I took out a CPP policy over the phone when I took out a Sainsbury’s Credit Card. According to CPP it was Sainsburys Bank and not CPP who sold the policy, although my own memory is that I was referred to CPP by Sainsburys Bank, and that it was CPP who sold it. It is however difficult to know when you are passed around a phone system. Certainly all subsequent correspondence regarding conformation of policy purchase and renewals came directly from CPP. Telephone conversations with CPP, Sainsburys and Bank of Scotland have resulted in he following stances: 1. Sainsburys Bank maintain that if they sold me the policy, it was on behalf of Bank of Scotland and that Bank of Scotland are responsible for the mis-selling. They have no department to deal with CPP complaints which must go through Bank of Scotland or CPP. 2. Bank of Scotland maintain that (if they sold me the policy) CPP are responsible, they have no department to deal with CPP complaints which must go through CPP and that they will take no responsibility. 3. CPP maintain that Sainsburys Bank sold the policy and are responsible for the mis-selling. As Sainsbury’s are not part of the compensation scheme CPP are not responsible. Have written to all three asking them to corss-reference and sort themselves out. Suspect this will resolve nothing and will be off to the FCA.