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Mbna Ppi - Payments Made By St Andrews Insurance Does Not Cover Monthly Payments
Can anybody tell me if they have the same problem as my wife regarding PPI administerd by MBNA, SHE IS CLAIMING FOR redundancy BUT THE INSURANCE REPAYMENTS FALL SHORT OF ACTUAL MONTHLY PAYMENT REQUEST? yet MBNA still take the full amount of insurance cover payments every month, When you take out PPI it is suppose to cover your monthly payments, by the way she has not used her card since putting in a claim on her PPI, SO THAT IS NOT THE ANSWER, so is this a mis-sold product? MBNA baically do not want to know, just keep saying it is nothing to do with them, They instituted the insurance, they take the over priced premiums, yet they refuse to talk to st andrews regarding late and low payments, but the baSIC ORIGINAL AMOUNT HAS INCREASED BY OVER £1,000.00 since the insurance so payment protection has not done what it was suppose to, and the arrogance of MBNA goes on, even St Andrews will not talk to MBNA, JUST SAY THAT mbna ADMINISTER THE ACCOUNT.
Re: Mbna Ppi - Payments Made By St Andrews Insurance Does Not Cover Monthly Payments
Hello mike,
Can anybody tell me if they have the same problem as my wife regarding PPI administerd by MBNA, SHE IS CLAIMING FOR redundancy BUT THE INSURANCE REPAYMENTS FALL SHORT OF ACTUAL MONTHLY PAYMENT REQUEST? yet MBNA still take the full amount of insurance cover payments every month, When you take out PPI it is suppose to cover your monthly payments, by the way she has not used her card since putting in a claim on her PPI, SO THAT IS NOT THE ANSWER, so is this a mis-sold product? MBNA baically do not want to know, just keep saying it is nothing to do with them, They instituted the insurance, they take the over priced premiums, yet they refuse to talk to st andrews regarding late and low payments, but the baSIC ORIGINAL AMOUNT HAS INCREASED BY OVER £1,000.00 since the insurance so payment protection has not done what it was suppose to, and the arrogance of MBNA goes on, even St Andrews will not talk to MBNA, JUST SAY THAT mbna ADMINISTER THE ACCOUNT.
If the PPI insurance does not cover the PPI repayments IMO the PPI has been mis-sold.
Time to send a Subject access request to MBNA asking for a true copy of your Consumer Credit Agreement, terms and conditions, statement of account, customer needs and wants questionnaire or customer duty of care questionnaire and all associated records applicable.
The statutory fee is £10.00 and they have 40 days to respond fully. Do not be fobbed off with an answer such as it is not us it is St Andrews insurance as this is now happening frequently where the lender blames the insurance underwriter and vice versa. If the paperwork is mbna then deal with them by letter.
Once you have the information you can start your fight. You have made claims on the PPI but you will need to check to ensure the terms of insurance would cover the total monthly loan repayments required if they do not then the insurance has been mis-sold and you should reclaim the PPI premiums with any interest applicable.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Re: Mbna Ppi - Payments Made By St Andrews Insurance Does Not Cover Monthly Payments
I have a feeling that the original PPI was as a result of a phone call, I will have to check with the wife, if any paperwork was received and what if was. Thank you for your respose.
I too have noticed that MBNA and St,Andrews play the its-not-us-its-them so I agree with alanalana and try and get something in writing - St.Andrews are the under-writers and they take instruction from MBNA - how they apply it, is also another matter
Currently I have 2 outstanding claims with them and they are fighting shy on the second on a "technicality". More on this later, if I get any joy.
Get it is writing and if you have telephone do NOT use the 0870 number. Thanks to www.saynoto0870.co.uk
I found St Andrews Insurance 0870 8506850 01372 479494 0800 337337
Is this demands and needs used in every case for loans, mortgages etc? Also could you please post up a link to where this demands and needs link came from it could be of great use to the greater CAG community.
aa
sorry to hijack Mike
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
The best way to Google Websites, and find information, is to use the elemental words site: and filetype: followed by the name of the site (or domain like .uk) and File Type extension (like pdf or doc or ppt)
This is how I found it. You may find this useful. (Use Advance search under Google for full explanation)
EX: To find mbna's x3 Public Data Files (.pdf) currently accessible via robots use
Code:
site:wwwa.mbna.co.uk filetype:pdf
inside Google
If you want to find the word Personal accessible on mnba.co.uk, type
Re: Mbna Ppi - Payments Made By St Andrews Insurance Does Not Cover Monthly Payments
Super post Richard. I will try and utilise this to help others
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Re: Mbna Ppi - Payments Made By St Andrews Insurance Does Not Cover Monthly Payments
Hello Mike,
just fill in the blanks and sign attaching all the evidence ie copies of all correspondence both ways with any other information you have.
Then it's just a waiting game. If however you get more by post be sure to forward it on with a covering letter to the fos.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Re: Mbna Ppi - Payments Made By St Andrews Insurance Does Not Cover Monthly Payments
All they asked for was persons name. address, policy No;- there were no attachments to the e.mail. She has had RMA leaving messages to ring them by 9p.m. to-night, well she will as they are after arrears, but of course the payment from st. andrews never covers what they say they need. Will pursue all channels against MBNA if she agrees and get all I can out of them ignorant baboons?
Mbna Ppi - Payments Made By St Andrews Insurance Does Not Cover Monthly Payments
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Re: Mbna Ppi - Payments Made By St Andrews Insurance Does Not Cover Monthly Payments
) have published their Demands and Needs on 
