ARGOS - CPP Card Protection Plan Extortion?

[mazamarie]

ARGOS PPI

I have held an argos card for over 12 months now, when I took the card I declined PPi. Now they have and started to add the PPI premiums to my Argos card account and are charging interest on them.

Card Protection Plan (CPP) is the company who they run their PPI through send you a letter which I "threw away without reading as I did'nt want the CPP".

When I phoned ARGOS card services I was told that basically I was required to let CPP know that I did not want their PPI otherwise it was started automatically, which it has.

I owed nothing at all on my ARGOS card and now there have been two payments made with charges and I have a ballance of £37.00 to pay.

Has anyone any Idea about this one - has it come up before.
Surely this is extortion.

maza

[hellhasnofury]

Hello,

I sounds to me that they can do what ever they wish unless it is challenged. I would send them a Subject Access Request for all information pertaining to your account with them for a starter. This is a copy in one of the threads.

Just modify it to your own details and delete the part about loans. You have to send them a cheque for £10 for them to do this. They have 40days to comply.

I hope this helps


Your address


Their address


Date

Dear Sir/Madam

DATA PROTECTION ACT 1998
SUBJECT ACCESS REQUEST

Account name and no

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts
Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.
- A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organization.
-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
I enclose a cheque in the sum of £10 to cover your fee.
IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.
I look forward to hearing from you in the first instance of receipt.

Yours faithfully

[ladybird17]

I'm a bit confused (possibly a bit dumb as well) CPP offer protection if your cards get lost or stolen - they don't offer PPI - that's a completely different thing. Or am I wrong?

[reidnet]

you are correct CCP and PPI are 2 different things..

Ian