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    • MSE Amy
    • By MSE Amy 27th Aug 13, 5:45 PM
    • 28Posts
    • 36Thanks
    MSE Amy
    Reclaim CPP article discussion
    • #1
    • 27th Aug 13, 5:45 PM
    Reclaim CPP article discussion 27th Aug 13 at 5:45 PM
    Hi!

    This is the discussion thread for the



    Click reply below to discuss. If you haven!!!8217;t already, join the forum to reply. If you aren!!!8217;t sure how it all works, read our New to Forum? Intro Guide.


    Thanks folks ,
Page 111
    • TheToast
    • By TheToast 12th Oct 17, 12:37 PM
    • 1 Posts
    • 1 Thanks
    TheToast
    Hi all. Hoping for some advice.

    I took out a CPP plan in 2004, so before the 2005 date that the redress scheme goes back to. For pre-2005 claims, the advice is to contact your bank to submit a complaint, but I can't recall which bank sold me CPP. I recall it being an opt-out, so was forced on me, but I don't have documentation going back that far.

    I thought possibly via Barclaycard or Barclays. Any advice from people who were in a similar situation? I.e. Calling banks to ask if they originally sold me CPP? I've already inquired with every bank I have an account with about ppi using their online forms, but that wouldn't highlight CPP.

    (My last ditch attempt would be to use a claims company who may know of a way to process this. So any recommendations over which to use would be appreciated.) Thanks
    • zx81
    • By zx81 12th Oct 17, 12:42 PM
    • 16,408 Posts
    • 17,464 Thanks
    zx81
    The window for reclaiming on CPP policies ended some years ago.
    • Moneyineptitude
    • By Moneyineptitude 12th Oct 17, 1:50 PM
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    Moneyineptitude
    I took out a CPP plan in 2004, so before the 2005 date that the redress scheme goes back to. For pre-2005 claims, the advice is to contact your bank to submit a complaint, but I can't recall which bank sold me CPP.
    Originally posted by TheToast
    You could contact CPP to see if they have any records pertaining to your policy. They may be able to tell you which Bank sold you the CPP.
    I wouldn't be approaching any claim company though; they do not have have specialist investigatory powers and they'll charge a huge proportion of any redress you might win.

    Good luck.
    The window for reclaiming on CPP policies ended some years ago.
    Originally posted by zx81
    Yes, for policies post 2005. The Op's policy was purchased earlier and did not qualify for the refund scheme.
    • Mersey
    • By Mersey 12th Oct 17, 10:53 PM
    • 1,663 Posts
    • 788 Thanks
    Mersey
    HSBC are currently dealing with CPP historic liabilities (ChargeGuard was their most popular policy sold in the 1990s to mid 2000s).


    They were able to find it from a search I asked for from 1997; but, the obvious answer would be whoever your current account was with at the time.
    Please be polite to OPs and remember this is a site for Claimants and Appellants to seek redress against their bank, ex-boss or retailer. If they wanted morality or the view of the IoD or Bank they'd ask them.
    • manyamuckle
    • By manyamuckle 14th Nov 17, 7:34 PM
    • 33 Posts
    • 593 Thanks
    manyamuckle
    Okay, here's a question that someone might be able to help me with.

    I relocated from the UK in 2015 and now live an work in the US. Going through some old papers over the weekend I found copies of my initial claim paperwork for compensation for CPP - the standard letters etc that everyone got who might have a claim.

    We still own our property in the UK, currently rented out with mail being forwarded to us here and the phone numbers etc are still active and connected to me, I haven't heard anything back from them since.

    I've tried to go to the website on the letters - it's dead, there's no answer to the numbers I have for CPP or they are shut down... not that I'm expecting a massive windfall at all, if I'm owed something I would still like to be able to have it. Does anyone have any thoughts or pointers?
    • Moneyineptitude
    • By Moneyineptitude 14th Nov 17, 7:38 PM
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    Moneyineptitude
    not that I'm expecting a massive windfall at all, if I'm owed something I would still like to be able to have it. Does anyone have any thoughts or pointers?
    Originally posted by manyamuckle
    It's too late to claim. The scheme was wound up on the date it said on your letter.
    • manyamuckle
    • By manyamuckle 14th Nov 17, 9:50 PM
    • 33 Posts
    • 593 Thanks
    manyamuckle
    It's too late to claim. The scheme was wound up on the date it said on your letter.
    Originally posted by Moneyineptitude
    I did claim. I submitted my claim on Feb 24, 2014 which was well before the deadline to apply of Aug 30, 2014. After I submitted my claim I heard nothing else.
    • Moneyineptitude
    • By Moneyineptitude 14th Nov 17, 11:02 PM
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    Moneyineptitude
    I did claim. I submitted my claim on Feb 24, 2014 which was well before the deadline to apply of Aug 30, 2014. After I submitted my claim I heard nothing else.
    Originally posted by manyamuckle
    It's now more than three years past that date and long past the time you should have queried why you had no response.

    Sorry.
    • manyamuckle
    • By manyamuckle 15th Nov 17, 3:49 PM
    • 33 Posts
    • 593 Thanks
    manyamuckle
    It's now more than three years past that date and long past the time you should have queried why you had no response.

    Sorry.
    Originally posted by Moneyineptitude
    Totally understand and suspected that may well be the case. That's a shame as I heard nothing from them up to the end of 2015 and haven't had anything forwarded since (I get all my mail forwarded every month from the UK). The paperwork has been in 'non-urgent' shipping boxes from the relocation to the US. Might contact the FCA in case they have some recourse - but thanks for all your responses.
    • Moneyineptitude
    • By Moneyineptitude 15th Nov 17, 4:09 PM
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    Moneyineptitude
    I heard nothing from them up to the end of 2015
    Originally posted by manyamuckle
    The scheme ended and the last refund was paid by the end of August 2014, so it's not surprising that you heard nothing in 2015!

    People who complained they had had no acknowledgement of their application only just after the deadline in August 2014 were denied a refund, so in November 2017 you have no chance of advancing this I'm afraid.
    Might contact the FCA
    Originally posted by manyamuckle
    The FCA are the regulator, they don't deal with individual complaints.
    • manyamuckle
    • By manyamuckle 16th Nov 17, 1:55 AM
    • 33 Posts
    • 593 Thanks
    manyamuckle
    The scheme ended and the last refund was paid by the end of August 2014, so it's not surprising that you heard nothing in 2015!

    People who complained they had had no acknowledgement of their application only just after the deadline in August 2014 were denied a refund, so in November 2017 you have no chance of advancing this I'm afraid. The FCA are the regulator, they don't deal with individual complaints.
    Originally posted by Moneyineptitude
    B*gger. Thanks.
    • bootedsw
    • By bootedsw 11th Dec 17, 11:27 PM
    • 5 Posts
    • 2 Thanks
    bootedsw
    nothing heard
    I remembered it when the renewal form has popped thru the letterbox. cut my loss and cancel. Shame they don't just do a keysafe policy as that would be great.
    • rjones99
    • By rjones99 17th Jan 18, 11:56 AM
    • 1 Posts
    • 0 Thanks
    rjones99
    Is it too late for me to claim CPP compensation? I've read that the deadline expired in 2014 but wasn't sure if I could go direct to the Ombudsman and still get some compensation back. I remember being charged 70+ / year for many years for this!
    Thanks a lot
    • zx81
    • By zx81 17th Jan 18, 12:06 PM
    • 16,408 Posts
    • 17,464 Thanks
    zx81
    You're several years too late, I'm afraid...
    • Moneyineptitude
    • By Moneyineptitude 17th Jan 18, 11:21 PM
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    Moneyineptitude
    I I've read that the deadline expired in 2014 but wasn't sure if I could go direct to the Ombudsman and still get some compensation back.
    Originally posted by rjones99
    The Ombudsman cannot award you anything.

    Did your CPP pre-date the post 2005 refund scheme?

    If so, you should complain to the original seller.

    If not, you are too late by several years,
    • andyca
    • By andyca 15th Feb 18, 11:50 AM
    • 127 Posts
    • 37 Thanks
    andyca
    I found a "thanks for renewing your CPP" letter from NatWest last week dated 2005. I called up their CPP department and said I just realized I had CPP and they just sent me a cheque for 105 for premiums and interest for the policy before 2005.
    The policy after 2005 which should be another 105 was not covered as I binned the CPP letter as I thought it was another PPI company touting for business.

    I'm keeping the paperwork as i'm sure there is a case in the future for big banks not putting their names to the notifications about CPP reclaim. Had the letter been from NatWest on behalf of CPP (who i'd not heard of until this week) I would have read it much more carefully and made the connection.
    • Moneyineptitude
    • By Moneyineptitude 15th Feb 18, 11:57 AM
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    Moneyineptitude
    I'm keeping the paperwork as i'm sure there is a case in the future for big banks not putting their names to the notifications about CPP reclaim.
    Originally posted by andyca
    I think you'll find that your paperwork is not worth 105 and that it should now be simply be shredded and binned.

    You'll never get anywhere complaining that the Banks should have taken responsibility for CPP's refund scheme!

    Very imaginative of you, though
    • andyca
    • By andyca 15th Feb 18, 7:06 PM
    • 127 Posts
    • 37 Thanks
    andyca
    There's a whole article on the MSE website dedicated to how poor the CPP communications were.
    The bank sold the scheme, I think they should have been mentioned on the paperwork.
    I'll keep them for now Moneyineptitude.
    • Moneyineptitude
    • By Moneyineptitude 15th Feb 18, 7:22 PM
    • 20,000 Posts
    • 10,981 Thanks
    Moneyineptitude
    whole article on the MSE website dedicated to how poor the CPP communications were.
    Originally posted by andyca
    Are you really expecting anything to come of that now, almost four years on from it's publication ?

    Face it, you missed the bus on this one..
    • andyca
    • By andyca 15th Feb 18, 7:37 PM
    • 127 Posts
    • 37 Thanks
    andyca
    850 million is quite a bit of money to leave on the table.
    Who knows? I don't, and you don't either.
    It's worth keeping 5 sheets of paper for another few years.

    People can be very quick to present opinion as fact on these forums. My view on a car insurance technicality was quickly dismissed last month. I was proved right and saved 765
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