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  • FIRST POST
    • MSE Amy
    • By MSE Amy 18th Sep 15, 10:09 AM
    • 28Posts
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    MSE Amy
    Sentinel (AI Scheme) compensation help guide
    • #1
    • 18th Sep 15, 10:09 AM
    Sentinel (AI Scheme) compensation help guide 18th Sep 15 at 10:09 AM

    Click reply below to discuss. If you havenít already, join the forum to reply. If you arenít sure how it all works, read our New to Forum? Intro Guide.
Page 1
    • trainor
    • By trainor 18th Sep 15, 1:15 PM
    • 1 Posts
    • 34 Thanks
    trainor
    • #2
    • 18th Sep 15, 1:15 PM
    • #2
    • 18th Sep 15, 1:15 PM
    My father has received his card security product compensation claim form. He doesn't remember taking out the product, but assumes he must have. He doesn't know if his cover was for £5000 or £100000. Is this important in relation to section B of claim form? I.E could it affect his claim?
    • donny-gal
    • By donny-gal 19th Sep 15, 1:48 PM
    • 4,599 Posts
    • 38,150 Thanks
    donny-gal
    • #3
    • 19th Sep 15, 1:48 PM
    • #3
    • 19th Sep 15, 1:48 PM
    I am wondering about the earlier years. We had a Barclaycard from the early 1970's, and feel sure we had this cover for much of the time, from Sentinel, which we have sent off the claim form. Will the Sentinel one go back to our original time of taking it out?
    Member #8 of the SKI-ers Club
    Why is it I have less time now I am retired then when I worked?
    • tillymint
    • By tillymint 20th Sep 15, 9:18 AM
    • 160 Posts
    • 305 Thanks
    tillymint
    • #4
    • 20th Sep 15, 9:18 AM
    • #4
    • 20th Sep 15, 9:18 AM
    My father has received his card security product compensation claim form. He doesn't remember taking out the product, but assumes he must have. He doesn't know if his cover was for £5000 or £100000. Is this important in relation to section B of claim form? I.E could it affect his claim?
    Originally posted by trainor

    Hubby received a letter too, he isn't sure either what he was covered for. Does he write on the form that it was either the £5000 or £100000 or has he got to be specific?
    • Repeat3Times
    • By Repeat3Times 20th Sep 15, 10:56 AM
    • 63 Posts
    • 19 Thanks
    Repeat3Times
    • #5
    • 20th Sep 15, 10:56 AM
    • #5
    • 20th Sep 15, 10:56 AM
    Same theme of which of the £5000/£100,000 templates applies to my case - I'm filling the form out for my mother and already know that she remembers vaguely having the product in the first place. Any guidance appreciated!
    • JooleyP
    • By JooleyP 21st Sep 15, 10:13 AM
    • 1 Posts
    • 5 Thanks
    JooleyP
    • #6
    • 21st Sep 15, 10:13 AM
    • #6
    • 21st Sep 15, 10:13 AM
    As above, I have no recollection of having the product, on which card and for how much. I am unsure how to complete the claim form.
    • sealdriver
    • By sealdriver 21st Sep 15, 1:37 PM
    • 16 Posts
    • 29 Thanks
    sealdriver
    • #7
    • 21st Sep 15, 1:37 PM
    • #7
    • 21st Sep 15, 1:37 PM
    I am wondering about the earlier years. We had a Barclaycard from the early 1970's, and feel sure we had this cover for much of the time, from Sentinel, which we have sent off the claim form. Will the Sentinel one go back to our original time of taking it out?
    Originally posted by donny-gal
    I had Sentinel on my Barclaycard from 1987. I've completed the forms from Sentinel for 2005 onwards. I then contacted BC via their web site, I sent it via the complaints system and simply stated I was claiming from Sentinel but wanted to claim against Barclays for the years prior to that. I have just received a letter from them offering me nearly £900 after tax It was easy and obviously worth pursuing.

    Cheers
    Pat
    • Allilob
    • By Allilob 22nd Sep 15, 3:13 PM
    • 1 Posts
    • 1 Thanks
    Allilob
    • #8
    • 22nd Sep 15, 3:13 PM
    • #8
    • 22nd Sep 15, 3:13 PM
    What happens if you have had Sentinel for many years but don't know who sold it to you? A I Scheme don't have the record and Sentinel have said the package I have is Afinion House Gold Plus, but no one knows who sold it to me!!
    From what I can gather if you were not sold this product through a scheme member then you can't get the compensation. Is this the case?
    • Ian73
    • By Ian73 22nd Sep 15, 6:35 PM
    • 192 Posts
    • 33 Thanks
    Ian73
    • #9
    • 22nd Sep 15, 6:35 PM
    • #9
    • 22nd Sep 15, 6:35 PM
    Hi,
    Asking the same question of which amount to put down on the claim form
    • jason_best
    • By jason_best 24th Sep 15, 3:11 PM
    • 1 Posts
    • 0 Thanks
    jason_best
    Same here!
    Did you get any answer to this? I've no idea which cover I had as can't remember even having it, but received a letter!
    • cloggie
    • By cloggie 24th Sep 15, 3:11 PM
    • 4 Posts
    • 0 Thanks
    cloggie
    My husband phoned AL Scheme Limited and he was informed that he had taken out a card protection product from December 1999 until May 2008. Protection for 100,000 pounds at the RBS. We have received 110 pounds so far from 2005_2008.
    We have written to RBS for the years before 2005. Keep our fingers crossed.
    • MrsT68
    • By MrsT68 26th Sep 15, 4:10 PM
    • 3 Posts
    • 0 Thanks
    MrsT68
    Can anyone help me?
    My husband has received the paperwork from AI to complete, he is however unsure which template to fill in. On ringing the helpline they have advised that it started in September 2003 and was cancelled in December 2008. I think that it relates to a Capital One Credit Card which he no longer has but really can't be sure. Rang my bank First Direct to see if they have a record of any payments during that period but their records only go back 6 years. Does anyone have any suggestions were to turn to next. Also as it started in 2003 do I have to claim separately for that period?
    • BobQ
    • By BobQ 26th Sep 15, 5:28 PM
    • 10,526 Posts
    • 13,866 Thanks
    BobQ
    I assume you mean the MSE templates.

    These are just for guidance. If you do not remember when you had it just say so: they are writing to him because they know he had an affected product.Just say I recall having a product of this kind, not sure on which card.

    The two templates relate to what you thought the product provided was covering. It is obvious they have limited records beyond the products so how deeply they will scrutinise the form seems doubtful. The important thing is that you "remember" the salesperson saying it covered you for unauthorised card use on stolen or lost cards. This could be either before you have notified the bank (Template 2) or after notifying them(Template 1).

    The sums covered might be different in your case but you do not need to remember the exact figure to claim. Just that there was some cover

    The form is designed to make you not bother. All you are stating is what you believe you were told

    Remember to use Block Capitals (pity the templates are not block capitals).
    Last edited by BobQ; 26-09-2015 at 5:30 PM.
    Few people are capable of expressing with equanimity opinions which differ from the prejudices of their social environment. Most people are incapable of forming such opinions.
    • mumbelini
    • By mumbelini 26th Sep 15, 5:43 PM
    • 1 Posts
    • 0 Thanks
    mumbelini
    Hmmm which one to use?
    Well I have received the claim form, but like everyone else am unsure if I can claim both 1 and 2.

    I really thought I was covered for both purchases before and after I had informed Sentinel.
    I may have answered my own question here!!
    I don't want to be disqualified for completing both sections...

    Any help gratefully appreciated!

    I completed the form as directed and filled in both parts. I tweaked it slightly to fit my own situation. I am very pleased to say that I have received a cheque for £291.00. Sooo a BIG THANKYOU to Martin Lewis for alerting me in first place to look out for the initial letter and then for the template wording. I love you guys!!
    Last edited by mumbelini; 13-12-2015 at 3:36 PM. Reason: result!
    • steviebrett123
    • By steviebrett123 28th Sep 15, 12:28 PM
    • 4 Posts
    • 1 Thanks
    steviebrett123
    Ai scheme - Sentinel refund
    As far as I am aware, if you receive communication from the AI scheme, this means you had the 'product' in the past. I was contacted, filled in the claim form and received a refund cheque within 4 weeks - it was so simple!
    • BobQ
    • By BobQ 28th Sep 15, 1:37 PM
    • 10,526 Posts
    • 13,866 Thanks
    BobQ
    Well I have received the claim form, but like everyone else am unsure if I can claim both 1 and 2.

    I really thought I was covered for both purchases before and after I had informed Sentinel.
    I may have answered my own question here!!
    I don't want to be disqualified for completing both sections...

    Any help gratefully appreciated!
    Originally posted by mumbelini
    There is only one section to complete.

    As far as I can see they have identified two claims that were made at the time (before/after) but you can say either or both.

    I really doubt they are checking much. They want the liability cleared this financial year.
    Few people are capable of expressing with equanimity opinions which differ from the prejudices of their social environment. Most people are incapable of forming such opinions.
    • xdbx
    • By xdbx 29th Sep 15, 12:04 PM
    • 1 Posts
    • 2 Thanks
    xdbx
    Which template to use
    If you're stuck on which template to use here's what I did and I just received my compensation cheque so it worked!

    In Section B I stated that I bought the policy because it offered additional insurance against fraudulent use of lost or stolen cards - both the £5,000 before reporting cards missing and £10,000 after and I explained why I believed I was mis-sold this feature (see the MSE templates for details of how you can word this).

    Good luck!
    Last edited by xdbx; 29-09-2015 at 12:57 PM. Reason: removed emoticon
    • mbugsy18
    • By mbugsy18 1st Oct 15, 2:49 PM
    • 13 Posts
    • 1 Thanks
    mbugsy18
    I had Sentinel on my Barclaycard from 1987. I've completed the forms from Sentinel for 2005 onwards. I then contacted BC via their web site, I sent it via the complaints system and simply stated I was claiming from Sentinel but wanted to claim against Barclays for the years prior to that. I have just received a letter from them offering me nearly £900 after tax It was easy and obviously worth pursuing.

    Cheers
    Pat
    Originally posted by sealdriver
    Hi, did you need to give Barclaycard /Barclays any other details such as the details found on the AI scheme letter for customer number etc?
    Did you go through a general complaints email address or through the mybarclaycard account?
    Regards
    Mbugsy
    • Orddu
    • By Orddu 1st Oct 15, 3:43 PM
    • 1 Posts
    • 1 Thanks
    Orddu
    I had Sentinel on my Barclaycard from 1987. I've completed the forms from Sentinel for 2005 onwards. I then contacted BC via their web site, I sent it via the complaints system and simply stated I was claiming from Sentinel but wanted to claim against Barclays for the years prior to that. I have just received a letter from them offering me nearly £900 after tax It was easy and obviously worth pursuing.

    Cheers
    Pat
    Originally posted by sealdriver
    Could you give a little more info about this please? Which option on the BC website, did you need to give them much detail beyond name/membership number? We've had this product since Pontius was a pilot and much of the detail has been lost in the mists of time and house moves.

    Thanks in advance!

    Edit: I've just called the scheme who confirmed when I took this out which was 1993, so I'd definitely like a word with Barclaycard about that ;-)
    Last edited by Orddu; 01-10-2015 at 3:51 PM. Reason: More information
    • Monkston
    • By Monkston 1st Oct 15, 8:01 PM
    • 1 Posts
    • 4 Thanks
    Monkston
    Pre-2005 success with Barclaycard
    I've just had 1997-2005 repaid by Barclaycard for an Affinion Card Protection product (Sentinel Gold) - if this experience is anything to go by then they are not making it difficult to reclaim.

    I called AI Scheme Ltd and asked for the year in which I acquired the product, then called Barclaycard on their main customer service number (0800 151 0900) and worked my way through the automated system to raise a complaint. Had a rather muddled conversation with the overseas call centre where he firstly said there was no record of me having such a product, then tried to refer me to an Affinion phone number. After re-iterating several times that I wanted to raise a complaint against Barclaycard for mis-selling he did so & said i'd hear in writing within 21 days.

    Five days later I received a form asking how i'd like the money paid back if the claim was upheld, and the day after that a letter upholding the claim!

    At no stage did I provide an Affinion membership number, or have to explain why I felt the product was mis-sold, or produce any paperwork (not that I have records going back that far..). The claim letter notes that the complaint was upheld as they were not able to establish that, when originally sold to me, the product was suitable to my needs or adequately explained. It also directed me to the AI Scheme Ltd to claim for the post-2005 period.

    Hope this info helps someone :)
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