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Just by chance I checked my credit card statement and noticed that a company called CPP had taken a payment. I had no idea who they were as this is a 0% card which I dont make purchases on.

The short story is that I contacted HSBC who told me to call CPP. After lodging a complaint as I didnt know who CPP were and asking them to cancel the policy I received a letter today saying I should contact Barclaycard as it was them who apparently sold me the policy and to assess if I am due a refund.

 

Apparently I agreed to this policy in 2010, I have no recollection of CPP or any type of card protection as I know it isnt needed. At this time I was at a previous address and CPP stated that they had sent me a renewal each year but to my old address and it was my duty to inform them if I moved. I have no idea how I could inform them if I didnt know that I had a policy or even if I did I would have thought it was through Barclaycard and not CPP.

 

Now if I did purchase this through Barclaycard and they used CPP for the product surely it would have been Barclaycard who should have informed CPP of the address change when I moved to my current address as I wouldnt have known that it was CPP providing the service.

 

 

Im now prepared for a to and fro between the two

Edited by someonenew
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CPP is an insurance against identity theft, loss of credit/bank cards even loss of keys. The premium is paid once a year, the company providing it have been fined 10.5 million for mis-selling as generally the consumer had cover elsewhere several banks have stopped selling it [was usually sold when you activated your card] , so yes contact barclaycard to claim refund as CPP themslves are in financial trouble

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