MBNA Reject My PPI Claim but I feel it is an unfair decision.

[Treester]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Quick Update,

I've just had my SAR pack back from MBNA, but there is no copy of the agreement for PPI. I assume this should be in the pack, because if not how can they proove it was sold to me correctly?

I need to go through the pack in detail as soon as i can find 5 minutes to do so.

Any advice would be most appreciated.

[wilkinss208]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Quick Update,

I've just had my SAR pack back from MBNA, but there is no copy of the agreement for PPI. I assume this should be in the pack, because if not how can they proove it was sold to me correctly?

I need to go through the pack in detail as soon as i can find 5 minutes to do so.

Any advice would be most appreciated.

are you any further forward with mbna

[di30]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Hiya

In regards of the agreement (I understand you have already SAR'd), but have you tried writing to them just to ask for the copy of the agreement by sending them the £1 fee, cheque or postal order?
This is often done separate to the SAR, but saying that, I have done both and the business (not MBNA) have sent the agreement by SAR as well.

If you've not done this and you wish to request for this still, then write to ask to send you a copy of your agreement by 12 days, enclose the stated £1. (The timescale for this is 12 days, although it may take up to 14) with some companies.

Good luck.

[d1anne]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Hi Treester, did you receive your letter and cheque for the £11K from HSBC ?? Are you any further forward with MBNA ??

[Treester]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Morning all,

Just to answer a few questions, yes i've received the settlement from HSBC, they were very quick with getting it sorted and withing 4 working days of putting the letter in, the money was in my bank so very happy with that.

I've not really had a chance to move on with MBNA due to work commitments and just general lack of time. I have set aside tomorrow however to crack on with that and i shall report back!

cheers

Lee

[Treester]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Oh almost forgot! Since the HSBC payout, I have been banging on to every man and his dog to check and be sure they didn't have PPI on any account. Whether it be a HP agreement for a computer, to a loan for a car and a colleague of mine complained to a number of companies he had loans with, and is now the best part of £4,500 better off as of today.

[gaz2006]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Just to mention re MBNA you did say if you were off ill the Critical Illness policy would kick in thats not entirely true CI policies only pay out of you satisfy the terms of the policy ie sometimes they say you have to lose 2 legs in an accident or arm and leg and only cover specific nasty illnesses etc like stroke cancer heart attack and these have to be verified by a doctor if you have car accident and break 2 legs and cant work then a CI policy wont help one iota ..........if you had an Income Protection policy howeve that pays out monthly sum until end of policy or until you go back to work i feel therefore you havent covered all avenues to get a good case at present some yes not all regards gary

[Treester]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Gaz2006, when i mean ill i mean critically ill, i.e. where i'd be off work for 12 months or so. Because its a family business i work for as a key worker, albeit not written into a contract (I dont have one), should i need to take time off for say example, a broken leg, work would cover my costs for that time off sick.

Esentially, the company cannot operate without me, so even if i'd had to employ temporary staff to cover me intitially, i could still take a wage until i came back.

One thing i had forgot to mention to MBNA was i already had a policy in place, that being the one with HSBC.

One other thing that MBNA didn't ask me about was what my household income was. At the time, my wife and i were grossing around £80k per annum with no dependants. Should either of us had gone sick short term, we would have had enough income from one of our salaries to cover running costs. Plus, had it been my wife who had to take sick leave, working for local government, one of the perks was she could take 6 months full pay sick, followed by 6 months half pay sick.

I've put these facts to the FOS now, so its just a waiting game to see what the outcome is.

[gaz2006]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Gaz2006, when i mean ill i mean critically ill, i.e. where i'd be off work for 12 months or so. Because its a family business i work for as a key worker, albeit not written into a contract (I dont have one), should i need to take time off for say example, a broken leg, work would cover my costs for that time off sick.

Esentially, the company cannot operate without me, so even if i'd had to employ temporary staff to cover me intitially, i could still take a wage until i came back.

One thing i had forgot to mention to MBNA was i already had a policy in place, that being the one with HSBC.

One other thing that MBNA didn't ask me about was what my household income was. At the time, my wife and i were grossing around £80k per annum with no dependants. Should either of us had gone sick short term, we would have had enough income from one of our salaries to cover running costs. Plus, had it been my wife who had to take sick leave, working for local government, one of the perks was she could take 6 months full pay sick, followed by 6 months half pay sick.

I've put these facts to the FOS now, so its just a waiting game to see what the outcome is.

I wish you well but remember a CI policy only pays out for certain things a PPI should pay out for almost all except exemptions so you need to be clear in what you say to FOS etc I understand what your saying re family business etc anyway good luck regards Gaz

[Saintredwine]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Hi,
i have read with interest the statements made on this thread with regard to ppi claim rejection. I have recently had my claim rejected and now it is being put forward to the financial ombudsman on my behalf by the company I am using to deal with my claims.

The one thing I did not understand on mbna's rejection letter was the following and would appreciate if any one could clarify this for me or advise on what I could do:

i had the telephone call from mbna as mentioned in an earlier thread and the guy then said that he had a sensitive question to ask me which was" I understand you were diagnosed with breast cancer, which I confirmed was correct and said that I was diagnosed in 2007. In their rejection letter they say that I had stated I had a pre-existing medical condition when I made my application for their credit card in 1994 but this was not diagnosed until 2007 as quoted in my telephone conversation! I am very angry that they are using such a sensitive condition as one of their rejection reasons knowing for well that this would not have been the pre-existing medical condition in 1994!

can anyone advise on how I could approach mbna on this point.

Hazel

[Treester]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

UPDATE!

I am pleased to be writing now, I have received a letter back from the financial ombudsman....................



I have won against MBNA, well in so many words anyway!!!

Without the knowledge and help from these boards, I am pretty certain that I would have given up at the first hurdle.

Basically, the letter says that MBNA are going to offer me a figure as a gesture of goodwill with no admission of liability. Am I to assume that this gesture of goodwill is the figure that is owed to me, or will they try and palm me off with £250 or something? I do have all my SAR's here so I could work out the exact figure anyway.

Anyway, if you are reading this and you feel that the letter sent back to you by MBNA seems unfair, fight it and keep fighting it. Everyone I know, who has had dealings with MBNA all say that they play difficult. I am the first person of my group of colleagues and friends to now beat MBNA.


I shall let you know the figure they present to me!


Lee

[Treester]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

Take your case to the financial ombudsman now Hazel, just be clear and concise when you fill out both forms to them about your circumstances.

[JBB 41]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

This cannot be correct. you cannot possibly have known in 1994 that you would get breast cancer in 2007. I think you ought to go to the FOS - very reasonable and intelligent people in that service. More than can be said for those working for MBNA. Absolutely ridiculous result for you quite honestly.

[TashxxMK]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

MBNA have refused my claim as well as every other person I know that has claimed it.

They challenge everything, I had pre-existing medical problems and there was no way they would ever pay out. They then wanted me to waste my money getting my medical notes, hospital notes from when I had the insurance etc £100.00 easy. Not a chance when they said they would not refund my expenses if I won.

Decided to take it to the Ombudsman, and they dealt with my complaint rather quickly and agreed that I am to be paid the PPI back. MBNA have come back with as a gesture of good will blah blah blah, just waiting for my offer.

I advise anyone to send the initial letter to MBNA, and as soon as you have you refusal letter go straight to the Ombudsman.

Has anyone struggled with New Look?

Thanks

[Angry Cat]

Re: MBNA Reject My PPI Claim but I feel it is an unfair decision.

http://www.ico.org.uk/for_the_public..._guides/health