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Roxysoxy

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  1. My husband took out an MBNA card as a Virgin cc online and ticked for payment protection last December. In February, he lost his job and claimed on his pp policy. MBNA said he wasn't entitled to claim because he was in a temporary position (he had been there 2 years but still classed as a temp). He has subsequently written to them with a templated letter from Which? saying that he was obviously mis-sold the pp. We've heard nothing back yet. When the interest free period was over, we paid the whole amount off on receipt of the statement (10 days before the due date). We received a statement today saying that we owed interest and when we spoke to them they said you need 2 months of paying the total amount or zero balances before you don't incur interest. I have never come across this before and we have had lots of credit cards. Can they do that? Can we fight it and do we stand any chance of getting the premiums for the protection back? Sorry this is posted in the wrong place. I have been looking for a thread but most seem to refer to owing the money still. Thanks in anticipation.
  2. I couldn't find out how to open a new post, so in desperation, I am posting my problem here in the hopes that someone will reply. We opened a Virgin a/c not knowing it was actually MBNA. It was 6 months interest free and we opened it on line and ticked the payment protection. It is in my husband's name and he lost his job in January. We tried to claim but were told he was not covered because his job had been a temporary position (he had been there 2 years). We are trying to claim the premiums back as we were sold the protection without knowing the facts. The 6 month interest free stopped in June, so as soon as we got the June statement, we paid off the full amount that same day. We have just received the July statement and there is interest on it. We phoned MBNA and they said that you have to have 2 months of paying off the full balance before interest won't be charged!! I have never known this before - is this usual? We get an interest free credit card every winter to get us through to the summer as we have a seasonal business. We always pay it off in full when the interest free period is finished and have never come across this. Is there anything we can do? We have done nothing but pay hidden charges on this account. The payment protection was the same amount every month as the minimum payment, so the balance hasn't been reduced. When we paid off the balance (£9000), they reduced our credit limit to £500. Now we are still paying interest even though it was paid off 10 days before the payment due date. Can anyone give us advice please? Have we been stupid? Can we claim anything back? Thank you
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