American Express Insurance Services Say "NO"

rowdyangel

Hi all,

after my recent success with 2 MBNA PPI reclaims I received a letter a couple of days ago from American Express Insurance Services regarding the reclaim form I submitted a few weeks ago.

They say in their letter to me:

"I confirm that you enrolled in the American Express Repayment Protection Plan during a telephone conversation with an American Express Customer Services Representative. No Cardmembers are enrolled on the American Express Repayment Protection Plan without an express request from them and confirmation from the Cardmember that they are eligible for the cover in accordance with the Terms and Conditions shown at the time. I have had the opportunity to listen to the call in which the product was sold to you and I am happy that the sale was made fairly and with your full consent."

What I need to know is:

a) Does a telephone conversation constitute an agreement for the PPI?
b) Is it really likely that they have listened to the call given that they haven't quoted an actual date that I supposedly 'agreed' to the PPI?
c) Do I have the right to demand a transcript of the telephone conversation?

I am a bit dubious about their reply. I work in a call centre environment where we have call recording but we only keep the calls for a certain length of time. I applied for this card around 2006-2007 and I highly doubt that they would keep recordings going back that far.

Any advice on the next steps I can take would be greatly appreciated, especially by someone who might have had the same sort of response.

They have also stressed that this is their final response regarding my complaint so it looks like the FOS is my only hope.

Many thanks.:(

amersall

Ask them for the recording, say you need this to send to the FOS as you reject the reason for not upholding your claim, and give them 14 days to respond to this, if they do not then take it FOS, keep a copy of the letter asking for the recording so you can send this to FOS.