Online Credit Card PPI

chrislaa

Hi,

I've been reading up on reclaiming PPI, and I wondered if anybody could help me with a couple of questions I have?

I applied online for a Natwest credit card about 5 years ago, but hardly used it at all until the last 18 months or so. I hadn't realised until recently that I've been paying for PPI in my monthly statements. However, I can't remember ever agreeing to it.

I note that on the PPI advice page it says that it's difficult to reclaim if the application was made online. My suspicion is that during the application there was a pre-ticked box from which I was meant to 'opt out', but I've no idea how to prove this.

I wonder whether anybody else has had any success from online credit card application? Is it significantly more difficult to reclaim your money? Thanks

Premier_2

The reason it's difficult with online applications is that you were not mis-sold as you were not sold to at all; you offered to buy at the terms stated. You were not given any advice, good or bad about the product you alone decided to buy.