Wednesday1867 Vs MBNA PPI (No Agreement info needed)

[wednesday1867]

Long title

At the minute my mind is racing with ways to try and screw over MBNA

My thread explains more Wednesday1867 vs MBNA***WON***

My main questions are, MBNA told me they don't have an agreement for me, they are roughly 2 weeks off committing a criminal offence.

If and when i reclaim unlawful charges and interest, my balance wouldn't be too high.

Now we get to PPI, i don't remember asking or agreeing to it. If they can't produce the agreement, am i in a good position to reclaim all of the PPI and interest?

I did cancel the PPI in March 2006, it was never cancelled, i did ring to complain and they did refund several months and several months worth of interest associated with the PPI, but they carry on charging me for it, so who is to say i didn't try cancelling it in the first year and nothing happened?

I did send a letter today, complaining that they still charge me and it should be cancelled, bad timing tho as my Subject Access Request or sort of sar information turned up today.

So am i likely to be succesful in a claim for charges and PPI if i went about it in post number 27 on my thread?

Any comments or info or even a push in the right way would be very much appreciated.

Thanks

[wednesday1867]

Also, for the entire time i have been with MBNA, i seemed to be over the limit. Now am i right in thinking that if im over the limit if anything happens i cant then claim on it? I seem to think i had a conversation with MBNA saying that and asked for it to be cancelled and again it never was

[wednesday1867]

Does anybody think ive got any chance of reclaiming the ppi back which was added to an over limit account? As i said if im over the limit, the insurance is void, so im paying for somehting i will never be able to use.


Thanks

[itsmeandonlyme]

Hello Wedn,

i think u should try and claim every single charge u have paid....+ contractual interst...

good luck

[wednesday1867]

Im gonna try itsme, its just having trouble getting the statements out of MBNA, they supplid me with a list of transactions, shame they didnt include interest rate or ppi amounts.................. ...

[itsmeandonlyme]

Interest rate and PPI statements should be supplied under Subject Access Request...If they haven't sent you this info than u should sent them Data Protection Act - Non-Compliance - Template Letters and inform Information Commisioner....

they have to provide u the statements of charges including PPI....

[wednesday1867]

Yep, have done the extra 7 days ends tomorrow or Thursday, then i can get some letters in the post

Got an email addy now, so going to bug them on that and report them to the Information Comm. Just rather they turn up, than go thro the long slog of taking them to court...


So cmon MBNA send me my statements.........

[itsmeandonlyme]

Well, give them also a ring....ask them THE question: WHY???))

it helped me)

get friendly with the person on the other line....tell them u understand how busy they r...but you r going to stick with YOU deadline....so when can they send you statements???? or ..if they do not receive them by DATE...u ll submit complaint to INfo Commissioner)

helped me...i did it with a flirting voice with a strong accent))))

[wednesday1867]

Dont think a broad Yorkshire accent will get me far and knowing my luck, would never get a lovely lady on the other end of the phone, prob some jumped up jesse who wants to argue the toss or who knows as much about the credit act of 1974 as i do about the infamous sport of toad tickling in the outback of Australia*

I'll stick to email for now.

Thanks for the interest tho










*Now dont quote me on the toad tickling, might not happen, might be rife, who knows

[wednesday1867]

Originally Posted by wednesday1867

I did cancel the PPI in March 2006, it was never cancelled, i did ring to complain and they did refund several months and several months worth of interest associated with the PPI, but they carry on charging me for it, so who is to say i didn't try cancelling it in the first year and nothing happened?

I did send a letter today, complaining that they still charge me and it should be cancelled

JUst an update got a letter saying thats not how they want to do business and it should of been cancelled, he is refunding the rest plus interest and adding £25 gesture of regret to my account

Wait til i eventually get my statements and i ask for it allllllllllllll back muhahahahah

[itsmeandonlyme]

Great))))like it will help those £25)


Keep fighting)) they will use anything and everything to shut you up)
how long left till 40 days expires?


regards,


Itsme

[wednesday1867]

Hows it going Itsme?

Its expired

Sent Subject Access Request 26 April

Received Transactions 05 June (dated 30 May)

Sent 2 letters and an email, last one gives them to next friday, then its onto court and information Comm. Reason i kept giving them more time, dont get paid til next week and if i persue it thro the court, it will drag just receiving the statements out for possible another 2 months.

Also i can add the standard interest rate to my charges. I need the statements to work out all the PPI charges

[itsmeandonlyme]

Hello you)

Going slow...prelim hearing on the 9th at local court))


Have you phoned them? what have they sad?


regards,


itsme

[wednesday1867]

Nope i havent phoned them, i will next couple of days, any idea if they are open weekends?

Court date soon, does that mean offer or see them in court?

[wednesday1867]

Back to the PPI.

As i have sent the CCA request about 6 weeks ago, they havent provided anything as yet, but im thinking with this breakthrough, i could send them a letter thanking them for doing something that should of been done a year ago then question my request for PPI in the first place. Say something along the lines of

Dear Sir,

Thank you for your letter dated XX/XX and the fact that you will refund my charges back to my original request.

Now thinking back over my banking hostory with MBNA, firstly i dont seem to remember ever reqesting, or signing in agreement that PPI should be added to my account.

Secondly, i seem to remember a member of staff telling me the policy is void, if my account is in arrears or over the credit limit? I seem to think i asked then for it to be cancelled as my account was over the limit at the time and had been for 2-3 months, so meant i was paying for something i couldnt use.

I require, you to send me confirmation or a copy of my signed agreement, asking for PPI to be added to my account, also a list of terms and conditions, relating to the PPI< mainly claiming rights if an account is over the limit.

If you can provide me with this information, i would really appreciate it, if you fail on either aspect, i will be looking to have either the PPI charges plus interest refunded from conception of my account, or just the charges when my policy would of been voided, again plus any contractual interest.

For a company as large as MBNA, i think 14 days should suffice for me to receive this information.

If nothing is heard within the next 14 days, i will act on the impression that no agreement for the PPI exists and i will proceed to claim back all my PPI charges

I look forward to hearing from you


Yours


BLah blah Blah


So this letter would get the ball rolling, while giving me time to wait for the finished Subject Access Request and actuall PPI costs. Obviously they wont provide my acceptance, as they havent provided my agreement yet

ANy ideas anyone, reckon this will do or any tweaks needed.

[itsmeandonlyme]

Originally Posted by wednesday1867

Back to the PPI.

As i have sent the CCA request about 6 weeks ago, they havent provided anything as yet, but im thinking with this breakthrough, i could send them a letter thanking them for doing something that should of been done a year ago then question my request for PPI in the first place. Say something along the lines of

Dear Sir,

Thank you for your letter dated XX/XX and the fact that you will refund my charges back to my original request.

Now thinking back over my banking hostory with MBNA, firstly i dont seem to remember ever reqesting, or signing in agreement that PPI should be added to my account.

Secondly, i seem to remember a member of staff telling me the policy is void, if my account is in arrears or over the credit limit? I seem to think i asked then for it to be cancelled as my account was over the limit at the time and had been for 2-3 months, so meant i was paying for something i couldnt use.

I require, you to send me confirmation or a copy of my signed agreement, asking for PPI to be added to my account, also a list of terms and conditions, relating to the PPI< mainly claiming rights if an account is over the limit.

If you can provide me with this information, i would really appreciate it, if you fail on either aspect, i will be looking to have either the PPI charges plus interest refunded from conception of my account, or just the charges when my policy would of been voided, again plus any contractual interest.

For a company as large as MBNA, i think 14 days should suffice for me to receive this information.

If nothing is heard within the next 14 days, i will act on the impression that no agreement for the PPI exists and i will proceed to claim back all my PPI charges

I look forward to hearing from you


Yours


BLah blah Blah


So this letter would get the ball rolling, while giving me time to wait for the finished S.A.R - (Subject Access Request) and actuall PPI costs. Obviously they wont provide my acceptance, as they havent provided my agreement yet

ANy ideas anyone, reckon this will do or any tweaks needed.

Looks OK,

but a bit soft ... I would threaten them with complaint to Info Commissioner Officer Information Commissioners Office – Information Commissioner's Office.
I had received my statement