Card Protection Plan Ltd

anselm_3

Hi, have any of you chaps got a CPP Ltd policy thru your credit company? I'm ashamed & embarrassed to admit I've been paying for one for 7 years & didnt give it a 2nd thought until Dec. Mint account arrived & the premium was included. I've been moneysaving since May 07 & cancelled several superfluous policies. Following fraught correspondence I closed the Mint account (didnt bother them, made me feel better) but CPP wont even cancel the policy let alone refund £35..can they do that when there isnt a card to protect? They say they sent a renewal notice! I cant remember receiving any notices up to 2006 but I can guarantee I never received one in 2007 'cos I would have bounced it immediatley. I'm trying to establish a pattern to this. Can anyone reassure me that my notice must have got lost in the post because theirs arrived in timely fashion? Anyone else had similar problems? Any advice to resolve this would be most welcome... a little sympathy might help too. kind regards to all readers

superscaper

Not sure what you can do, you can certainly cancel it but whether they refund you that £35 I'm not sure. Just stand your ground I suppose. I like you used to have a CPP policy and I cancelled it several years ago. They then kept pestering me for quite a while about the increase in ID fraud etc, really hard sell tactics. I told them point blank I wasn't interested and that I was already covered under a household policy (I'm not sure I was), they eventually got the message and haven't heard from them in quite a while. Nowadays I think I'd be a lot sterner and bring the data protection and telephone preference service stuff into it seeing as I'm technically no longer their customer.

Anyway you do have my sympathies. But considering these people usually have a clause to cancel their policy with you at any time I'm pretty sure you can do the same. Although with not getting the £35 back does it make a difference if you still have a policy (other than you'll maybe forget about the next automatic renewal)?

Alfie_E

It would probably be helpful to realise that your CPP policy wasn’t just for your Mint card. You can give them details of all your other credit and debit cards, your driving license, passport and potentially other things. You used to get key fobs and stickers with unique numbers on them. The key fobs had CPP’s address on them and told the finder to put the keys with fob in a postbox. I don’t know if that pleased Royal Mail, but I assumed CPP had an arrangement with them. It might be reassuring to think you can make one phone call from a foreign country and tell them your cards, passport, etc. have been stolen and they’ll help with sorting out the different problems this could cause.

What’s the length of your policy? £35 used to be the total amount for the most basic policy over a period of three years. If your policy covers more than one year, that would explain why you didn’t get a renewal letter each year. Just because you started off with a yearly policy doesn’t mean that’s what you’ve got now. CPP renewal letters to me always came offering a slightly different policy upon renewal.

If you’re part way through a multi-year policy and given you’re not going to get any refund, you might as well use it. Just make it clear, in writing, that, at the end of the current policy period, you don’t wish to renew.

SARAH570_2

I recently started a policy with Card Protection Plan CPP. I did it through my Dorothy Perkins store card. I was rang up at home to ask did I want to start a policy and the man I spoke to seemed convincing and with all the stuff in the press about ID theft I thought it was a good idea. The cost was £69.99 for 12 months, I now wonder if it was a waste of money and if I could get the cover much cheaper or if indeed I needed it at all. I haven't actually as yet paid the money as it is meant to show up on my Dorothy Perkins statement and it hasn't yet.

I did have a 14 days cooling off period which has now expired, I didn't cancel because I thought it was a good idea until started reading the information on this site.

Does anyone know if it is too late to cancel the policy without paying the money, or am I now commited to paying the money and going ahead with the policy.?

anselm_3

Hi. I cant recommend any action here although I understand from several sources that there are always cheaper and as effective policies out there. I can tell you that CPP agreed to cancel the policy and refund the premium to Mint so I'm happy with them. Just waiting for Mint now. Kind regards

C_Ronaldo

I tried to cancel mine a few years ago and was told i couldnt gte a refund, cancelled it once the year was up,

worddsman

anselm wrote: »

Hi. I cant recommend any action here although I understand from several sources that there are always cheaper and as effective policies out there. I can tell you that CPP agreed to cancel the policy and refund the premium to Mint so I'm happy with them. Just waiting for Mint now. Kind regards

as a matter of interest , are there cheaper card protection policies for uk users? a quick look on google brings up Sentinel and CCP wich are so similar they might as well be the same company. I could not find any others