pudsey2/ Associates

[pudsey2]

martin i have an old associates card from before 2000 and i have noticed that i have a card protection on it £15.00 regular payment plan where do i and how do i start a claim and will it be with citi or cpp?

some advice would be grateful

thanks

pudsey2

[MARTIN3030]

The Associates card was taken over by Citi and it is Citi who are liable for any charges.In those days it was possible to have up to£50 charges levied every month as they had an overlimit charge of 25,then there was a late payment charge.

I claimed these around 2009,and if you had these charges,you should consider claiming them.

In respect of CPP, yes this was seen as conditional,and payments were taken monthly at varying rates,with an automatic rollover of the policy after 1 year.

In my claim against CPP, they maintain that it was Citi who my agreement was with and CPP said they had referred my complaint to them.I was sent a letter by Citi along with a FOS form to complete.

I know that CPP were used by most of the big card issuers and also mobile phone companies for some policies.

 

It seems to me,that at some point in the periods 2002 to 2009,that policies were transferred from card issuer to CPP on set up.

Although I am still looking to determine exactly which cards this applied to and what periods.

If this is correct,then in your case,it could be that both Citi AND CPP will be jointly liable for the periods over your card accounts.

It is likely in your case that there will be different account numbers.

What you need to do therefore is to find these and reconcile them.

 

You may need to do a full SAR to get the info from statements,even if you do have statements,in order to work out exactly what you paid and to calculate interest on that,you will need statements.

I suggest therefore if you dont have these,then get a SAR off to Citi.

I would not trust CPP to work out the amounts due.

As previously reported by me,when I emailed them back in 2009 asking for a refund,they replied that as my account was closed within the last 6 months,they did not hold records.

 

Of course that was tosh.

It was only after they were investigated later and found to have been guilty of mis selling that I contacted them again.

This company squirmed and pleaded poverty when they were on the rack.

Protests were even organised in their home city as they rallied the troops.

But as you will see in my report-they are far from being without some dosh to compensate those who they were quick to take it from.