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Mbna ppi


Brunowales
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Hi All

Just got my SAR back from MBNA. CC taken out 1998. Defaulted 2003. Informed no CCA which is good to know as DCA chasing and have been cca,d.

 

My question is the statments show payment protection insurance as well as penalty fees for late payments and over limit. Is it too late to claim these back?

 

Many thanks

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probably not

but penalty charges that are not as a direct result of PPI might be.

 

 

a long read but:

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?372400-MBNA-PPI-Award-“Interpretative”-Calculations&highlight=MBNA+PPI

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 years later...

I am currently in process of claiming back PPI on a MBNA card - they have tried ringing me last week regarding this having already confirmed there is PPI on the account. I have noticed in my SAR that I was charged numerous times for over limit and late fees these ranged from £15, £18 and £20.

 

Couple of questions please - is it wise to talk to them on phone as I have heard they cam be quite awkward. Also can I claim back fees?

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You can reclaim then. You may have a struggle, but they can be reclaimed. And when it comes to financial info, always do it by post, unless you have the ability to record the phone conversation in full.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I would await the result of the PPI claim

hope you used a spreadsheet and the FOS questionnaire, not simply a speculative letter.

 

you may well find some of the charges are refunded under the PPI claim, as without PPI, at that date of each charge, you might not have been overlimit or needed to pay anything so the late fee was bogus.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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old and new threads merged.

 

post 2 seems to have a useful link regarding your question.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you should know better than to use OC PPI Online forms.

this is why they are phoning you

they are incomplete by nature and require further input

this is where they limit your reclaim or wipe it out all together by asking loaded questions.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

did you retain a copy of the MBNA online form you filled out?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Hi All

 

I have had an offer back which is more than I calculated - however they have not refunded any overlimit or late fees (these ranged from £15, £18 and £20). Should these have been refunded with PPI or will I have to raise another complaint. Donation will be made when my payment arrives.

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if the PPI refund level at the date of each individual overlimit charge did not put the a/c back with limits, they wont.

and late payment fees wont be refunded unless again the ppi refund to that date wiped any balance due

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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