Barclaycard PPI - No box to agree/decline PPI

[steve235]

Hi all,

 

I please need some advice re a PPI complaint questionnaire I am currently filling in.

 

It's been calculated by my credit company that I have potentially been mis-sold nearly 4k of PPI over the years and I would like to claim it back.

 

I unfortunately don't know the full details of how I took out the credit card.

 

I have got a copy of the credit agreement I signed from Barclaycard and on the form, neither the "I agree" or "I decline" box in the PPI section has been ticked by myself,

but there appears to be a small computer-printed "X" about 1 inch below the "I agree" box.

 

This has been pre-printed before I signed the agreement. It states above the boxes that I should read the enclosed leaflet about PPI before ticking a box.

 

Is the fact that I haven't physically ticked the box a case for PPI mis-selling?

It has been applied to my account without my consent.

 

I can't remember the full conversation with the staff at the bank when I applied as it was almost 10 years ago,

but I know if I had been given the choice or if it was explained to me correctly I wouldn't have opted for it.

And was it right for Barclaycard to assume I wanted PPI without my explicit consent?

 

Is this a strong case for a PPI claim?

 

If anyone has had anything similar, how did you approach the questions on the complaint questionnaire and any recommendations on what to put to help fight my case.

 

much appreciated!

[citizenB]

Yes, IMHO that "X" indicates that the PPI was mandatory. The fact that you did not tick the box means that they should not have included PPI.

 

There were a lot of HBoS agreements that were then managed by MBNA where the documents were presented with the PPI ticked/Marked.

[dx100uk]

YES PERFECT REASON.

 

pers i'd sar them.

 

they obviously have information on you

 

you need all the statements to calculate what you are owed.

 

dx