I already have that, yes I ticked it, but when I filled the form I got help from the operator, on a helpline number provided on that form. This was a confusing form and was advised if I don't tick, then my application won't be approved. How do I make a complaint to fos, never dealt with them.

I already have that, yes I ticked it, but when I filled the form I got help from the operator, on a helpline number provided on that form. This was a confusing form and was advised if I don't tick, then my application won't be approved.

Hi Since I posted the letter in early June 2012, I heard nothing from MBNA. So I decided to ring em, the the person tells me the letter has been received, but decision still remains same(reading of screen). I then asked him to send me a reply to this letter. He advised me , that will be sent out today. I did clarify with him on there refusal reply dated 1 may 2012, why did you put down that I requested the PPI in august 1996. He tells me that my card was actually authorised to be used in august, but Ppi was ticked in July 1996 , when contract was signed, but was surprised why that was on reply letter. Can you please advise me, what step do I take next. Please help

Hi Since I posted the letter in early June 2012, I heard nothing from Mbna. So I decided to ring em, the the person tells me the letter has been received, but decision still remains same(reading of screen). I then asked him to send me a reply to this letter. He advised me , that will be sent out today. I did clarify with him on there refusal reply dated 1 may 2012, why did you put down that I requested the Ppi in august 1996. He tells me that my card was actually authorised to be used in august, but Ppi was ticked in July 1996 , when contract was signed, but was surprised why that was on reply letter. Can you please advise me, what step do I take next. Please help

Thanks for that, I posted the letter out yesterday, sent recorded delivery. Now waiting for a reply.

PLEASE CHECK LETTER TO MBNA BELOW AND ADVIS IF IT IS OK. ALSO I DONT UNDERSTAND ON MBNA'S FINAL LETTER , THEY STATE THAT THEIR RECORD SHOWS THAT PPI WAS APPLIED TO MY ACCOUNT ON MY MY REQUEST ON 9TH AUGUST 1996. BUT ON MY APPLICATION FORM COPY, WHICH HAS PPI TICKED, IS SIGNED AND DATED BY ME 23/7/1996 CONFUSED http://s888.photobucket.com/albums/ac83/yousefmohammed/?action=view¤t=DSC00215.j pg YOUR REF : XXXXX Re: Payment Protection Insurance on Account Number XXXXXXXXXXXX 03 June 2012 Dear Sir / Madam Thank you for your letter regarding PPI on above account. I am totally confused by your letter. You state you have enclosed a copy of the application form, but nothing is enclosed. I think I have not clarified everything in my application for my refund of PPI. In 1996, late July I got a small application form for a credit card for MBNA. This was my first ever application for a credit card. On this application form there were few choices to choose from, i.e type of card required etc. I was confused, which therefore I rang MBNA on 0800 062 620, this number was printed in big letters on left side of the application, stating PLEASE RING IF YOU NEED HELP COMPLETING THIS FORM. I rang that number, and went through the whole application with an operator. I still have a copy of my application along with my old statements dated back to 1996, as I keep records of everything. I explained to the operator about my home status and work status, and I was advised to apply for Visa Silver Card=M07002960. I went through the whole application with the operator, including Payment Protection Insurance section. I wasn’t sure if I needed this, but was advised on phone I must take PPI option as it is vital and it would help me, and has great benefits. PPI was glorified and I don’t think I needed it. I also felt if I did not take it, my application may be refused. As this would be my first credit card, I went along with it, and just agreed. If you think I opted for it, please provide me with proof. If you can't, then I would therefore demand a full refund on all my payments plus interest. I hope, I have been a bit more clear on this occasion, and look forward to hearing from you.

PLEASE CHECK LETTER BELOW TO MBNA AND ADVIS IF IT IS OK. ALSO I DONT UNDERSTAND ON MBNA'S FINAL LETTER , THEY STATE THAT THEIR RECORD SHOWS THAT PPI WAS APPLIED TO MY ACCOUNT ON MY MY REQUEST ON 9TH AUGUST 1996. BUT ON MY APPLICATION FORM COPY, WHICH HAS PPI TICKED, IS SIGNED AND DATED BY ME 23/7/1996 CONFUSED http://s888.photobucket.com/albums/ac83/yousefmohammed/?action=view¤t=DSC00215.j pg YOUR REF : XXXXX Re: Payment Protection Insurance on Account Number XXXXXXXXXXXX 03 June 2012 Dear Sir / Madam Thank you for your letter regarding PPI on above account. I am totally confused by your letter. You state you have enclosed a copy of the application form, but nothing is enclosed. I think I have not clarified everything in my application for my refund of PPI. In 1996, late July I got a small application form for a credit card for MBNA. This was my first ever application for a credit card. On this application form there were few choices to choose from, i.e type of card required etc. I was confused, which therefore I rang MBNA on 0800 062 620, this number was printed in big letters on left side of the application, stating PLEASE RING IF YOU NEED HELP COMPLETING THIS FORM. I rang that number, and went through the whole application with an operator. I still have a copy of my application along with my old statements dated back to 1996, as I keep records of everything. I explained to the operator about my home status and work status, and I was advised to apply for Visa Silver Card=M07002960. I went through the whole application with the operator, including Payment Protection Insurance section. I wasn’t sure if I needed this, but was advised on phone I must take PPI option as it is vital and it would help me, and has great benefits. PPI was glorified and I don’t think I needed it. I also felt if I did not take it, my application may be refused. As this would be my first credit card, I went along with it, and just agreed. If you think I opted for it, please provide me with proof. If you can't, then I would therefore demand a full refund on all my payments plus interest. I hope, I have been a bit more clear on this occasion, and look forward to hearing from you. Y XXXXXXX

and was guided through the application.I was advised on phone I must take PPI option as it is vital and it would help me, PPI was glorified and I dont think I needed it is the above ok, or i should add more

Basically I write to them, stating that they have not understand the whole application Imade. I rang to get advice which card to choose as few options were available on application, and was guided through the application.I was advised on phone I must take PPI option as it is vital and it would help me, PPI was glorified and I dont think I needed it, If you think I opted for it, please provide me with proof.. If you can't, then I would therefore request a full refund on all my payments plus interest.

The question now is who do I write to now? MBNA or make a complaint to financial Ombudsman. As it states on mbna's letter, this is a final reply from mbna As far as they are concerned, this matter is finalised. But I am entitled to make a complaint to ombudmans within 6 months of this letter. Can you please advice who I should write to, and rough idea what to put in complaint or a letter would be appreciated.

The question now is who do I write to now? Mbna or make a complaint to financial ombudsman. As it states on mbna's letter, this is a final reply from mbna As far as they are concerned, this matter is finalised. But I am entitled to make a complaint to ombudmans within 6 months of this letter. Can you please advice who I should write to, and rough idea what to put in complaint or a letter would be appreciated.

I sent the PPI consumer questionnaire form, stating "cant remember it was just added onto payemnts it was a sales technique, as i dont think i needed it"

I sent the ppi consumer questionnaire form, stating "cant remember it was just added onto payemnts it was a sales technique, as i dont think i needed it"

photo of the so called card contract http://s888.photobucket.com/albums/ac83/yousefmohammed/?action=view¤t=DSC00215.jpg http://s888.photobucket.com/albums/ac83/yousefmohammed/?action=view¤t=DSC00219.jpg

I already have a copy of this card. Under ppi there is a tick, yes is ticked, this is dated july 1996. THIS LITTLE APPLICATION CARD HAS FEW OPTIONS, AND I REMEMBER CALLING THEM ON THE NUMBER NEXT TO IT, WHICH SAYS, IF YOU REQUIRE HELP FILLING IN THIS FORM THEN RING 0800 062 620 FREE. I RANG THAT AND WENT WITH ADVISE, I RANG THEM AS THIS WAS MY FIRST CREDIT CARD. THIS FORM HAS OPTION TO CHOOSE VISA GOLD,SILVER,GOLD MASTERCARD,SILVER MASTERCARD. ALSO OTHER BORROWING INFORMATION, ALSO ADDITIONAL CARDHOLDER. I have paid loads on ppi any advice ,please

I already have a copy of this card. Under ppi there is a tick, yes is ticked, this is dated july 1996. THIS LITTLE APPLICATION CARD HAS FEW OPTIONS, AND I REMEMBER CALLING THEM ON THE NUMBER NEXT TO IT, WHICH SAYS, IF YOU REQUIRE HELP FILLING IN THIS FORM THEN RING 0800 062 620 FREE. I RANG THAT AND WENT WITH ADVISE, I RANG THEM AS THIS WAS MY FIRST CREDIT CARD. THIS FORM HAS OPTION TO CHOOSE VISA GOLD,SILVER,GOLD MASTERCARD,SILVER MASTERCARD. ALSO OTHER BORROWING INFORMATION, ALSO ADDITIONAL CARDHOLDER. I have paid loads on ppi any advice ,please

FEW WEEKS AGO, I SENT A REQUEST TO MBNA ASKING FOR A REFUND ON MY PPI, THROUGH PROPER CHANNELS. I KNOW I HAVE BEEN PAYING IT SINCE 1996, AS I HAVE STILL GOT MY STATEMENTS AT HOME GOING THAT FAR ACROSS. I GOT A REPLY BACK, TELLING ME THAT THEY ARE LOOKING INTO IT, AND WOULD GET BACK TO ME. FEW DAYS AGO THEY REPLIED BACK TO ME .. .AS FOLLOWS: OUR RECORDS SHOW THAT PPI WAS APPLIED TO YOUR ACCOUNT AT YOUR REQUEST ON 9 AUGUST 1996. I HAVE ENCLOSED A COPY OF THE APPLICATION FORM(but no form was enclosed) THE APPLICATION FORM YOU COMPLETED OFFERED YOU AN OPTION TO TICK THE BOX TO PURCHASE PPI. THIS OPTION TO TICK THE BOX WOULD HAVE MADE IT CLEAR TO YOU THAT YOU COULD CHOOSE WHETHER OR NOT TO MAKE THE PURCHASE. GIVEN YOU TICKED THE BOX AND SIGNED BELOW TO CONFIRM, I AM SATISFIED THAT YOU ACTIVELY CHOSE TO PURCHASE PPI AND UNDERSTAND IT WAS OPTIONAL WHEN YOU DID SO. AT THE TIME THE PPI WAS ADDED TO YOUR ACCOUNT, YOU WERE ELIGIBLE FOR THE COVER YOU STATED ON YOUR APPLICATION THAT YOU WERE A UK RESIDENT, IN PERMANENT EMPLOYMENT AND AGED BETWEEN 18 AND 70 WHEN YOU OPTED FOR PPI COVER, WE DID NOT OFFER ADVICE ABOUT THE POLICY, WE PROVIDED YOU WITH INFORMATION ONLY. IN OTHER WORDS, YOURS WAS A NON-ADVISABLE SALE. HAVING REVIED THE INFORMATION YOU HAVE PROVIDED, OUR PROCESSES AND DISCLOSURES WHICH WE MADE TO YOU AT THE TIME, WE ARE SATISFIED THAT YOU HAD SUFFICIENT INFORMATION TO MAKE YOUR OWN EVALUATION OF AND DECISION ABOUT THE PRODUCT ON OFFER, ON THIS BASIS, I REGRET TO ADVISE THAT I AM UNABLE TO UPHOLD YOUR COMPLAINT OR ISSUE A REFUND OF THE PREMIUMS YOU PAID. and sent a leaflet for ombudsman, to make a complaint within 6 months this mbna card, they dont have a contract just a little postcard which i filled in, which used to be in magazines back in 90's, i have seen this which i asked for a long time ago. PLEASE HELP ME, HOW DO I TAKE THIS FURTHER.

thanks

But not settle though

sORRY, FORGOT TO ASK , SHOULD I GO ALONG WITH A £1000 SETTLEMENT OR SHOULD I IGNORE IT NOW ?

ok Thank you for your help. will keep this thread updated. Hope I don't hear from them Thank's again

nothing, no mention of anything. All I know is , got a call out of blue stating, Hi Mr xxxx you offered £1000 as a settlement on so and so date, how soon can you come up with that. Took my budget sheet details, and said would come back to me. That was 2 weeks ago the company was DLA Piper at one stage they were arguing over their costs etc. Also I have notheard from them either.

its been over 3 weeks now, since then egg has contacted me,asking if i was willing to settle for £1000, if so they need more info work etc also been informed egg is now owned by barclays

if the case has been struck off by court,,,,does that mean egg bank chase me any more. or does it mean they can still pursue it, and take me to court again???

Thanks need advice urgently