mbna ppi

[everton2005]

hi i wrote to mbna on28/1/08 for misold ppi i received a reply on the 4th febuary saying they will provide me with a full response within 28 days which has passed with no further communication how long do they have to deal with this issue and what is my next step many thanks

[alanalana]

Hi Everton,
did you send Subject Access Request (Subject Access Request) with the statutory fee of £10 as the request for the data.

If you did, then they have 40 days to respond fully or you can claim non compliance with your request.

Data Protection Act - Non-Compliance - Template Letters

My advice would be check out some of the other threads within PPI forum. Read up on some of the material available it is a good help with establishing your case and finding out the information you need.

Also follow some of the other peoples threads on dealing with the same organisation there are severeal preparing to claim against MBNA.

Good Luck
aa

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[everton2005]

now awaiting Subject Access Request to see my next step

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[everton2005]

recieved Subject Access Request today they even returned my postal order what is my next step please

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[alanalana]

Hello everton,

Did you get everything you requested in your Subject Access Request?

Check all the documentation you have received. I am not sure on what grounds you are claiming missold PPI but you need to check every document they have sent. Little things like dates i.e. have they signed and dated the CCA before you. Also look at the Loan Customer duty of care checklist to see what they have discussed or not discussed with you i.e Pre Existing medical conditions, full cost of the PPI etc. Compare the documents CCA etc with any documents you already hold. The wording must be the same on each of them but not necessarily in the same format or layout.

If the Documents back up your case then depending when you took out the loan and I am assuming it is PPI on a loan the next step is to lodge a complaint with the Financial Ombudsman Service for Loans with PPI after 2005 or Court if the loan was before 2005.

You will need guidance from others if you got the Court route, I could not advise as I have not been down that route.

I havn't got as far as you yet as I am still waiting for full response to Subject Access Request.

aa

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[everton2005]

hi alana its ppi on my credit card i have added all the money i have paid to this now i need a letter to send off to tell them what i am reclaiming thanks

[alanalana]

Hello everton,

ok, well good luck with your claim. I will watch for posts to see how you get on.

Don't forget to ask for the PPI and the interest on the PPI and any statutory interest you are due.

aa

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[everton2005]

can anyone please post a letter up that i can use as my next step

[everton2005]

bump

[alanalana]

Hello everton,

I am not sure if there is a standard template for reclaiming PPI. If you search around the PPI threads you may find a letter someone has used that could suit your purposes.

If I find anything I will post for you.

regards

aa

[everton2005]

thankyou alana

[alanalana]

Hello everton,

I am not sure if this will help you to put a letter together but if you check out post no 2 on this link you may get an idea of what you want to ask for......alanalana PPI claim against RBS (looking for some help) please

You will see my attempt and a better version from hellhasnofury. Just change the wording to suit your own case.

Hope this helps

aa

[everton2005]

quick update i have worked out all the charges owed to me and have fired a letter off to these people requesting a refund within 14 days or further action will be taken lets see what happens next

[alanalana]

Hello everton,

let's hope the response is a positive one for you.

aa

[everton2005]

i aim to go straight for the throat and get them in court

[alanalana]

Hello everton,

make sure you get all the advice from stickies and threads and always double check with the legal thread there will always be some nice mod to assist you to get your N1 and stuff prepared.

aa