Mmmmm well thanks for that, need to sit and think this one through............

Hi Guru's, I had been wondering for a while wether or not I had PPI on an old (and settled) MBNA credit card and so I googled them and got a contact no for them, I gave them a ring and spoke to one of their reps who admitted to me over the phone that yes I did have PPI and did have a claim. They took my details and sent me a form out which I duly filled in and returned, I recieved a further letter which I answered and they told me it was under investigation, all good and fairly straightforward so far I thought. I recieved a further phone call from them asking about my sick pay arrangements and a Medicash policy that I also had (and still do have, through my employers). I told them that I would have a maximum of 12 weeks full sick pay from my employers and that would then revert to SSP after that period of time, and that the Medicash policy would also pay out if I was hospitalised, at a fixed rate per day of being admitted to hospital. It was a joint card with my partner and she would recieve a full 12 months sick pay also. They seemed happy and told me they would inform me of their decision within 10 days, which they have done with a refusal letter which I include below:- 02/Apr/2013 Dear Mr XXXXXX Account ************ Thank you for your correspondence dated 27 February 2013 regarding the PPI on this account. I have carefully considered all of the information that you have provided. I have set out my findings below. - You took out the credit card on ** June 199* - You were sold PPI over the telephone on ** June 199* - At the time of the sale, you stated that you had been employed as a **** ****** for X years. We have been able to review the information that our associates were required to give you at the time, from which it is clear that your sale was made on a non-advised basis. You have said that the policy was not suitable for your needs. Since no advice was given, our associates were not required to ask whether you had any existing insurance in place, collate any information about your demands, needs and circumstances and nor did we have a duty to ensure that the policy was suitable for you. However, we were required to give you information which was adequate for you to make an informed decision about whether or not you wished to purchase the policy. The information that our associates were required to give you at the time of the sale required them to set out the terms and conditions of the policy, eligibility details, the main exclusions and details of the 30 day cancellation period. In addition, you were sent a Policy Summary and full policy terms and conditions after the call. The Policy Summary set out the eligibility for the policy, the benifits of the policy, the main exclusions and the cancellation terms. The full Policy Document provided further comprehensive information. As such, I consider it more likely than not that your information needs were met. You have also stated that you believed that you had to purchase the policy in order to be accepted for the credit card. Our records show that you purchased the policy on a telephone call on ** June 199* and this is after the ** June 199*, the date on which the credit card was opened. In view of this I am unable to consider this element of your complaint. After considering all of the information I have about your complaint, I note that you would still have received significant benefit from this policy in the event of disability or unemployment, as the benefit more than covered your minimum payments each month. Furthermore, your sick pay and other benefits would not have prevented you from making a claim under the policy and there were no other terms, limitations or exclusions which were likely to have prevented you from making a claim. In Addition: - In the documentation that you were sent, you were informed that you could cancel the policy within 30 days; and - Given the nature of a monthly premium policy, you were able to cancel it at any time without suffering any financial detriment. In concluding my investigation, I regret to inform you that I am unable to uphold your complaint or issue a refund of the premiums you have paid. I am hoping that my explanation has been helpful in setting out clearly why I have taken this view. This is our final reponse to your complaint. If you remain dissatisfied, you now have the right to refer your complaint to the Financial Ombudsman Service, which you must do within six months of the date of this letter. For more information about how to do this, please read the enclosed Financial Ombudsman Service leaflet. Their address is: Financial Ombudsman Service Customer Contact Division South Quay Plaza 183 Marsh Wall LONDON E14 9SR Yours Sincerely XXXXXXX So my quesion now is: Where do I go from here? Is this a standard response from them or do I take it to FOS and if I do, do I have a leg to stand on? Thanks Big Scouse.

I have just recieved the first letter from these clowns re the same car park in St Helens, my partner used their car park on Rememberance Sunday because she was taking part in the parade........ needless to say they will be recieving sweet FA from me on the subject.

Hi folks, My car is insured with AA insurance with my partner as a named driver, yesterday when she was driving home from work she was stopped by an ANPR equipped traffic car who stated that there was no valid insurance on the vehicle!....... this came as a hell of a shock to her and to me, we have both been driving over 25yrs with spotless licences and are so straight its is painful, we have always been paranoid about keeping things legal because I have to pass through a permanant police check point both going into work and out again. It turns out that we had inadvertently and unintentionally missed a payment, and whilst we understand that it is our responsibility to ensure sufficient funds it was a complete oversight on our parts because for the last two months we have not been paying particular attention due to running backwards and forwards to her dying fathers bedside pratically everyday, so its been a quick check of the balance at the ATM and nothing more. The AA say that they sent us a notice of intended cancellation which I swear we have not recieved, nor did we recieve any notification from them regarding this missed payment otherwise we would have sorted it there and then, in fact we have not even recieved the policy documents, everything having been done online and a cover note downloaded to tax the car. There have been some problems with my postcode with my local council using a different one from the one we were told when we bought the house, but we seem to recieve other mail without too many problems, although we do recieve mail for people who dont live here as well. The AA also have my email address and mobile phone no but neither of these were used to contact me re the missed payment. The notice of intended cancellation was NOT sent to me via recorded delivery but was merely a computer generated letter. The upshot of all this is that I had to arrange cover over the phone yesterday to prevent the police confiscating the car, they now want £360 from us to pay off the cancelled insurance!, plus they have put up my quote from £600 to £900 because my partner has been issued with a summons for driving with no insurance!........... this is BEFORE she has been convicted of any offence, which in my opinion is very dubious to say the least? We do intend to appeal the case, even the Police officer was very sympathetic and said that he believed it was a genuine error and looking at our driving records pointed us in the direction of appeal. Can anyone give us any guidance on where to go from here?......... I am very aggrieved with AA insurance services to say the least and am writing a letter of complaint to their customer complaints dept for what that will be worth.

Thought I had better come in and say hello as recommended by the powers that be! My name is Aidan, From Liverpool, but you can relax I won't be nicking your monitors! Hiya folks......... I have stumbled across the site whilst searching for info on reclaiming bank charges as I suspect a great deal of you have, but did'nt realise there was so much more to this site than that......thank you CAG, a mine of information indeed for the newbie and legally inept such as I.