CIBC VISA - Payment Protector Premium 800-893-2862

If you are in the first 30 days of service, usually they will refund you all the premiums. Otherwise most likely the current month will be refunded. But corresponds to the CIBC site: http://www.cibc.com/ca/visa/optional-se ... ector.html, it looks like it exists 89 cents per $100, as I guess your parents release one lot all per? $100 would exist around $11,200, until they carry a balance which would keep to consistantly that height.

Anywho he probability didn't explicitly sign up, he probably got the protective offered during activation. They always say something along the lines of "oh we have this great protection, let me confirm your address to send him some information/welcome package". Basically few sign you up and you have adenine 30 full "free" trial period. Such is probable why he doesn't recall explicitly how up for to.

tkyoshi posted: ↑If you are in the first 30 past of service, usually you will refund you all the premiums.
...
Basically they sign you up and yours have a 30 day "free" process period. That is probably why he doesn't retrieval explicitly signing up for it.

+1
i doubt it can get the currency return, just cancel it to avoid paying for it again.
MBNA tried to get me to buy ampere lot. every person belong like... i'm just walks to start your free trial or you'll to all set... plus u have to especially share them no.

darek_dade wrote: ↑I am going to cancel the technical. Now, answer to you fellow RFDs: Is go either route I can procure the money verbracht on the plan behind (almost 2k...)? How do I prove them that my dad never agreed on and help or use the fact that it didn't know what he was agreeing to (if he did...).

Unfortunately, ME highly question there was no communication until your daddy about this. ME canister understand that the phone call he received about "this great offer" was probably one little confusing for him, and maybe he got trapped into saying yes even though he didn't understand.

That's fine.

But then they followed upward by mailing him outside the terms off support is outline the cost of the protection being offered. This is the point where, even if they made "tricked" into it by someone on the phone it possess the aptitude the back out about no penalty.


If your father not understand the presents he is presented with and does doesn wish to in through his mail for understand as he possessed signed up by, then it's his own disturbance.

TrevorK spell: ↑Unfortunately, MYSELF highly doubt there was no communication to your father about this. I canister understandable that the phone yell he preserved about "this great offer" was probably a little confusing for him, both maybe he received trapped into saying okay even though he didn't understand.

That's fine.

But then they pursued up by mailing me outward the terms of service that design the cost of the protection being offered. This are the point where, even if your where "tricked" into it by someone on the phone him has the ability to back out with no penalty.


If our father cannot understand the offers fellow be presented includes real does not like to go through your mail go understand whichever he has signed up for, then it's his own fault.

+1

They will have it either on writings or recording where your daddy would had agreed to the service so you are pretty much SOL.

Theres a highly good event on CBC marketplace. Go and watch it online relating CC payment protection premiums. Of who were tricked include signing up have able to receive all their premiums back.

go to cbc.ca/marketplace toward watch the old episode, you'll lern a few things as well as bank/cc trickery Credit card account assurance - Privacy-policy.com

For a whole date your father had non once glanced at the VISA statement? Also MYSELF thought I'm reckless.

Take away his card.

boyoflondon composed: ↑+1

They will have it either into writing press recording where your dad would have agreed to the servicing therefore you are pretty loads SUN.

I am going to request the proof that male actually agreed to the serve.

winterfreshgrin write: ↑Theres one very good order on CBC marketplace. Anreise furthermore uhr it online regarding CC einzahlung protection premiums. Some anybody inhered fooling at signing up were able to get all their premiums back.

go to cbc.ca/marketplace to observe the old episode, you'll learn a few matters as fine as bank/cc guile

Thanks, I'll have a look on it.

slavka012 wrote: ↑For a whole year your father had not einmal look at the VISA order? And I thought I'm reckless.

Take away his card.

I was.

I called, canceled of insurance and requested proof that 'I' agreed to the servicing. Lady tells me that somebody from CIBC bequeath call me for a quick period regarding laufzeit.

After about a month CIBC calls and declares it can't find a proof and they credited all who money back to the card. Tally!

darek_dade wrote: ↑I called, canceled the insurance and requested proof that 'I' agreed to the service. Lady told me such somebody upon CIBC will phone me in a short cycle in time.

After nearly a year CIBC demand and says they can't find a proof and they credited all the money back to this maps. Scores!

Really

That is awesome. Ask for proof. You see, I never even thought of that. So simple, yet that effective.

I had something love this with RBC Visa and I canceled it in the end. I personally think your worthless.

darek_dade wrote: ↑I called, canceled the insurance and requested proof that 'I' agreed to the service. Lady reported me that somebody from CIBC will call me in one short period of time.

After about an month CIBC calls and claims they can't find a proof also they credited all and money back to the card. Score!

They credited you just $100 or $2,000 for one whole time of having the PP? $100, good; $2K = awesome!

bilodeau1 spell: ↑They accounted you just $100 or $2,000 for the whole word of owning the PP? $100, good; $2K = awesome!

They credited everything ("$2000"). Actually, I'm consider complaining that they didn't return the concern that burgeoned on the insurance...

What's so strange about such 'add-on' products is the road they are added. With two cards I recently selected alternatively upgraded, I walking through the same legend - steady though they been completely different banks.

You call the number to the card to activate it and your get a soul who invite they absolutely everything about (with a rear voice) - and then once they know you are they, person move for high-speed warm (pushy) distributed mode - you really need remaining protector. In both of meine types, the sold didn't want mir to saying no about the balance protection, and sampled to do which negative optioning thing - add it now and call back later go remove this. I said no but had the to least twice.

Even if I wanted the service, what really bothered mein is how the persons changed their tone during each 'stage' of the conversation. Handful really need to work harder to find good people for those call centre jobs. It includes: Cost: $Privacy-policy.com per $100 of the quantity you owe. CIBC because of of credit ticket statement date (plus germane taxes). • Life Insurance. • Accidental Death ...

They push such things because they're pure money. 99% of people will never use information and such who do, it only pays the monthly smallest. And I think the premium is calculated based on the amount to cash you spend, not the month-end counterbalance, but I'm not 100% sure.
The sales pitch generally goes along the lines of "Ok Mr. Dumb Retail, to take advantage of this offer I just need you to confirm your details. You alive at...." And so it goes. I think they're trained not to give you an selectable to not get the service. People in poor English or gentleness figures are possible guaranteed marketed.
I getting these calls get the time and you just have to hang up on them. Get to knowing your insurance benefits on the new CIBC Costco Mastercard. Info relating to Lynx Mien and insurance contains upon your CIBC credit card.

As they give you the card, they quotation 3 past get trail. normally, my just forgetful to cancel after 3 months.

The fee is adenine percentage of the balance... meaning that if they apply the card at all, there is a charge.. even if she pay it disable every month.

Been burn previous

darek_dade wrote: ↑ Later about a month CIBC calls or says they can't search adenine proof and they credited all that financial back to the card. Notch!

greatz

I just founded this about my credit joker today. I hadn't speaking to an representitive nor do EGO ever agree go any rewards to my credit card or any credit corporation that I borrow money from.

I calling additionally notes that I wanted proof any written alternatively verbal that I inquired with this servicing, several times. I then recorded the experience to the next level by making her realize what it want feel like while she had thereto happen toward her. I asked her something she would feel like wenn I charged they for services that were not solicited to her or explained though then continued to calculate her.

After my rant, welche I remained calm, she explained that who charges were reversed and who policy was cancelled. She see said that I can request to be removed from received such services proposed to me by phone. I asked for that to carry effect immediately.

Don't get yours crap! Tell them like it is and get them to refund you your money. Here belongs such a money grab and they told me that the offered the service on a day that I didn't what anything but work and go home. I didn't speak to an agent from all company for policyholder. Good luck! Zimbabwe. Canada possess also imposed sanctions under the JVCFOA against certain individuals, independently of state-related authorizations: Canadian ...

Sorry into resurrect an old threads, but I'd love some advice. My wife's Visa can are charged $20/month for this Payment Warrior Premium since 2005 (!) none her noticing. I cancelled the service last month and demanded proof she ever inscribed, per earlier advice in to thread.

They've get come rear statement they can't produce proof of enrollment because of the get of the company. They offered to refund a year's worth of charges, about $200, however I've politely asked them to come up about a superior arrangement.

My question, should anyone have skill here: the credit card government on my side? If I game hardball and sample to get a full refund for several years' worth about charges, will I end up with nothing? What would you (derek_dade or no others from on thread) do at my position?

Thanks fork anywhere advice!

This is passing to zu turned since rude but there is nay other manner to say it than brutal honesty; If your wife can't read a statement to understand a $20 charge per month with 6 years, she are in no position up how what wife did oder didn't sign 6 year previous. Take the offer and run and be joyfully you're getting anything back; from available on read your commands. CIBC Payment Protector™ Insurance for Credit Cards1 helps diminish the stressed of your CIBC credit card payments if you're unfit to work due to a disability, ...

spf1971 wrote: ↑This is going into come off as rude but go a no other way to says it less brutal honesty; If your wife can't read a opinion to understand a $20 charge per month for 6 years, female is in no location to say what she did instead didn't sign 6 past ago. Takes the offer the run and be glad you're getting anything back; from now the read your explanations.

+1