CPP or CITI/OPUS fee reclaim???

[JohnnyPacket]

I opened a credit card with The Associates some 10 years or so ago. Subsequently they were taken over by Citi Financial and more recently by OPUS.

I have contacted CPP to request a fee reclaim but they told me that it was nothing to do with them as I was referred to them by The Associates! They are no longer in existence so I contacted OPUS to reclaim and they said it ws nothing to do with them and I was to contact CPP!

I'm being passed pillar to post here - has anyone got any ideas as to who should take ownership of my request/claim??

Thanks in advance.

[ims21]

As you have posted in the PPI forum I assume this is for a PPI claim?

 

If so read here

 

http://www.citibank.co.uk/personal/banking/info/contactus/feedback/ppicomplaints.htm

[JohnnyPacket]

I have no idea ims21 but strictly speaking I don't think it is a PPI claim as it is more of a misold useless insurance scheme going under the name of Card Protection Plan to which I was coerced into paying for. Please re-post to another forum if you think this is incorrect!

 

 

 

As you have posted in the PPI forum I assume this is for a PPI claim?

 

If so read here

 

http://www.citibank.co.uk/personal/banking/info/contactus/feedback/ppicomplaints.htm

[ims21]

Yep...treat it as PPI

[MARTIN3030]

I have reported about this myself having experienced EXACTLY the same.

My card was also an associates which Citi rebranded circa 2000/2001

[JohnnyPacket]

I did just that ims21/MARTIN3030 and have finally received a response from OPUS stating that "the policy provided by CPP is for card protection only, this is different to PPI.....card protection is not included in the hight court ruling relating to the possible mis-selling of insurance policies....if you wish to pursue this matter further then you will need to contact CPP directly...".

I have already contacted CPP who denied all responsibility as have OPUS now. What (if any) is my next step?

[JohnnyPacket]

Any ideas guys?? Anyone???

 

I did just that ims21/MARTIN3030 and have finally received a response from OPUS stating that "the policy provided by CPP is for card protection only, this is different to PPI.....card protection is not included in the hight court ruling relating to the possible mis-selling of insurance policies....if you wish to pursue this matter further then you will need to contact CPP directly...".

I have already contacted CPP who denied all responsibility as have OPUS now. What (if any) is my next step?

[MARTIN3030]

Yes it is Citicard you are liable and they recently accepted liability and made a payment.in my own case with Associates CPP.

Do you have your original account number ?

In my own case,like you I was told by CPP that it was Citi who set up the policy.

CPP referred my complaint to Citicard,who then sent me an FOS form to fill in and said they would be investigating it.

That was in June 2012.It took them until Late November to make a refund.

I did not return the FOS Q &A form since as far as I know,there is no obligation to have to do this.

From memory,at the time of the Associates card,and also the period which followed,the fee for the CPP was about £25.It was automatically taken each year,and I think there were also monthly amounts taken.

If you have not got statements,you will have to calculate it based on estimated amounts.

I have already posted the address that you need to be sending this too in the thread in Citi forums.

You need to be firm with them putting it in writing that you do not expect the matter to be complicated in resolving and should not take months.

Work out what is owed and add the interest.

If you need any further help just ask.

[JohnnyPacket]

Martin3030, I followed your advise and sent a further letter a month ago it read (amongst ather things) " I have recently become aware ofthe mis-selling of Consumer Card Protection and I have knowledge of the recentinvestigations into the Policy by the Financial Services Authority. I believeyou have not treated me fairly for the following reasons:

• The Card Protection Policy was added without my full knowledge.
  
• The Card Protection Policy exclusions were never properly explained, so I was unable to make an informed decision as to whether this policy was required or not.
  
• I was not asked whether I already had any existing policies that would cover any unauthorised use of my card.
  
• There was never any agreed contract for the policy.
  
• I had no use for this policy.
  

Unless you can prove without doubt that thispolicy is fair, reasonable and suitable for my needs, I demand to be placedback into the position I would have been had this Card Protection Policy notbeen included. I will therefore demand a full refund of all of my payments andcompound interest charges as detailed on the attached spreadsheet. For yourinformation, I have previously submitted correspondence to you on October 15th2012 together with a completed payment protection insurance questionnaire whichwas then incorrectly forwarded by yourselves to OPUS Ltd. I now expect CITI to take ownership ofthis ongoing issue and resolve the situation immediately."

I have not received ANY response to this day! What would your further suggestions be?

Regards, Johnny.

 

 

[JohnnyPacket]

Martin3030, I followed your advise and sent a further letter a month ago it read (amongst ather things) " I have recently become aware ofthe mis-selling of Consumer Card Protection and I have knowledge of the recentinvestigations into the Policy by the Financial Services Authority. I believeyou have not treated me fairly for the following reasons:

• The Card Protection Policy was added without my full knowledge.
  
• The Card Protection Policy exclusions were never properly explained, so I was unable to make an informed decision as to whether this policy was required or not.
  
• I was not asked whether I already had any existing policies that would cover any unauthorised use of my card.
  
• There was never any agreed contract for the policy.
  
• I had no use for this policy.
  

Unless you can prove without doubt that thispolicy is fair, reasonable and suitable for my needs, I demand to be placedback into the position I would have been had this Card Protection Policy notbeen included. I will therefore demand a full refund of all of my payments andcompound interest charges as detailed on the attached spreadsheet. For yourinformation, I have previously submitted correspondence to you on October 15th2012 together with a completed payment protection insurance questionnaire whichwas then incorrectly forwarded by yourselves to OPUS Ltd. I now expect CITI to take ownership ofthis ongoing issue and resolve the situation immediately."

I have not received ANY response to this day! What would your further suggestions be?

Regards, Johnny.

 

 

 

Any suggestions at all??