Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Rutter50
    • By Rutter50 9th May 18, 10:22 PM
    • 4Posts
    • 1Thanks
    Rutter50
    CPP Query
    • #1
    • 9th May 18, 10:22 PM
    CPP Query 9th May 18 at 10:22 PM
    Hi all


    Looking for some advice.


    I had several products from CPP, one being Card Protection Policy starting from 27th May 1998 to approximately 2014. I know this because I have paperwork showing the policy start date etc.
    Is it possible to open a claim on this Policy? This was sold to me via a MBNA credit card.


    I also had a CPP Identity Protection Policy for the same Credit Card which started from 2006 up to 2014 and have several statements and paperwork showing all the charges etc


    I've seen online that there were many claims with CPP Policies and that there was a redress scheme. If I had known about this scheme then I would have raised a claim.
    Is it still possible to raise my concerns/claim regarding both of my Policies? Is there a difference between before and after 2005?


    To add to above, I found a letter from CPP with a Santander logo saying I had Card Protection in 2011, a card I still use. Is it possible to query this policy with CPP or Santander?


    On a different note, I see reference to having access to free Experian services such as credit alerts etc


    I was already paying this via a subscription with Experian from 2009 so I've totally confused.


    Any advice is appreciated.


    Thanks

    David
Page 1
    • Nasqueron
    • By Nasqueron 9th May 18, 10:28 PM
    • 4,975 Posts
    • 3,013 Thanks
    Nasqueron
    • #2
    • 9th May 18, 10:28 PM
    • #2
    • 9th May 18, 10:28 PM
    https://www.moneysavingexpert.com/reclaim/CPP-card-protection

    Also cancel your Experian nonsense, it's worthless, the report is free
    • Rutter50
    • By Rutter50 9th May 18, 10:56 PM
    • 4 Posts
    • 1 Thanks
    Rutter50
    • #3
    • 9th May 18, 10:56 PM
    • #3
    • 9th May 18, 10:56 PM
    Hi, thanks for the prompt reply. I have read the link you have posted which mentions the redress scheme which was to refund anyone from 2005 to 2014 regarding 2 policies, both of which I had i.e. Card Protection and Fraud. Is it still possible to raise a complaint for both policies as I did not receive the letters? Also, one of the policies actually started in 1998 which was before 2005? Surely if I can raise a complaint for the policy starting in 1998 then I should be able to raise a complaint for the other policy which began in 2006?


    Who do I raise a complaint to? Is it CPP?


    Thanks
    • antrobus
    • By antrobus 9th May 18, 11:33 PM
    • 15,783 Posts
    • 22,465 Thanks
    antrobus
    • #4
    • 9th May 18, 11:33 PM
    • #4
    • 9th May 18, 11:33 PM
    The CPP redress scheme closed in 2015.

    CPP card and identity protection policyholders were able to claim compensation for mis-sold policies. The deadline for claiming compensation has now passed, and no further compensation claim forms will be accepted.

    https://www.fca.org.uk/news/news-stories/cpp-card-and-identity-protection-compensation-scheme-closure
    • Moneyineptitude
    • By Moneyineptitude 10th May 18, 12:11 AM
    • 20,642 Posts
    • 11,500 Thanks
    Moneyineptitude
    • #5
    • 10th May 18, 12:11 AM
    • #5
    • 10th May 18, 12:11 AM
    Surely if I can raise a complaint for the policy starting in 1998 then I should be able to raise a complaint for the other policy which began in 2006?
    Originally posted by Rutter50
    As above. you are a few years too late for any CPP complaint post 2005. Sorry.

    You can complain about 1998 CPP, though. Your complaint should be addressed to whoever (mis) sold it to you.
    • Rutter50
    • By Rutter50 10th May 18, 9:42 PM
    • 4 Posts
    • 1 Thanks
    Rutter50
    • #6
    • 10th May 18, 9:42 PM
    • #6
    • 10th May 18, 9:42 PM
    Hi


    Thanks for the feedback
    • llamalou
    • By llamalou 14th Jun 18, 10:52 AM
    • 1 Posts
    • 0 Thanks
    llamalou
    • #7
    • 14th Jun 18, 10:52 AM
    CPP Card Protection
    • #7
    • 14th Jun 18, 10:52 AM
    I also took out a Card Protection via a credit card back in 1988 - My renewal for CPP card protection is due -75 for 3 years -is it worth renewing? One call to them if I lose my credit cards etc
    Advice would be appreciated.
    Thanks,
    • zx81
    • By zx81 14th Jun 18, 11:37 AM
    • 17,792 Posts
    • 18,919 Thanks
    zx81
    • #8
    • 14th Jun 18, 11:37 AM
    • #8
    • 14th Jun 18, 11:37 AM
    No. .
    • Nasqueron
    • By Nasqueron 14th Jun 18, 11:56 AM
    • 4,975 Posts
    • 3,013 Thanks
    Nasqueron
    • #9
    • 14th Jun 18, 11:56 AM
    • #9
    • 14th Jun 18, 11:56 AM
    I also took out a Card Protection via a credit card back in 1988 - My renewal for CPP card protection is due -75 for 3 years -is it worth renewing? One call to them if I lose my credit cards etc
    Advice would be appreciated.
    Thanks,
    Originally posted by llamalou
    CPP is worthless, I don't see how you are still paying for this, pay 75 so someone can make a phone call for you...
    • oldwiring
    • By oldwiring 26th Jun 18, 9:18 AM
    • 2,278 Posts
    • 456 Thanks
    oldwiring
    @Nasqueron
    Maybe it's worthless within UK, but what about those who travel abroad?
    If cards or other important documents are lost, does it not have value for them, then? In such circumstances the inconvenience of the loss could put that fee in the shade. Just wondering!
    • Nasqueron
    • By Nasqueron 26th Jun 18, 10:11 AM
    • 4,975 Posts
    • 3,013 Thanks
    Nasqueron
    @Nasqueron
    Maybe it's worthless within UK, but what about those who travel abroad?
    If cards or other important documents are lost, does it not have value for them, then? In such circumstances the inconvenience of the loss could put that fee in the shade. Just wondering!
    Originally posted by oldwiring
    All my providers have a UK number you can ring from abroad (or reverse charges) if the card is lost, the service that costs 75 a year is simply them ringing a few firms and cancelling the cards which can be done for free via the Cards Gone website as recommended by MSE

    https://www.moneysavingexpert.com/reclaim/CPP-card-protection/
    • oldwiring
    • By oldwiring 26th Jun 18, 10:54 AM
    • 2,278 Posts
    • 456 Thanks
    oldwiring
    75 for a year is more than I ever paid. I decided to ditch mine @ 30, because it was unlikely for us to be abroad again due to anno domini, but for the lesser amount it didn't seem that bad .
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,366Posts Today

7,412Users online

Martin's Twitter