Hi, I’m after a bit of advice. I have sent a letter to MBNAicon credit card for a refund on my PPIicon (I am self employed so not eligible for PPI so definitely mis-sold).

I have now had a response from MBNA saying that they became the service provider of this account in June 2005 before that it was HBOSicon. HBOS confirmed to MBNA that the cover was applied following my request at that time and you had 30 days to say if you did not meet the requirements. However they have offered a goodwill gestureicon of £891.93. As the account was administered by HBOS prior to 2005 they said I should take it up with them.

I have asked them for documentation which has not been provided as yet, just wondering if anyone has any thoughts? :-|