well SAR received just within dateso will now start ppi reclaim as hubby has never signed asking for it and the phone calls say he was told pre existing conditions weren't covered but nothing to say he accepted this .

thanks aa ha Ive done this , will keep forum updated on outcomes

Hi Hubby is having problems with MBNA & PPI . He was made redundant, we had notice of this so wrote to MBNA stating that as he has PPI insurance could he have a claim form sent and would they accept a nominal £5 per month until the claim could be sorted out. They cancelled the PPI insurance and cancelled his card, spoke to a guy there who admitted it was their fault and reinstated the ppi, then said rang constantly & said i'd lied and i'd cancelled it on his behalf when I referred to the letter and subsequent telephone call they denied and said it was lies. I've put in a cca request 1st time they denied i'd sent a cheque so i sent it again which they cashed , their customer complaints dept then got involved, PPI still hasn't paid out , they want his p45, p60 and all 52 pay slips for completed by the benefits office ( they have had copies of the AB11 form and redundancy notice , they have lost the copy of the redndancy notice but have the AB11 for , which was sent in the same envelope!!! Suggested to complaints that this PPi was misold as he can't claim despite being made redundant they say he can just needs to send in everything they ask for. Out of curiosity I rang the PPI company and asked what would be required if I was made redundant they said just redundancy notice and AB11 form . Hubby rang the PPI company and asked why they wanted extra info from him and they said cos they did . Can he claim PPI back due to this . He is now back in employment , although on a lot lower salary and we can afford the monthly repayments . PPi insurance wasn't taken out when the card was first issued but the complaints dept seems to think it was?and now they've put ppi back on the account they say they can't confirm when he first took it out shall I send a SAR as they have now put his account in default , I have already sent a reminder letter for the CCA after 15 days( recorded delivery as they cashed my cheque) Any help appreciated Thanks Lin

yesterday they told me it was impossible for them to stop ringing as they are an on line bank . As they have already misquoted one phone call on their records I'm not willing to do anything by phone so they have said they'll only stop hassling if I pay all my husbands arrears, despite having ppi to cover this ( which they cancelled when they had the letter telling them my husband was being made redundant and wanted to make a claim on his ppi ) What!!!

hubby has been made redundant and as he was paying PPI , wrote to MBNA requesting details of how to make a claim and saying he had been made redundant , could he pay xx a month until PPI could be sorted. immediately got a letter saying couldn't help , rang them and said how about PPI , they said sorry we misread your letter and cancelled PPI as you have been made redundant and can't pay us!!! reinstated the PPI , but last statement says it hasn't been . have actually made all payments to date now , but they immediately passed his account to globalvantedge who are now chasing 6 times a day , Have written 4 letters to MBNA but no reply yet . When he ring they just keep him on hold- 20 mins last time and he ends up ringing off( there's only so much time you can spend on the phone with an active 3 yr old on the loose )global vantege have been asked not to ring by me and him , say they won't cos it's in dispute and we get aphone call an hour later. trouble is they just come up as international calls so we can't just block the number. Is there a legal way of stopping them .