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I'm looking to reclaim from MBNA. Sent a SAR request and got a reply this morning. The information they sent goes back to 2007 although the credit card was taken out in 2002. Is it possible they do not have the info prior to 2007 and how do I find out if they do?
On the transactions list they ahve sent me there are :
'POSTED CREDIT INSURANCE FEES' until April 2008, then there are 2x 'CREDIT INSURANCE PLAN COVERAGE' entries and then they seem to call it 'PAYMENT PROTECTION COVER' for the remainder of the card life.
Are these all PPI entries?
Whats interesting is on the CCA they sent me which i'm not sure is even enforceable I have ticked the box refusing Payment Protection Cover.
Also on the documents are entries for
Late fees -£12
Special Cash Interest
Posted Retail Interest
Posted Cash Advance Fees
Posted Cash Advance Interest
Other Interest
Overlimit Fee
Finance Charge (after April 2008)
Can any of these be reclaimed also and if so can I send them a letter along the lines of 'please refund all PPI and charges'? or will they be separate claims?
Thank you
On the transactions list they ahve sent me there are :
'POSTED CREDIT INSURANCE FEES' until April 2008, then there are 2x 'CREDIT INSURANCE PLAN COVERAGE' entries and then they seem to call it 'PAYMENT PROTECTION COVER' for the remainder of the card life.
Are these all PPI entries?
Whats interesting is on the CCA they sent me which i'm not sure is even enforceable I have ticked the box refusing Payment Protection Cover.
Also on the documents are entries for
Late fees -£12
Special Cash Interest
Posted Retail Interest
Posted Cash Advance Fees
Posted Cash Advance Interest
Other Interest
Overlimit Fee
Finance Charge (after April 2008)
Can any of these be reclaimed also and if so can I send them a letter along the lines of 'please refund all PPI and charges'? or will they be separate claims?
Thank you
