Thanks Alanalana, do I now send a "Letter before action" to Virgin (MBNA)?

Thanks Alanalana, do I now send a "Letter before action" to Virgin (MBNA)?

Mandm In answer to your question, They have taken the money off my outstanding balance. They have not demanded the remaining balance. Dont know if they have froze the card but dont plan to use it again anyway

Hi Alanalana Egg - Settled Virgin - The card has Virgin all over it but when you get your statements they have MBNA on it with a Virgin logo Barclaycard - still had no response

OK, absolutly fuming, had a call from MBNA last night, the lady said it was a courtesy call (my backside), she went onto confirm I did not select PPI on application but that I called MBNA specifically and added it on. I am genuenly stunned. When I said that I did not she went on to say that maybe whilst discussing several products on a cold call I accepted it but they sent letters and thats that. My reply was that MAYBE Virgin added it on without my consent. She said that the statement was MBNA stance and it was up to me how I chose to proceed. I thought they would try it on but did not expect blatent lies. I presume I would send an LBA now, can someone provide a link for it, all this makes me more determined

Livis, this looks OK but I would wait for Angry cat to verify, you might want to look at my thred, just had an offer through

OMG..........1st Success……….Received a letter from EGG in response to the one in the last post putting their hands up and closing the complaint with a full offer of over £4000 + 8% interest. Logged into my account last night and it is already there, albeit this is direct into my Egg account and is absorbed by the outstanding balance but does give us some breathing space. Many thanks to Alanalana for all your help, not only do you give good advice but you also give people the confidence to keep going. I still have Virgin and Barclays yet to contend with but now am thinking "bring it on". I will definitely be making a donation to this site when I next get paid.

OMG..........1st Success……….Received a letter from EGG in response to the one in the last post putting their hands up and closing the complaint with a full offer of over £4000 + 8% interest. Logged into my account last night and it is already there, albeit this is direct into my Egg account and is absorbed by the outstanding balance but does give us some breathing space. Many thanks to Alanalana for all your help, not only do you give good advice but you also give people the confidence to keep going. I still have Virgin and Barclays yet to contend with but now am thinking "bring it on". I will definitely be making a donation to this site when I next get paid.

OMG..........1st Success……….Received a letter from EGG in response to the one in the last post putting their hands up and closing the complaint with a full offer of over £4000 + 8% interest. Logged into my account last night and it is already there, albeit this is direct into my Egg account and is absorbed by the outstanding balance but does give us some breathing space. Many thanks to Alanalana for all your help, not only do you give good advice but you also give people the confidence to keep going. I still have Virgin and Barclays yet to contend with but now am thinking "bring it on". I will definitely be making a donation to this site when I next get paid.

Hi Leviculas I am pursuing egg also, my case looks almost identical to yours, I opened my account in Mar 2003 and my argument is that I did not select PPI and genuinely did not know I had PPI. I did try to cancel it and was told that until I had a zero balance I could not. With this being my only argument do you think I have a case?

Here is my one to Egg I purchased the above policy from you but now believe that I was mis-sold this policy for the following: Fined: This is due to the fact that you have been fined by the FSA for failing to treat your customers fairly when selling Payment Protection Insurance and I do not believe that my policy was sold in my best interests. Not aware the cover was sold to me: This is due to the fact that I was not given the correct information when the policy was sold to me, as having looked at the paperwork for my credit card I now realise that I have been paying for insurance that I did not know I had taken out so could not have been explained to me. Alternative Insurance Cover: Your sales advisors in each case failed to ask me if I had any alternative arrangements for insurance cover. My employer has a generous illness package. I would also be entitled to a generous redundancy package and a substantial payment would be made in the event of my death in service (more than suffice to clear the balance of the loan). Not allowing me to cancel PPI: This is also due to the fact that I contacted you some time ago and you informed me that I could not cancel the policy until the account had a zero balance. Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums which is a total of £????.??, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint. Yours faithfully,

Alanalana Thanks for this, you are a star, OK, here is my letter to MBNA (Virgin), I have also sent a summary of the charges which they have sent to me: I purchased the above policy from you but now believe that I was mis-sold this policy for the following: Not aware the cover was sold to me: This is due to the fact that I was not given the correct information when the policy was sold to me, as having looked at the paperwork for my credit card I now realise that I have been paying for insurance that I did not know I had taken out so could not have been explained to me. Alternative Insurance Cover: Your sales advisors in each case failed to ask me if I had any alternative arrangements for insurance cover. My employer has a generous illness package. I would also be entitled to a generous redundancy package and a substantial payment would be made in the event of my death in service (more than suffice to clear the balance of the loan). Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums which is a total of £???.??, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint. Yours faithfully,

Thanks Alanalana, 1. I will send Letter of non compliance and complaint the to Information Commissioners re Barclays. 2. On Saturday morning I received a huge envolope from Egg with all my statements dating back to 2003 (when I opened the card). I need to sipht through this and obtain my figure of PPI and then reply with a request for payment, do you know what template I would use 3. As I have my figure for the PPI payments, I want to send a request for payment, a request for payment, do you know what template I would use

Thank you Yourbank for your reply, strangly enough, on Saturday morning I received an income and expenditure form from Barclays for me to complete. I will get that filled out today and sent off 1st class. Do you know how long they have to respond?

Sorry, this may be clearer Doc1.doc