MBNA rejected my PPI claim

[blackhorse9989]

hi there,

hope some one can help me with my MBNA claim.

Although my accounts are settled in 2010, Im sure that i had PPI on both of my Cards (MBNA & Virgin). So, I have applied for PPI claim and SAR on my MBNA account in July 2013. i have received SAR couple of days ago and PPI claim rejection letter today (which i assume is standard templete that is sent by MBNA to most).

What i can see on my Credit card agreement (which was sent in SAR ) is that there is no tick on '' payment protection cover'' but when i thoroughly went through all the paper work (call notes of MBNA e.t.c) i found a note written as '' PPC SOLD ECG VERB DISC'' & on the additional comments page as '' CRM: PPC STANDARD Solicited''. Doesn't this mean that they sold me PPI during a phone call ? Statement pages of SAR doesnt show any break down of payments made. All it says is ''payment received thank you.......£x''

Can someone please advice me on this..and how to proceed further....whether to write to MBNA or Pass it to FOS to look into it.

Thanks

[Bill-K]

Re: MBNA rejected my PPI claim

Hi Blackhorse. It certainly does look as though PPI was sold to you by MBNA during a phone call some time after the account had been opened. You may remember such a phone call, but PPI was often added to credit card accounts without the cardholder's knowledge or consent, and entering a fictitious phone call in your records would not surprise me.

Your statement copies should show all transactions, and any PPI should be shown as a regular monthly charge. If your transactions are not shown, then you can't see when - or how much - you were charged PPI. I suspect that the lenders are now deliberately sending out non-itemised statement copies with DSAR's in order to make it difficult for prospective claimants. I would write and demand that they send you itemised statement copies. Don't mention the apparent phone convo as yet, though - wait and see how they respond to your PPI claim first.

I don't suggest you refer the claim to the FOS until you have exhausted every possibility with MBNA, first. The FOS will usually take a very long time to deal with PPI claims - usually many months - often years !!!

[blackhorse9989]

Re: MBNA rejected my PPI claim

Thank you for your advice Bill-K.
I will definitely write to them for itemised statement copies. Is there any template to do so ??

[Bill-K]

Re: MBNA rejected my PPI claim

I'm afraid we don't have a template for this as yet - it has only become apparent to me recently that this seems to be a new trend. This is a recent example:-

Data Subject Access Request - Pursuant to the Data Protection Act 1998

Thank you for attending to my DSAR, and for your letter of XX/XX/XX.

Thank you for your invitation to contact you if I have any queries relating to the data, and I will take you up on that, if I may. The data supplied does not include copies of itemised statements, yet I would have expected it to be a requirement that you hold this data. There is a summary list showing monthly account balances, but no detail of transactions. Please would you send me copies of itemised statements.

I thank you in anticipation of a prompt and full response and compliance.

Yours sincerely,

[blackhorse9989]

Re: MBNA rejected my PPI claim

Thanks Bill-K, i will post the letter today and will update you the outcome.