A+ | Reset | A-

This website provides important information for customers who bought a card or identity protection policy through us (CPP), a bank or card issuer.


The Bar Date for submitting a claim was 30 August 2014.

As this date has now passed we are not able to consider any claims further. However, under the terms of the scheme, the bar date will be extended if any of the following exceptional circumstances apply:

1) if customers were out of the country for at least six months between 31 January 2014 and the Bar Date;

2) if customers suffered from a certified medical condition such that it was unreasonable to expect them to respond before the Bar Date; or

3) if the scheme asked customers to re-submit their claim form because it was not completed correctly (prior to the bar date) and the deadline we gave to return it falls after the Bar Date.

If exceptional circumstance (1) or (2) apply, customers may still be able to submit a claim and they can confirm this by letter (enclosing supporting documents) to Scheme Processing Services Limited, PO Box 250, Wymondham NR18 8DG. Information about the appropriate supporting documents to provide can be found in the FAQs section of this website. Customers must ensure we receive their written requests on or before 28 February 2015.

If exceptional circumstance (3) applies, we will have already advised customers of this when sending the a new claim form, and customers must return their completed claim form within 30 days of the date we informed them of the need to complete a new claim form.

Please note, now that the scheme bar date has passed, all references on this website to the scheme being open are no longer current.


The Financial Conduct Authority (FCA) (previously named the Financial Services Authority) has required us to write to eligible customers as they may have been mis-sold a card or identity protection policy and be entitled to compensation.

In November 2013 we sent letters to all customers who are eligible to take part in a proposed scheme of arrangement ('scheme') and invited them to vote on whether or not a scheme was an appropriate way to review policies and pay compensation if appropriate. The meeting of the scheme creditors was held on 7 January 2014 and the scheme was successfully approved by customers who were sold or renewed a policy since 14 January 2005. Votes were cast by 18% of those eligible to vote and of those who voted, 98% of votes were in favour of the Scheme.

The High Court sanctioned the scheme on 14 January 2014. The scheme became effective on 31 January 2014, when the Court order sanctioning the scheme was filed at Companies House. The scheme is now the process by which claims will be assessed and, where appropriate, compensation paid to customers.

In February 2014 we sent letters to all customers who are eligible to take part in the scheme and invited them to claim compensation if they wished to do so. If you have not yet received a letter please see information here. Please note that if customers wish to claim compensation they must do so by returning an enclosed original form to us (not photocopies), to be received by us by 30 August 2014. You can find further information on how to claim here

If you return a form to us and a claim is processed your policy will be cancelled. If you do not wish to claim compensation, or wish to keep your policy you do not need to return your form and do not need to take any further action.

If you are a customer eligible for compensation under the scheme and you have been made bankrupt at any time since you took out one of our policies you should contact your official receiver or trustee to advise them whether you intend to claim, have claimed or have received payment from the scheme.

If you would like to view the Scheme Document or Explanatory Statement, or other documents relating to the scheme, please click here

Please refer to the links on this page for further information

If you have been contacted by telephone regarding the scheme, please click here for further information.