Thread: mbna ppi

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

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Hi Everton,
did you send Subject access request (SAR) 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

now awaiting SAR to see my next step

recieved SAR today they even returned my postal order what is my next step please

Hello everton,

Did you get everything you requested in your SAR?

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 SAR.

aa

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

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

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

bump

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

thankyou alana

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

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

Hello everton,

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

aa

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

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