Thread: MBNA PPI.... 'elp!!!

Hey guys!

I have been paying PPI on my MBNA (Virgin) credit card since I took it out with them and never usually take insurance products out at all.

I phoned them to see if I had agreed to it on my application. They have told me that I was contacted by telelphone about 10 days after my card was activated and I agreed to the insurance over the telephone???

I don't recall ever having this conversation and they do not record all calls. It seems strange that IU would ever had agreed to it as I never take insurance. It simply isn't worth the money

Does anyone have any idea where I would stand legally, if neither one of us can prove it either way? They did say on the phone that I shouldn't have left it on there for 12 months if I didn't want it. This is true, but I stupidly only look at the balance and don't go through the transactions (I do now by the way)

Any ideas?

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Thanks buddy! I will have a gander!

Hey everyone!

I have done nothing about this yet, as i don't want to make any balls-ups at this early stage.

should I just send a CCA letter (with £1) and ask them to provide me with an original copy of the agreement (without PPI ticked/signed for) and also provide evidence that I had agreed to it over the telephone?

I take it that, if they cannot supply me with evidence (i.e. a phone recording) that I am within my rights to claim the money back?

Does anyone know if I can apply timescales to this, or is it the normal 12 days followed by a calender month?

Any help appreciated!

Cheers

Thomps

If you want the copy of the telephone conversation, you will have to send a (special delivery) Subject access request, enclosing with it a cheque for £10 for the statutory fee. This entitles you to a copy of ALL information they hold on you under the Data Protection Act am.1998; call notes, transaction history, payment details, everything. There's a template letter in the library - you'll have to adjust it slightly as it refers mostly to bank accounts.

They have 40 days from receipt to comply.

hmmm.... So I have to send another SAR? I would have thought this wold have been covered by the CCA as it is part of the agreement? I guess if I have to send another SAR I must make it perfectly clear what I am after as they don't seem to take any of them seriously!

still not doen anything about this. Have to work on a letter to send them...

but we think it should be an SAR letter as opposed to a CCA -yes?

The CCA only entitles you to a copy of your credit agreement and documents related to the undertaking of that agreement, as far as I can see it - a SAR, however, covers everything they have on you.