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  • 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
    • 5,960 Posts
    • 3,610 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
    • 16,201 Posts
    • 23,070 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
    • 22,465 Posts
    • 12,022 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
    • 19,347 Posts
    • 20,671 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
    • 5,960 Posts
    • 3,610 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
    • 2,302 Posts
    • 467 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
    • 5,960 Posts
    • 3,610 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
    • 2,302 Posts
    • 467 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 .
    • paddyb1
    • By paddyb1 13th Oct 18, 2:48 PM
    • 1 Posts
    • 0 Thanks
    paddyb1
    Cpp 2006
    Hi everyone,
    Iím new to this so not sure if this is correct way to ask this.
    Here goes. Iíve seen a recent article from MSE saying that itís still possible to claim back CPP
    As I have just found my original Certificate of Insurance I was wondering if this is correct please?
    • Nasqueron
    • By Nasqueron 13th Oct 18, 8:05 PM
    • 5,960 Posts
    • 3,610 Thanks
    Nasqueron
    Hi everyone,
    I’m new to this so not sure if this is correct way to ask this.
    Here goes. I’ve seen a recent article from MSE saying that it’s still possible to claim back CPP
    As I have just found my original Certificate of Insurance I was wondering if this is correct please?
    Originally posted by paddyb1

    Edit - just noticed your title - if the CPP was taken out in 2006 then no the refund scheme has closed. Not sure what article you have found but the main one is linked below.


    If the CPP was taken out prior to 2005 (outside the dates of the main refund period) yes you can try. The main CPP refund scheme is long closed as the MSE page should have explained


    https://www.moneysavingexpert.com/reclaim/CPP-card-protection/
    Last edited by Nasqueron; 13-10-2018 at 9:57 PM.
    • Moneyineptitude
    • By Moneyineptitude 13th Oct 18, 9:38 PM
    • 22,465 Posts
    • 12,022 Thanks
    Moneyineptitude
    I’ve seen a recent article from MSE saying that it’s still possible to claim back CPP
    Originally posted by paddyb1
    It is, but only for CPP sold prior to January 2005. For any CPP which was sold after that date, there was a refund scheme which closed some years back.

    That archived MSE article does indeed make this clear:
    "If you think you were mis-sold either of the products before 2005, this guide will show how to complain to your bank"

    So you are far too late.

    Sorry.
    If the CPP was taken out in 2005
    Originally posted by Nasqueron
    Realistically, it's any date prior to 2005 as regulation began in January of that year.
    • Nasqueron
    • By Nasqueron 13th Oct 18, 9:57 PM
    • 5,960 Posts
    • 3,610 Thanks
    Nasqueron
    Realistically, it's any date prior to 2005 as regulation began in January of that year.
    Originally posted by Moneyineptitude



    Yes my bad, edited x2
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