Mbna

Tugela

I am helping my son to reclaim his ppi from MBNA
We have received a reply stating that

"during the internet sales process you experienced, information about PPI appears on a separate screen to your credit card application. It would have been clear from this screen that the PPi was a distinct product from the crredit card. In addition, you were offered an option to tick the box to purchase ppi. This option to tick the box would have made it clear to you that you could choose whether or not to purchase PPI. Given that you ticked the box, I am satisfied that you actively chose to purchase ppi and understood that it was optional when you did so."

does this form not come pre ticked?

Should I continue with this claim as they have suggested via the FOS
Thanks

di3004

Tugela wrote: »

I am helping my son to reclaim his ppi from MBNA
We have received a reply stating that

"during the internet sales process you experienced, information about PPI appears on a separate screen to your credit card application. It would have been clear from this screen that the PPi was a distinct product from the crredit card. In addition, you were offered an option to tick the box to purchase ppi. This option to tick the box would have made it clear to you that you could choose whether or not to purchase PPI. Given that you ticked the box, I am satisfied that you actively chose to purchase ppi and understood that it was optional when you did so."

does this form not come pre ticked?

Should I continue with this claim as they have suggested via the FOS
Thanks

Hi there

It was probably already added and it would have possibly been an opt out option and not opt in, may have been missed, but if they will not reconsider then yes complain to the FOS.

Good luck.

the_knitting_drummer

Tugela wrote: »

I am helping my son to reclaim his ppi from MBNA
We have received a reply stating that

"during the internet sales process you experienced, information about PPI appears on a separate screen to your credit card application. It would have been clear from this screen that the PPi was a distinct product from the crredit card. In addition, you were offered an option to tick the box to purchase ppi. This option to tick the box would have made it clear to you that you could choose whether or not to purchase PPI. Given that you ticked the box, I am satisfied that you actively chose to purchase ppi and understood that it was optional when you did so."

does this form not come pre ticked?

Should I continue with this claim as they have suggested via the FOS
Thanks

If you disagree with their decision, then your should escalate to the FOS, if you agree with it you should not. That is the bottom line.

The top line is that if your only complaint point is that you were not aware the policy was optional, then their response is pretty solid and I don't like your chances at the FOS.

You can always chance it at FOS, but I must warn you that some people on here may accuse you of making a fraudulent complaint.

Let's discuss.

Tugela

No it certainly is not fraudulent as my son did loose his job and was unaware he even had this or else he would have used it .....

magpiecottage

Tugela wrote: »

No it certainly is not fraudulent as my son did loose his job and was unaware he even had this or else he would have used it .....

Unfortunately, people do sometimes seem to sign up for things and forget about it.

That does not make it a missale, though.

Sometimes people also sign up for something because they did not bother to read it. Again, not a missale - though possibly a mispurchase.

I am not familiar with MBNA's online applications and of course they may have changed, though.

amersall

Maybe the fact he lost his job and did not make a claim on the ppi, may go a little way to help in your claim?, as you say, he would have claimed this had he known about the ppi.
Dont know if this will help.