Thread: mbna ppi credit card

hi,i had a outstanding balance on my MBNA credit card of £10000,i couldn,t pay it so they sent it to DCA,i was going to cca the DCA to see what they came back with,but in the the mean time i S.A.R mbna and i,ve paid them £2000 in PPI,as i have been self employed for the last 20 years,i think i have a case for it been mis sold,so heres my question,(1)do i chase mbna for the ppi (2)tell mbna to knock it off what i owe them(3)cca DCA to see what they come up with and if they don,t have anything should i just forget about the ppi.

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You cannot ask MBNA to knock anything off the Credit Card as they no longer hold the debt. What you will need to do is to claim your PPI and also the charges from MBNA and then you can use that to offer the DCA a payment that you are going to pay in Full and final settlement for the debt as they did not pay MBNA all the money for the debt (I think I read it somewhere that they pay something as low as 15 or 20%).

Hope this helps.