complaint to FOS has been sent together with the new questionaire

Had a reply today from MBNA: And also had a reply back from FOS today as well! along with the original complaint form I had sent them: I have already sent the FOS the payment protection insurance questionnaire (after the initial complaint),should this also be sent to MBNA? should I write back to MBNA? (I had already done the LBA)

FOS have a new form on their site just for PPI claims: our complaints procedure and how to complain

get this... in the SAR for the credit card (which I hadn't asked for!) has the agreement clearly showing NO ppi required yet they have took this each month!

got a reply back from EGG regarding the PPI from 7 years ago: FOS now?

Just looked again at the SAR letter I sent, and it was just for my loan account, and yet they have sent back info regarding the credit card only WTF?

already did prelim and lba and now sent on to fos;)

I had done an SAR for both my loan and credit card account with MBNA, but only received infomation back on the creidt card. DO I complain to ICO now? or write back to MBNA?

LBA deadline in today. Do I wait for their response as per the above letter they sent me?

what about the above £5k in small claims court. I read somewhere that you can be liable for more costs if you loose?

yes have the statements from a previous SAR from a few years back (2007).

same as my claim, but I didn't even get the 2nd and 3rd page which you have!

had another letter from MBNA saying they are still investigating the complaint!

Not much advice here:( Anyway, I sent them a letter saying the 6 years is from when I found out about the mis-selling of the PPI and not the actual event, and also combined this into the LBA. Now wating for a reply

and advice on the time issue? more than 6 years?

Received another letter today saying they want more time to investigate my complaint and they will respond by 16/4/2010!, yet in the last letter they sent they said the matter was now closed. I am now wondering if the letter they sent was in response to my CCA request rather than the prelim and LBA? (they have not made it clear, and have not referenced the CCA request at all) Anyway I sent it on to FOS today anyway, as they said the matter was closed.

I sent egg a prelim for PPI on a credit card going back to 2003 and received this letter back today: They have only gone back six years but my list went back to 2003 and the total I asked for was £237. What do I do now? also they sold the account on to moorcroft.

yes, a scanned copy was sent.

its very quiet on here:(

I think I will file a complaint with fos, but what should I say regarding S18?

Any advice?

Received this letter back today (in response to prelim and lba): Do I wait?

Received this letter today from MBNA: This letter is in response to my prelim and LBA. They have attached a scaned signed copy of the original agreement, which is what I had already, and also a schedule of payments made till the point it was passed on to westcot in 2005. But the letter does not address any of my issues regarding PPI and just seems a standard foboff letter. see the bit about "we will go to court to enforce the payments" yet they sold the debt on to westcot? They also never responded to the SAR and also CCA request. I guess letter also is the CCA as well? So what now?:? Also the total amount I asked for is £6.5k which is over the £5k limit for small claim court. Would I be better going down the FOS route now?

Sent the LBA (with revised figures), and have had a second copy of their "we are investigating your complaint" letter back.

some letters in here: PPI Reclaiming Guide: £1,000s for missold loan insurance...