currently have 3 credit cards - they were all in arrears but my dad has borrowed me the money to pay off all three cards!! I was wandering now, if I can claim for the PPI because I honestly did not know I had it.

Here are the cards, and the explanation:

Eggicon: Owed £1600 balance is now ZERO and account is due to close.
I have looked at the credit agreement, and there is a tickbox to say that I did accept the PPI - but to my knowledge, I did not remember this at all!! There are no terms and conditionsicon of what the insurance is, just a little tickbox to say that I wish to purchase it - I did NOT tick this box!... this was an online application.

Virgin: Owed £1600 - Balance is now Zero and account is due to close tommorow.
I looked at the credit agreement here, same type of thing, the box is ticked but again, no terms and conditionsicon.. this was also an online application

BMI/MBNAicon: Owed £1700 - Balance is now Zero and account is also due to close.
This credit agreement is different, where as this was done by a sales representative!! Now, as far as I can remember, I did NOT choose ANY type of insurance at all - but the funny thing is, I have looked at the agreement and there is NO MENTION AT ALL OF ANY TYPE OF INSURANCE - no tick boxes, nothing. No mention at all - yet it has been added on. I called MBNA and he said that usually, what they did was they automatically added it on - to what I replied, without my consent??

I have used the stage 1 template letter on here and will reply back in due course exactly what is happening. But, what do you guys think are chances of successes? I have added on in the template letters that the agreements that are ticked (Egg/Virgin) that the terms and conditionsicon are NOT in the agreement therefore it has been missold. The other one, (MBNA), I have mentioned that there is NO MENTION OF ANY insurance whatsoever, therefore you have charged me for a service/product I have not even asked for!!

Sorry its so long!! Any help would be appreciated


Cheers

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