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MBNA PPI outcome

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  • MBNA PPI outcome

    Hi Guys,
    please may I ask for help from anybody else who has had experience with MBNA PPI.
    I took out PPI on a Credit card in 1998, card running until 2015.
    i applies for PPI just before the deadline.

    It has been delayed many times, a few days ago I received letter with the a questionnaire to fill out. I haven’t had chance to finish this yet to return but today have reciwved a refusal.
    Based on it was a Postal application which you purchased PPi on same day.

    We did not provide any advice or recommendations when you purchased the policy

    The conditions stated you had to be 18-65 and a UK resident in permanent employment. I have checked our records and am satisfied but you were.

    at the time you purchased it was 68p per £1.00 of the statement cost. If you made a successful claim the policy could cover at least 3% of the balance in a statement period. This could have been paid for up to 12 months per unemployment claim .
    in the event of a claim it would have been paid until you returned to work.

    i believe you would have received benefit from the PPi policy in the event of sickness, unemployment or hospitalisation and umm not persuaded at the time that’s you had sufficient meanS to cover long periods of payments if needed.

    in Addition

    Any other sick pay or benefits wouldn’t have prevented you from making a claim under the policy

    There were no other terms, limitations or exclusions which were likely to have prevented you from making a claim under the policy

    you could cancel at any time.


    so heres the situation they have awarded Plevin however I suffer from epilepsy and am unsure if this would have invalidated the cover ? Also would a postal application have asked me for any medical conditions back in 1998 I just can’t remember ?

    Thankyou for any help or advice advice you can give x

    Tags: None

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