first success

[dizzyking]

I have been reading the threads on this site for a couple of months now, I have started to try and take back control on my finances, I just wanted to let you know that with the help of the template letters, I have had my first success, and it only took one letter from me. MBNA I have just received a letter from agreeing to refund all ppi paid. yippee.

thanks guys

[TUTTSI]

Re: first success

Well done Dizzy, that should give you the confidence to continue with sorting out your finances.

Tuttsi

[Amethyst]

Re: first success

A great start Well done.

[Sapphire]

Re: first success

Fantastic, congratulations.

[WendyB]

Re: first success

what letter did you send MBNA? Any chance of a copy, as when I asked them they told me to bugger off lol. Although they were easy enough to reclaim charges from.

[MIKE770]

Re: first success

I have been reading the threads on this site for a couple of months now, I have started to try and take back control on my finances, I just wanted to let you know that with the help of the template letters, I have had my first success, and it only took one letter from me. MBNA I have just received a letter from agreeing to refund all ppi paid. yippee.

thanks guys

Well done dizzyking, good one.

[dizzyking]

Re: first success

what letter did you send MBNA? Any chance of a copy, as when I asked them they told me to bugger off lol. Although they were easy enough to reclaim charges from.

Wendy, this is the letter that I sent them.

Account Numbers: xxxxxxxxxxxxxxxxx

I have been reason to believe that I was mis-sold payment protection insurance. Due to the fact that both myself and My Husband were self employed at the time, also we did not agree to this insurance as it was not charged to our account from the start, it just appeared on the statements.

What I expect from you is justification that the policy was suitable for me based on my circumstances and an explanation as to how your suitability criteria works. If you cannot justify this to my satisfaction I request a full refund of all premiums paid to date as well as interest on these payments.
As I believe I have been deprived of this money I also expect an interest element to be added to each sum, at a suitable rate and using a suitable calculation method, as a compensatory gesture.


I expect a swift response to this letter within 14 days, containing either your full justification or notice that you will be refunding these payments.

If I do not receive a satisfactory response I will issue another letter notifying you of my intention to take further action if the matter is not resolved within a further 14 days. After this limit has passed I will be either contacting the Financial Ombudsman to investigate my complaint or issuing court proceedings.

Yours faithfully,


I have sent the same letter to egg credit card, but still waiting for a response from them.