LLoyds 'Cardholder Protection Plan'?

[Ford]

hi

 

quick q, urgent

 

is the Sentinel Gold (loyds) cr card cover included in this current redress scheme that deadlines on sat?

 

thanks

[Ford]

ps, not sure if it was actually under Sentinel (presume it was as loyds seemed to use them), old statements just say 'cardholder protection plan' £x.xx, and is mthly.

[theoldrouge]

CPP and these high street banks and credit card issuers have agreed to be part of the scheme:

 

• Bank of Scotland
  
• Barclays
  
• Canada Square Operations Limited (formerly Egg)
  
• Capital One
  
• Clydesdale Bank
  
• Home Retail Group Insurance Services Limited
  
• HSBC
  
• MBNA
  
• Morgan Stanley Bank
  
• Nationwide
  
• Santander
  
• The Royal Bank of Scotland
  
• Tesco
  

Lloyds TSB is not on the list because it says it didn't sell CPP.

[Ford]

hi, thanks for reply.

 

been searching around,

seems sentinel gold is not part of this current scheme.

and, seems that 'cardholder protection plan' was re a PPI?

[theoldrouge]

cardholder protection plan was ppi

[theoldrouge]

if I remember correctly the monthly cost was 79p per £100

[dx100uk]

sent gold was another scheme like CPP was

 

 

yet to be attacked by anyone I think

[Ford]

cardholder protection plan was ppi

 

cheers

 

will look into a claim on that, if its not out of time to claim!

[citizenB]

http://www.consumeractiongroup.co.uk/forum/showthread.php?427646-CPP-reclaim-deadline-31st-Augusst

 

Ford, did you not read the August newsletter ? You only have until 31 August to make your claim.

[Ford]

if I remember correctly the monthly cost was 79p per £100

 

 

spot on

bal was around a grand, payment was around 7£

[Ford]

http://www.consumeractiongroup.co.uk/forum/showthread.php?427646-CPP-reclaim-deadline-31st-Augusst

 

Ford, did you not read the August newsletter ? You only have until 31 August to make your claim.

 

hi

have only just been given some stuff to look at.

anyway, turns out (as above) 'cardholder protection plan' is re card ppi not cpp.

plus, it seems loyds didnt use the company cpp, they use/d sentinel. sentinel/loyds is not under the current redress, but such ins may or may not be under investigation, fca apparently wont confirm either way. (mse site)

 

wld it still be poss to claim re this card ppi, as last statement have so far atm is '04?

[theoldrouge]

 

wld it still be poss to claim re this card ppi, as last statement have so far atm is '04?

Yes of course, SAR to Lloyd's?

[Ford]

Yes of course, SAR to Lloyd's?

 

 

cheers. i think that the card was paid off and closed '05/06 (yet tbc). wld it still be in time to claim, is it 12 yrs time limit?

[dx100uk]

there is no time limit on PPI

 

 

dx

[Ford]

there is no time limit on PPI

 

 

dx

 

cheers. (i thought so, but remembered seeing something about 12 yrs on mse site)

[dx100uk]

if you go start a thread in the PPI forum

 

 

i'll moved your posts for you ford.

 

 

dx

[Ford]

if you go start a thread in the PPI forum

 

 

i'll moved your posts for you ford.

 

 

dx

 

hi

this is re someone else. am awaiting more info, and will need to ask them first if can do a thread on it.

initially thought it was re cpp hence the posts on yr thread given saturdays deadline. soz to hijack your thread!

can move my existing posts if you wish?

[Ford]

Hi

 

(a thread/posts move to here)

 

re loyds credit card;

 

is 'Cardholder Protection Plan' re CPP (and subject to the current redress scheme), Sentinel Gold (similar to cpp), or PPI?

[Ford]

dx

 

hows this, to start?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?431815-Cardholder-Protection-Plan&p=4602872#post4602872

[ims21]

Hi Ford

 

It is an equivalent of CPP as opposed to PPI.

[Ford]

Hi Ford

 

It is an equivalent of CPP as opposed to PPI.

 

hi

thanks for quick reply.

 

some posts are to be moved here from http://www.consumeractiongroup.co.uk/forum/showthread.php?428896-got-%A376-back-**SUCCESS**

 

from there, had thought it was re ppi! is it then under this current redress scheme?

[maroondevo52]

Give it a google Ford, there's stacks of stuff about it.

[Ford]

Give it a google Ford, there's stacks of stuff about it.

 

hi

have done, and it seems that it is re ppi. see the thread link #3.

[ims21]

The current redress scheme is for the company to which the lenders/banks farmed out the CPP plans.

 

Sadly the deadline for lodging a complaint is tomorrow (Saturday 30/8/14).

 

CPP should have written to all of their customers about this.

 

If no such letter has been received from CPP then it may well be that the bank were providing this off their own back (which could be likely given that Lloyds have their own insurance arm).

 

If that is the case then if this is a mis-sell then the bank should be approached directly rather than via the CPP scheme.

 

If the benefits offered by their CPP equivalent scheme were doubled up i.e. that the general terms of the card covered you for something for which they covered you again for an extra fee then I would suggest that this is misleading and is a mis-sell.

 

Any chance that you have you have the general T&Cs for the card? If so I would compare those to the ones with this policy to see if things were doubled up.

 

Bear in mind that Lloyds were probably the biggest sinner in terms of mis-selling PPI so it begs the question "How many more of their products have been mis-sold"?

[dx100uk]

posts moved over

 

 

card protection scheme was Lloyds version of PPI

 

 

the sentinel gold thing on the card too

is another type of CPP

but as yet I've seen no reclaims surrounding this

though there is a few posts on MSE

 

 

dx