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  • #1

    MBNA/ PPI

    Hi all

    had a cc with mbna, now with 1st credit
    CCA sent, received and passed to niddy, who pointed out it had PPI on it, sent SAR for details

    have received statements back with PPI showing from end96-end99 dont know why it stopped then as was paying intrest and charges till 2002 when defaulted and sold.
    so question is,

    can I claim the PPI back and how do I do it
    thanks NW
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
    Tags: 1st, charges, claim, claims, collections, consumer, credit, date, default, default fees, defaulted, fees, financial, fos, insurance, interest, letter, letters, list, lost, mbna, mis sold, niddy, notes, oft, ombudsman, paid, pay, phone, policy, ppi, premiums, protection, reclaim, refund, regulators, sar, statements, technical, unemployed, working
  • #2
    Re: MBNA/ PPI

    Originally posted by nightwatch View Post
    Hi all

    had a cc with mbna, now with 1st credit
    CCA sent, received and passed to niddy, who pointed out it had PPI on it, sent SAR for details

    have received statements back with PPI showing from end96-end99 dont know why it stopped then as was paying intrest and charges till 2002 when defaulted and sold.
    so question is,

    can I claim the PPI back and how do I do it
    thanks NW
    Di is the Guru when it comes to PPI - so is probably best to respond, but yes I see no reason why it cannot be claimed back.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment

    • #3
      Re: MBNA/ PPI

      Hiya

      Yes you can, for whatever reasons you have you can make a reclaim on the PPI, by simply completing a complaint reclaim questionnaire, send to the responsible business that set up and sold you the account, and keep copies for yourself as well.

      You do not need to write down the calculations on the reclaim questionnaire, just give as many reasons that may apply to you of why you believe the PPI was mis sold and you wish them to refund you all you paid of the PPI premiums and the relevent interest.

      Reclaim questionnaire here.
      http://www.financial-ombudsman.org.u...stionnaire.doc

      PPI is or should have been made optional.
      They should not add the ppi on automatically, because it should not be made part of the account.
      If you did not know you had PPI.
      If there was a pre-med condition at the time you taken out the policy, then they would not pay out due to this condition, if you were to make a claim.
      You may have already had cover/protection in place, for example, employer.
      You may have been unemployed, etc, the policy is worthless to you.

      The list is endless.

      Hope this helps for now, and ask for further help when required, and post your complaint by signed for/recorded delivery.

      Good luck.

      Comment

      • #4
        Re: MBNA/ PPI

        Hi all

        Mbna have upheld my complaint for the PPI, they are working out how much they think it should be and i should expect to hear from them in the next 12 weeks

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #5
          Re: MBNA/ PPI

          Originally posted by nightwatch View Post
          Hi all

          Mbna have upheld my complaint for the PPI, they are working out how much they think it should be and i should expect to hear from them in the next 12 weeks

          Excellent, Congratulations!

          Sorry to have missed this earlier.

          So chuffed for you.

          Comment

          • #6
            Re: MBNA/ PPI

            Originally posted by di30 View Post
            Excellent, Congratulations!

            Sorry to have missed this earlier.

            So chuffed for you.

            thanks di30,

            they are also looking into my complaint about the excess charges, but I wont hold my breath,
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #7
              Re: MBNA/ PPI

              Originally posted by nightwatch View Post
              thanks di30,

              they are also looking into my complaint about the excess charges, but I wont hold my breath,

              Fingers crossed there then.

              Comment

              • #8
                Re: MBNA/ PPI

                Trouble with MBNA PPI policies if a claim is in place they do not suspend collections on premiums so you end up owing more than when you started at the beginning of claim, and the cover they offer say charge £67 only cost £32 with a proper company off the net, when you complain to the Insurance company they say its MBNA who administer the account not them = MBNA says it is the Insurance company.

                So any would ne peeps who take out PPI with MBNA take heed:-

                1. They are overpriced.

                2. They charge you whilst you are on your sick Bed/ loose your job.


                ===== STAY WELL CLEAR ======
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment

                • #9
                  Re: MBNA/ PPI

                  another letter from mbna, it is taking longer than antisipated to reply to my complaint and they should be in touch by 16/08
                  don't know if this is for PPI or charges ???
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #10
                    Re: MBNA/ PPI

                    If you've had previous letters, they should apply a claims ref number, so if this is the case, this will maybe give you an idea.

                    Comment

                    • #11
                      Re: MBNA/ PPI

                      Originally posted by nightwatch View Post
                      another letter from mbna, it is taking longer than antisipated to reply to my complaint and they should be in touch by 16/08
                      don't know if this is for PPI or charges ???
                      Bet the buggers didn't say what year though? These places must be snowed under with this stuff now and it serves them right, the regulators should be telling these companies to stop pissing about and settle all claims within 6 weeks, hire more bloody staff or move some from where they are doing nowt.




                      Comment

                      • #12
                        Re: MBNA/ PPI

                        what can I say
                        I have today received a payment of £855.00 from MBNA

                        nothing further from them about the excess charges though,
                        thanks for your help

                        NW
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #13
                          Re: MBNA/ PPI

                          Originally posted by nightwatch View Post
                          what can I say
                          I have today received a payment of £855.00 from MBNA

                          nothing further from them about the excess charges though,
                          thanks for your help

                          NW
                          Result - well done indeed!




                          Comment

                          • #14
                            Re: MBNA/ PPI

                            Well Done Nightwatch

                            Comment

                            • #15
                              Re: MBNA/ PPI

                              Originally posted by Flowerpower
                              Well done Nightwatch!



                              ...and just in time for a break in the sun courtesy of my favourite CC company!

                              just what I was thinking, need to go over to spain to check out a residential park selling re-sale mobile homes ready sited from £18,000
                              so that may be the order of the day NW
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

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