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

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

Thanks for the info dx will have a read

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?

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.

Thanks renegadeimp, I dont really want to talk on phone in case I slip up. I do have the ability though to record phone calls. How do I go about claiming back the fees - I have the details from my SAR?

Many thanks for help!

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.

old and new threads merged.

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

dx

Thanks DX I will have a read of the Link. I used MBNA online form for the PPI but have a spreadsheet from this site to compare against what they come back with.

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

Ok my mistake:sad: - can I send the FOS questionnaire or it too late.

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

dx

No I didnt get the option - I will e mail them for a copy

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.

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