Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Can anyone please advise me on whether or not it is worth paying out for Insurance against identity theft? I have recently cancelled my Barclaycards after 25+ years due to several issues/problems with them and have opened a new credit card account with Natwest where I bank. When validating the card over the 'phone I was offered this from an organisation called CPP (Card Protection Plan) as a safety feature at a cost of £79+ and said I'd consider it. I had been told in the conversation that I had a 14-day "cooling off" period during which I could cancel the protection with no cost. I was told to hang on at the end of the call and listen to a pre-recorded message outlining the T&Cs. In this I heard the price of £79+ broken down as something like £12 to the actual Insurance company and £67 to CPP and am now wondering:-
A) Is it worth paying for?
B) Can I go direct to the Insurance Co. and cut out the middle-man?
Am out of work (age 63) and very little income until State Pension in 2 years time so every penny helps! Any helpful advice would be much appreciated
This is just a big CON as far as I'm concerned. I wouldn't pay it in a million years and it seems the activation call is used to sell this unnecessary nonsense.
You are already protected if your card is used fraudulently, unless you have been negligent by keeping the card and PIN No. together.
If the a/c is used fraudulently without the card, you are also limited as regards liability.
Recent regulation changes have come in over the last month, forcing the banks, etc to return customers' money quickly after a suspected fraud incident. The bank should not now wait until they've finished their own inquiries, unless there is evidence that the customer was part of the fraud.
This so-called insurance from the bank is just another means of parting you from your money after frightening you about fraud.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Thanks a lot slick132! I do appreciate your advice and will act on it. The trouble is these people trade on people's fears and probably exaggerate the dangers. Also many thanks for responding so quickly!
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Identity Fraud Protection Insurance
? I have recently cancelled my Barclaycards after 25+ years due to several issues/problems with them and have opened a new credit card account with Natwest
Reply With Quote
Re: Identity Fraud Protection Insurance
