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Are you one of two million people due compensation?

Approximately two million people who bought Sentinel card products through their bank or credit card provider will be expected to receive compensation from late September.

The compensation scheme covers both sales and renewals from Affinion, often branded Sentinel, from January 2005. If you are eligible, you will be sent out a claims form automatically by the end of September.

If you’ve not received anything by then and you think you should've been, get in touch with AI Scheme helpline on 0800 678 1930.

With the average annual cost of the card security product being around £25, the compensation could run into hundreds of pounds for some.

Why is Sentinel offering compensation for its products?

One of the features of the card security products was insurance to cover you if your card was lost or stolen.

However, since your bank or card issuer is typically responsible for any transactions after your card has been lost or stolen, this was decided to be unnecessary.

The scheme has also been designed to deal with any other concerns customers have with the way a card security product may have been sold to them.

The products in question are Card Protection; Sentinel; Sentinel Gold; Sentinel Protection; Sentinel Excel and ‘Safe and Secure Plus’. 

I’m not sure I’ve heard of Sentinel or Affinion. Who could I have got the product from?

There are eleven high street banks and credit card issuers that are part of the scheme and you could have been sold the products through. These are:

  • AIB Group (UK) Plc trading as First Trust Bank in Northern Ireland and Allied Irish Bank (GB) in Great Britain
  • Barclays Bank Plc
  • Capital One (Europe) Plc
  • Clydesdale Bank PLC
  • HSBC Bank plc
  • Lloyds Bank Plc
  • Northern Bank Limited trading as Danske Bank
  • Santander UK plc
  • Tesco Personal Finance plc
  • The Co-operative Bank Plc
  • The Royal Bank of Scotland plc

What do I need to do next?

If you are eligible, a compensation claim forms will be sent through the post to you during August and September 2015.

The original compensation claim form must be returned by no later than 18 March 2016 to be considered.  If you don’t send the original claim form back, your claim will be rejected.

It has been suggested by the FCA (Financial Conduct Authority) that you should claim straight away when you receive the form.

You do not need to use the services of a claims management company or a law firm to complete the compensation claim form.

You may have received a letter to vote for or against the redress scheme. If you voted against the scheme, or did not vote at all, don’t worry, you can still claim compensation.

Current product holders should think carefully about whether they want to keep the benefits and the protection the product may provide them before making a claim.

I think I’m eligible, but I haven’t been contacted, what should I do?

If you think you hold one of the products included in the scheme, and haven’t been contacted by the end of September 2015, you should call the AI Scheme helpline on 0800 678 1930.

Customers calling from outside the UK can call 020 8475 3103.

If you threw away or lost the form, phone the AI Scheme helpline to get a new one.

It is best to go straight to the AI Scheme with any queries.  

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  • StarLight20200 / 22 March 2018

    calling you

  • Liz B / 19 February 2016

    Dear Sarah Wilder...I had a Halifax Card Protection Plan and would love to make contact with anyone else who had one!

  • Geoffrey Maxey / 1 December 2015

    Nice analysis , I Appreciate the points . Does someone know where my assistant might get access to a fillable UnitedHealthCare Employee Enrollment Form form to edit ?

  • InsureLearnerDriver / 20 August 2015

    Interesting, we were not aware of this. Goes to show how important it is to thoroughly check the necessity of your product, otherwise you pay the price.

  • Sarah wilder / 20 August 2015

    We took out a Halifax protection card policy will they be compensating their customers