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kev-insted

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About kev-insted

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  1. Forgot to say that I also sent an email to MBNA with the following info and advised them I was also sending a SAR request. "I have now taken further advice on this, and consider that your response to my complaint does not follow the guidelines in the PPI Redress Handbook contained in FSA Policy Statement PS 10/12:- DISP APP 3.2.2 The firm should seek to establish the true substance of the complaint, rather than taking a narrow interpretation of the issues raised, and should not focus solely on the specific expression of the complaint. This is likely to require an approach to complaint h
  2. On the letter I received "non-advised sale" was based on "our processes and the disclosures we made to you at the time". I asked for clarification on this but was advised by FOS that because MBNA had stated that this was their final response they didn't have to respond to me! Nevertheless, I fired off the complaint to the FOS and also sent a SAR request to MBNA, specifically asking for ALL information pertaining to my account. All I got back was previous six years of account transactions and FOS said they would be in touch within a month but that it may take a year to fully process!
  3. I called FOS and they gave me a case number and then sent me a complaints form, which is also available on their website. They also ask for any correspondence you have sent or received from MBNA.
  4. Received a letter from FOS advising that MBNA would like to make me an offer "as a gesture of goodwill and with no admission of liability". The letter also says: "MBNA has advised us the compensation you will receive will be based on the general approach that the FOS takes when we decide a consumer has been mis-sold PPI. MBNA will calculate the amount you receive if you decide to accept the offer."
  5. This is currently with FOS who told me because of the high volume of PPI claims, it will probably be at least a month before they can provide an update.
  6. Still waiting on the FSO forms. Should I send an SAR to MBNA before making the complaint official?
  7. Many thanks, Just found this on prudential's career website during a google search: "C&C's core responsibility is to achieve our TARGETED SALES in Corporate Pensions and non-advised sales to existing customers"!!! Ultimately begs the question - So when is a sale not a sale?
  8. Hi ims When I applied for the card back in 1997, MBNA requested details about my employer and my student loans, as I had recently graduated. Having checked me out and knowing that I was in full-time employment and that would be eligble for sickness cover, etc, they still "informed" me about PPI. Thus, we know you don't need it but we're not going to tell you not to buy it!
  9. Hi all I received a rejection letter from MBNA today regarding a PPI claim dating back to 1997, citing "non-advised sale" as the reason for their decision. The letter states that this is their final response on the subject and having reviewed (in their words) "our processes and the disclosures which we made to you at the time, we are satisfied that you had sufficient information to make your own evaluation." The letter also says: "we did not offer advice about the policy, we provided you with information only." I did a quick internet search and then contacted the FOS who said I could
  10. Hi all I'm new to this site, but in need of some advice. In March 2009 I was signed off from work with severe depression. To cut a long story short my mum became seriously ill, my dad attempted suicide and my baby son nearly died with kidney problems. Late last year my son was taken ill again and was given the last rights. Thankfully he pulled through but I am still suffering with depression and stress as I watch my mum slowly deteriorate and wonder what will happen to my dad once my mum passes away. After discussions with my employers I agreed to return to work in July. Unfortu
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