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Card Protection Plan (CCP) Associates/Citicard holders


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I have been looking at the policy which appeared to be standard for card holders.

There was a fixed charge in 2002/2003 of £20.00

I am looking as to whether these were questionable under PPI criteria investigated by the OFT.

 

The first years payments were taken by monthly payments against the account.

In the second year customers were notified that renewal would be automatic with one payment being taken.

I am looking at whether the monthly payments attracted interest when the account fell into arrears,or whether interest was calculated at all.

 

I have contacted CCP informing them that I will be looking into the policy.

They have responded stating that they do not hold any records for customer accounts beyond 6 months,which I find quite astonishing in particular since Policies run on a yearly basis.

 

I have responded that I require a final response and should I need to send a SAR,that I will be demanding an explanation as to when the data was disosed of,by what means,and who by.

They are required to supply this information.

 

In any event,I have the reminder letter of 2003 which advises of renewal,also the debits on the Citi statements with the CPP reference.

Its only £40 plus interest so I cant understand why they would wish to stall things.

Should I take it to court it could potentially cost them a couple of hundred quid,which I have pointed out to them.

 

If anyone wants contact details for these-I have them.

If there is enough interest from members,I will make this a stickie.

 

 

Martin

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 years later...

CPP are still in business,and being investigated by the FSA.

I dont know why the FOS were unable to assist you.We will be adding more about this in here soon.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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