Canada Square & MBNA CRP/PPI Rejection

A question about : Canada Square & MBNA CRP/PPI Rejection

Apologies as I'm new to this forum so apologies as I've posted in the wrong place or have asked a question with an obvious answer!

I'm looking for some advice on as after reading about PPI reclaim on here I decided to claim on past loans and credit cards.

I've had a success with Barclays but have recently had two rejection letters from Canada Square Operations (on an Egg card) and MBNA (on a Virgin card) based on following:

1. CANADA SQUARE:

Card was opened in 2001 via their website, they gave the following reasons for rejection:
1. Did not require you to take repayment insurance as a condition of obtaining the card.
2. Did not provide an advisory service.
3. Required you to positively confirm that you wished to purchase this policy during the application.
4. Provided full terms and conditions of the policy and requested you read them before submitting.

Trying to recall an application I made 14 years ago is difficult but I know I would have never knowingly taken out CRP/PPI and have read a lot around the fact Egg used pre-tick boxes that made it near impossible to complete the credit card application without purchasing the insurance.

2. MBNA:

Card was opened in 2003 via their website, their letter is fairly lengthy but in essence it is the same reason as Egg. I wanted to post links to photos of the letter but as new user I can't put links in my post.

Again I would have never knowingly signed up for any additional services and have read similar discussions to Egg about the pre-tick boxes practices.

So I’m really looking for any advice on whether I can pursue these claims any further, thanks in advance for any help!

Best answers:

• Banks know when they used pre-ticked boxes and when it was removed - their records indicate you opted for the PPI i.e. ticked a box to say you wanted it - unfortunately on the balance of probabilities, their evidence trumps your memory (if you think about it, anyone could claim they never wanted it and if it was just down to that then everyone would win!)
  You have 6 months to refer to the FOS - firms might autopay to avoid FOS fee and you get something back by default, if the PPI amount owed was high expect them to defend it by showing you ticked a box
• Thanks Nasqueron, its so very true regarding everyone saying the same thing about not wanting PPI!
  So would you suggest I refer to FOS and hope for the best - I'd like to try to get the claim upheld but I'm realistic it may not happen but I never thought I'd get anything from other claims but did so feel like it is worth pursuing.
  Thanks again for your help!
• Entirely up to you if you feel it was not appropriate for you, the FOS queue will be about 18-24 months unless bank autopays so don't expect anything and a win would be a nice surprise
• I've got the same letter from Canada Square, think I'll refer to FOS, don't agree with their argument of non-advice and pre-ticked boxes.
• Or if you can show you had no need of the insurance....