Card Protection Plans

Halifax_sux

For years i had a Card Protection Plan. I have a feeling it was called "CPC" ... but i'm old, so what do i know/remember. I can't remember the bank, although it would most likely have been either RBS or First Direct.
Obviously, i have no paperwork, account numbers, or anything else.
BTW, this would have been in the 1980's - maybe even the 1970's.
Would i need to be the world's biggest optimist to think there might still be records somewhere?
p.s.
I do still bank with both RBS & First Direct if that "helps".

[Deleted User]

Again, time to put it to one side and move on with life.

By the way, First Direct didn't exist until 1992, so a 1970's mis selling complaint would be somewhat dubious even by today's standards of dubious complaints!

societys_child

Deleted_User wrote: »

. . . a 1970's mis selling complaint would be somewhat dubious even by today's standards of dubious complaints!

Nearly 50 years, wow . . . :rotfl:

[Deleted User]

societys_child wrote: »

Nearly 50 years, wow . . . :rotfl:

"Arnuld" entreating everyone to check their cupboards for old finance is obviously working too well as we approach the end of PPI complaints.

I agree this really is desperately scraping the very bottom of an empty barrel.

Nasqueron

If you still bank with them, there's no reason to assume they won't still have records but PPI was not really sold until the late 80s / early 90s and the miss-selling only really started in the 90s.



Quite probable though the Card Protection Plan was CPP (a sort of fraud protection measure, which was largely worthless)


How were you going to prove you were miss-sold something 40+ years ago? It'll most likely be long time barred anyway

The_squirrell

Nasqueron wrote: »

If you still bank with them, there's no reason to assume they won't still have records but PPI was not really sold until the late 80s / early 90s and the miss-selling only really started in the 90s.

If you still bank with them and it is the same account that was opened back in the day, it is very likely that records will still exist. If the accounts are different to those that were originally opened i.e you have closed accounts and opened new ones with different numbers, then the records for any closed accounts will probably not exist even though you are still a customer. ( It depends on their retention periods)


Hopefully that makes sense???:rotfl:

[Deleted User]

The_squirrell wrote: »

If you still bank with them and it is the same account that was opened back in the day, it is very likely that records will still exist. If the accounts are different to those that were originally opened i.e you have closed accounts and opened new ones with different numbers, then the records for any closed accounts will probably not exist even though you are still a customer. ( It depends on their retention periods)

Yes, I think it it goes without saying that only old accounts which are still open today will still have records going back decades. It's hardly very likely First Direct will have anything since they didn't exist in the 1970's and 1980's.The OP should direct any enquiries therefore to RBS, but expect nothing and he won't be disappointed.

Owlman45

CPP is a card insurance policy that covers for loss of cards and keys plus cash (I have used it once in 27 years) so nothing to do with PPI claims.

Hope this helps.

[Deleted User]

Owlman45 wrote: »

CPP is a card insurance policy that covers for loss of cards and keys plus cash (I have used it once in 27 years) so nothing to do with PPI claims.

It's still possible to complain to the Bank that the policy was mis-sold, though the post 2005 refund scheme was closed some years ago. This is the reclaim PPI and other insurance board after all...

Halifax_sux

I'll give it a go.


Thank you everyone for your time.

Halifax_sux

The_squirrell wrote: »

Nasqueron wrote: »

If you still bank with them, there's no reason to assume they won't still have records but PPI was not really sold until the late 80s / early 90s and the miss-selling only really started in the 90s.

If you still bank with them and it is the same account that was opened back in the day, it is very likely that records will still exist. If the accounts are different to those that were originally opened i.e you have closed accounts and opened new ones with different numbers, then the records for any closed accounts will probably not exist even though you are still a customer. ( It depends on their retention periods)


Hopefully that makes sense???:rotfl:

It makes great sense, thanks "squirrell".


Let me add, my first proper bank account was with Midland. Then came RBS (Williams & Glyn's). When First Direct was formed on 1 October 1989 (according to Wikipedia), as i was still a Midland Bank customer, i joined them too as online banking was better for me.


Now for the why ...
Banks put millions, well billions, aside for "contingencies", clearly this reduces their tax bills. I've ever noticed them saying "we didn't spend all of it, so let's pay the tax we would have paid". I have seen them say "we need to pay huge bonuses" - even when they've made a town halls of something.


So i'm only helping the banks meet their expectations.


Thanks again everyone for your time, your help, your views.