As there were so many dates of such occurrences, I will skip them for now, but they are available upon request. Now, since I am looking for people from specifically around Toronto who had experienced same problems to start a class action suite, I would like to state, that I have PDF files recording all CPLI ( from now on ), Hard paper copies, and MP3 recording of all conversations I had a huge misfortune to have with them. To the point. CPLI gets payed for their services every time your CIBC Visa charges you its monthly payemnts, so CPLI fee is there as well. But when you get laid off and even after they approve your claim and making your monthly payments for you, they work VERY hard to not to. To explain: I was told repeatedly to send my monthly report form to an E-Mail which does not exist ( have a proof of that address given to me by them on phone and a copy of a mail bounceback ). Faxing to them will result of them not doing anything neither, and claiming that they did not receive it. Every month, i kid you not. Given first two sour scenarios, I never even tried to mail it to them, because this would be "lost" even easier. Last steam which blew my lid off is when I called them upon them being late, aga, of course, was told they never received it, resent it t othem and when called a day after to confirm that they got it this time, they told me they got it long ago ( first attempt, I suppose ) and already issued payment. Obviously, one of those statements is a lie. Honestly, I think they never lose anything, but keeping back hoping you wouldn't be persistent enough with them so they can skip the payment. On the top of it, their staff will NEVER give you an employee number, so there would be virtually noone to blame or even have a proof that you called them, unless you record them yourself. All sounds like a complaint toward bad customer service, but... it is a fraud. Them stalling your payments all the time results in you getting late payment charges all the time, therefore, deliberate holding back turns into a theft. Wouldn't be surprised if they even have an undertable agreement with CIBC Visa to intentionally be late that Visa can charge you late payments guaranteed, who knows. Never use CIBC Visa Payment Protection Plan. If you had similar experiences, and have proof of those wrongdoings, please do not hesitate to contact me via E-Mail, so we can collect those evidences together. Sincerely, Ilya Makaroff P.S. This is registered under Health and Life Insurance since CPLI is one, and Visa Payment Protection Plan is their side product.