Card Protection Plan Limited

Reference number: 311489

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When uk.cppgroup.com first appeared online, and whether it can receive email
  • What kind of line 0344 848 1517 is, and the 2 other firms that give it
  • Who else gives the postcode LS1 5SH
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Other names (6)

If you were contacted under any of these names, it is this firm.

  • CPP UK Trading name
  • Barclaycard Card Protection Former trading name
  • Barclays Cardholder Protection Former trading name
  • HSBC Cardguard Former trading name
  • Marks and Spencer Cardsafe Former trading name
  • Natwest Card Protection Former trading name

FCA permissions and consumer protection

  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (2 permissions)
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent

Limits on what they may do

  • Must cease all regulated activities except for
    The firm must cease all regulated activities except for the following activities: (i) Arranging and renewing insurance contracts where: (a) the insurance contract is part of a packaged bank account; (a) packaged bank account being an arrangement under which a firm provides a retail banking service as part of a package which includes access to other goods and services, whether or not a fee is charged) or (b) the insurance contract is part of a credit card account (a credit card account being an arrangement where a licensee, firm, payment service provider or electronic money insurer enter into a regulated consumer credit agreement with a customer as part of a package which may include access to other goods and services, whether or not a fee is charged); or (c) the insurance contract is an ancillary insurance contract (an ancillary insurance contract being an insurance contract, which is included at the point of inception as part of an insurance package provided by another firm to a customer and which is not sold to the customer as an additional benefit of the home or motor insurance package for which the customer must pay an incremental premium). (ii) renewals of insurance contracts to customers who have a contract in force on 15 November 2012; (iii) administration and performance, including claims handling, of insurance contracts; and (iv) provision of credit information services.
  • The firm must not seek to retain a customer whose
    The firm must not seek to retain a customer whose contract it requesting to cancel their insurance contract.

FCA disciplinary action

FCA action

fine
1
in fines
£10.5m
most recent
December 2013
  • Fined £10.5m on 19 December 2013
    The Financial Services Authority (FSA) imposed a financial penalty of £10.5 million on Card Protection Plan Ltd (CPP). The FSA's action took effect on 14 November 2012 and a copy of the Final Notice, which sets out the reason for the action, is displayed on the FSA's web site and can be accessed using the following link: http://www.fsa.gov.uk/static/pubs/final/card-protection-plan.pdf The reason for this action was that CPP failed to comply with Principles 3, 6 and 7 of the FSA's Principles for Businesses.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
01490503
Company status
Active
Company type
Private limited company
Incorporated
14 April 1980 (46 years old)
Registered office
19th Floor 51 Lime Street, London, EC3M 7DQ, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Luisa Cifuentes Director Aug 1970 6 Oct 2021 None
Andrew Kerr Adam Ferguson Director Mar 1951 7 Jun 2022 8 other companies
Sarah Elizabeth Atherton Director Sep 1981 6 Dec 2024 1 other company
David Morrison Director Jan 1959 13 Oct 2025 7 other companies
Sarah Elizabeth Atherton Secretary Not published 1 Jan 2021 –

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
14
closed down
5
are FCA-registered
2

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 1 company these 4 directors run together
  • All 45 people who have ever been directors, with their dates
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Key dates in its history

Card Protection Plan’s history from the FCA register and Companies House, newest first.

Key events (8) All events (107)

2017

28 June 2017

  • FCA imposed a requirement (The firm must not seek to retain a customer whose)

FCA register

2016

6 April 2016

  • Cpp Holdings Limited took control (75–100% of shares)

Companies House

2015

15 December 2015

  • FCA imposed a requirement (Must cease all regulated activities except for)

FCA register

2013

19 December 2013

  • Fined £10.5m by the FCA

FCA register

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1980

14 April 1980

  • Incorporated at Companies House

Companies House

In the full report: all 107 events

  • All 107 events in its history (8 shown here)
  • Every director appointment and resignation: 86
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Firms connected to Card Protection Plan

Other FCA-listed firms that share a director, phone number or address with Card Protection Plan. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
2
share its phone number
2

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (2), the same phone number (2), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Card Protection Plan

Other firms of the same type (insurance broker), nearest first.

In Leeds

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Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Card Protection Plan

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 107 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Card Protection Plan Limited FCA authorised?
Yes, Card Protection Plan Limited (FRN 311489) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed 2 limits on what it may do.
What is Card Protection Plan’s phone number and website?
The FCA register lists the phone number 0344 848 1517 and the website uk.cppgroup.com for Card Protection Plan. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Card Protection Plan a scam or clone?
Card Protection Plan is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Card Protection Plan?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Card Protection Plan to the Financial Ombudsman Service, free of charge.
Who owns Card Protection Plan?
Card Protection Plan is owned by Cpp Holdings Limited, which holds 75–100% of shares, since 6 April 2016.
Who runs Card Protection Plan?
Companies House lists 4 directors of Card Protection Plan: Luisa Cifuentes, Andrew Kerr Adam Ferguson, Sarah Elizabeth Atherton and David Morrison.
How long has Card Protection Plan been in business?
The company was formed on 14 April 1980, and has held its current FCA authorisation since January 2005.
Has the FCA taken action against Card Protection Plan?
Yes. The FCA register records 1 fine in 2013, £10.5m in total. The details are in the disciplinary section above, with links to the FCA's notices.
Does Card Protection Plan use any other names?
It trades as CPP UK. It has previously used 5 other names, including Barclaycard Card Protection, Barclays Cardholder Protection and HSBC Cardguard.

Sources and links

The full report on Card Protection Plan Limited

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