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reclaiming bank charges

Does anyone know if the bank had an obligation to disclose any exclusions to travel insurance provided on their pay for bank accounts prior to 2005?
i am trying to claim fees back due to preexiating med condition and bank are aying they had no requirement to discuss any exclusions. They also say there was no exclsions pre 2005 which seems a bit contradictory!
do i take this further?
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