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


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.

We have not yet assessed the way that policies were sold to individual customers or whether they are entitled to compensation. We will do this through a scheme of arrangement (the 'scheme').

In November 2013 we sent letters to all customers who are eligible to take part in the proposed scheme and invited them to vote. 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.

Between 10 February 2014 and 26 February 2014 we will send letters to all customers who are eligible to take part in the scheme and invite them to claim compensation if they wish to do so. If you have not 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

Do not complete and return the form if you do not think you have been affected by the issues described in the letter and do not wish to claim compensation. You do not need to do anything further and we will not contact you again. If you complete and return the form to us claiming compensation, your policy will be cancelled.

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.