PPI reclaim for MBNA CC - grounds for claim?

[lowlowlola]

Hi All

hello - am new to this bit of the forum :tinysmile_grin_t:

I had an MBNA credit card from late 1999. the card had PPI and am wondering if i have grounds to claim?

timeline

• I am unsure how the PPI was put on i suspect it was part of the application process which was a postal process in those days.
• I recall trying to cancel it as soon as i got the card but was dissuaded by the person at the end of the phone
• I then merrily paid about £30 PCM until about 2005 when I called again to cancel. I remember the woman at the end of the phone was having none of it and was very aggressive in her selling technique, i compromised and had PPI at reduced rate of £15pcm
• I then got into difficulties and entered a DMP. They continued to charge the reduce rate. It took two letters (i still have them) and they finally took it off
• in 2007 it mysteriously went back on again more letters and they took it off in 2008 ( i have their letter confirming)

additional information

• I am not sure if these are grounds but i do feel that i should not have had it in the first place as my employer gives six months sick pay at full pay and six months at 1/2 pay also my redundancy package is 1.5 x weekly salary for each year served up to 20 years so PPI would i assume have not been needed, i still have a copy of my contract from the time i applied). Had i been "allowed" to cancel when i first got it this would have saved me thousands
• also on the MBNA claim for they ask for other means of payment - i had no real savings would that matter
• as I was in a DMP the debt was eventually sold on and has been passed to numerous DCAs ever since. therefore if successful am i right that MBNA have no claim to the cash?

advice would be appreciated

LLL

[di30]

Re: PPI reclaim for MBNA CC - grounds for claim?

Hi and welcome to this part of the forum........

Have you tried requesting for your info/paperwork under the Subject Access Request (SAR) template letter?

If not and you wish to do this let us know and we can post up the template letter for you, you will have to enclose the one off payment of £10 cheque, and they have up to 40 calendar days to comply.
Hopefully within the SAR will be the evidence you need, ie: the recorded details of the phone call, if you do then you send them copies of this to prove to them you did try to cancel - along with your reasons.......

In regards of the debt being sold on may I ask who with? If the debt is not within the MBNA collections but was fully sold on and assigned through another, for eg: cabot, Apex etc, then any refund should be rightfully your's.:tinysmile_twink_t2:

[Victoria27]

Re: PPI reclaim for MBNA CC - grounds for claim?

Hello and welcome.

Excellent advice from Di, as always.

I agree 100%.

Good luck and, please, keep us posted.

Victoria