.moneysavingexpert.com/credit-cards/Sentinel-Affinion-card-protection again.

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Reclaiming for older AI Scheme products where you won't have been sent a letter

decnette

Hi I have been paying for Sentinel protection annually since 1998. I was advised to buy it through Debenhams when I got their credit card for the first time. I see you can only claim from 2005...why is this? Can I claim from 1998? I phoned the A1 help line and they said I had had it through Lloyds from 11.12.1998. I am assuming Lloyds issued it for Debenhams? I am not a Lloyds customer so how do I contact them? thank you

KevinG

If you read the last few posts on this thread you should get the answers you need.

Gram_Parsons

I got £152 today. A bit more than I was expecting as I have long since threw all the paperwork out so wasn't sure how long I had the cover. I was guessing I might get £50-£100.

I used template two word for word and posted the form on 12 Sept.

AgentWD40

Astounded to get a cheque today for almost £420 - a lot more than I was expecting. And maybe more to come direct from Barclays for 1998 to 2005.

And to think I almost threw away the original AI Scheme letter! However, a quick Google found this thread.

Thanks to MSE for the advice etc.

Robert_Parker_2

I have the same question did you get and answer?

FunkyD

Hi All,

I have been reading this forum since I received the claim form and saw Martin talking about it on GMB (Good Morning Britain) a good few weeks ago. Like everybody - I have had a couple of questions which, having now having successfully received my cheque today, I can answer and I hope it helps more of you out there, so here goes:

Q1) Which template do I use?
A1) I read that if you rang AI from the number on the letter, they would tell you which cover you had and therefore you could choose the correct template from the two that Martin had prepared. AI couldn't (or wouldn't) tell me what cover I had had, but could only confirm the dates I had the product which, in my case, was from 2007 to 2013 (2013 is when the cover was removed from the Sentinel product for everyone) for a Capital One Card I had. So all I wrote was this (and it worked):

"The product said it'd cover me for any unauthorised transactions if my card was lost or stolen. I didn't need this element of the product’s cover because my bank/card issuer (delete as appropriate) covers me for any transactions that may be made frauduently."

Q2) How long does it take to hear back about my claim?
A2) I posted my claim form with the above written in it on September 11th and I got my cheque today (October 8th), so just under 4 weeks - although I have heard/read others getting theirs back quicker.

Q3) How much will I get?
A3) Tricky this one - but I think the general rule of thumb is you get back whatever you paid into the scheme plus 8% interest for
every year the period your product ran for. Please don't take this as concrete - as there is an official wording that, to me, is a
little confusing, but this is what my letter states: "Gross interest is calculated as interest on payments made since 14th January
2005 at 8% simple per annum (calculated from the date of payment to the date falling 6 weeks after the Scheme Effective Date (28th September 2015) less interest on payments received since 14th January 2005 at 8% simple per annum (calculated from the date of payment to the date falling 6 weeks after the Scheme Effective Date (28th September 2015)." For those cleverer than me - that might explain it more fully. Now as with anything in this country - you do have to pay tax on what you get - which the letter states is "Tax deducted on interest at 20%". So even though you get some interest on what you paid in - you lose 20% of it to the Tax Man. So all in all - I received a little over £238! - which was more than I was expecting. :-)

Q4) What do I do for claims prior to 2005?
A4) This didn't apply to me, but I believe you contact whoever you paid the cover with directly and looking at other posts - it seems
to be quite a successful and worthwhile process if you stick with it.

Q5) I have no idea what dates I paid into the AI Scheme - what do I do?
A5) Ring Sentinel on the number on the top of the letter - they can - and should tell you. It doesn't matter too much as they will
calculate what they owe you from 2005 (or whenever you started paying into Sentinel) to 2013 once you return the form.

I hope this helps answer a few questions and good luck with getting your hard earned cash back. Thanks again to Martin and MSE for the advice and tomorrow I'm depositing my cheque into my account with a smile on my face! Happy Days!!

gardenerjohn

Just joined the forum so trying hard to catch up. My query relates to the cancellation of any existing policy which apparently occurs in the event of a claim. I have one (no doubt with no extra insurance) which was only renewed in July this year at a cost of £90 for 3 years. If I claim will I lose all that or, on cancellation, can I expect a rebate?

20aday

Managed to get £37 back yesterday.