credit card - I ticked the box

[Deleted User]

bonjen3 wrote: »

surely its worth a shot!

It's entirely up to you. Expect nothing, though, and you won't be disappointed.

Catherine_Johnson_2

So, your husband specifically requested PPI, but now you want your money back?

Shame he ticked the box requesting it in the first place then.

-taff

Well, it also depends on why he specifically requested it. If he was advised to over the phone, then fair enough, if he merely chose with no outside influence, then that's different.
Either way it doesn't matter, the bank will invesitgate and we'll see.

bonjen3

Are they likely to still have a recording of his phone call , it was in October 2001 with Morgan and Stanley, or is it a case of his word against theirs?
The card was taken over by Barclays, dont know if they are tough to deal with or not.

I have a copy of the application form, it states "Safeguard your payments" If an accident, illness or involuntary redundancy suddenly robbed you of a living the last thing you would want to worry about is your monthly credit card. Which is where our payment protection plan could help. Covering you for up to 12 months in the event of redundancy, or even longer for sickness and disability, it offers welcome peace of mind for you and your family"

There is no mention of exclusions at all.

Buzby

No - after 12 years, I doubt it! It was there for their security, and not mandatory. Only in the late 2008s did it become a requirement and the max retention period was 24 months - you can safely assume it has been wiped.

bonjen3

Just want to say I got a letter back from MNBA today, saying complaint upheld and a cheque for £1800 is on its way, I am delighted ! thanks for the advise everyone.
Hopefully, my other claims will be upheld too!

dunstonh

The very quick turnaround looks like an autopayout. The figure is certainly within the ballpark of that. Good news for you. Enjoy it.

Vintagevamp

Well back in 1995 I "ticked the box" and was turned down by Barclaycard for that very reason. I was self-employed at the time. Two years later FOS have upheld my claim because they felt that I would not have been likely to have made a successful claim on the PPI and the wording in the original leaflet were not adequate for me to have made an informed decision about whether the PPI was suitable. So yes you can "tick the box" and get your PPI claim upheld!

bonjen3

thats great to hear Vintagevamp, my husband is very easily influenced and is a real "family guy" so when he saw the wording "protect your family against ..." he did exactly that and ticked the box , out of interest did you still have a copy of the original leaflet or did the company supply you with a copy.

Vintagevamp

No I haven't got the original flimsy leaflet. BC sent FOS a copy and they weren't too impressed with it so that is why my complaint was upheld. I ticked the box because I honestly thought that as I was self-employed I would be adequately covered by their policy and less likely to get the card if I didn't. Luckily FOS agreed with me and BC have now got to cough up the lot, and the card is still active.