Good afternoon, I'm after a bit of advice regarding a PPI claim with MBNA. I took out a credit card with BT back in 2008, which was later bought by MBNA, I was sold PPI at the time having no idea what I was in for and being constantly reassured by the sales woman that it wouldn't cost my anything and was just in case. I was self employed at the time and as such was not even eligible for it. The saleswoman was very persistent and pushy. I contacted MBNA and submitted a PPI claims enquiry they pointed me to. Yesterday I received a letter from them to say I'd been unsuccessful in my claim and they cited what sound like quite a few bogus reasoning's. I've included an excerpt from the letter below. " - you took the credit card on 30 April 2008; - you were sold PPI over the telephone on 10 May 2008; - at the time of the sale, you stated that you had been employed as a self employed IT Consultant. Unfortunately we do not have a recording of the sales call. However, we have been able to review the information that our associates where required to give you at the time, from which it is clear that your sale was made on a non advised basis. In other words, it was not personally recommended to you. You have said that the policy was not suitable for your needs. Since no advice was given our associates were not required to ask whether you had any existing insurance in place, collate any information about your demands, needs and circumstances and nor did we have a duty to ensure that the policy was suitable for you. However, we were required to give you information which was adequate for you to make an informed decision about whether or not you wished to purchase the policy. The information that our associates were required to give you at the time of the sale required them to set out the terms and conditions of the policy, eligibility details, the main exclusions and details of the 30 day cancellation period. In addition, you were sent a Policy Summary and full Policy terms and conditions after the call. The Policy Summary set out the eligibility for the policy, the benefits of the policy, the main exclusions and the cancellation terms. The full Policy Document provide further comprehensive information. As such, I consider it more likely than not that your information needs were met. You have also said that you felt pressured to purchase PPI. However, at the time of the sale, our associates were required to inform you that the policy was optional tand to gain your consent. they were required to as you "Can I confirm that you are happy for me to add this to your account today and that you agree...". I therefore take the view that our associate would have made you aware that the policy was optional and was being added to the account. you have made allegations about weakness in our disclosures about key features of the policy, including details relating to the cost and benefits of the policy. In making a decision on your complaint, I have considered whether, had all the key features been fully explained, your decision to take out the policy would have been affected, based on your circumstances at the time. After considering all of the information I have about your complaint, I note that you would still have received significant benefit from this policy in the event of disability or unemployment, as the benefit more than covered your minimum payments each month. Furthermore your sick pay and other benefits would not have prevented you from making a claim under the policy and there were no other terms, limitations or exclusions which were likely to have prevented you from making a claim. ... This is our final response to your complaint. If you remain dissatisfied, you now have the right to refer your complaint to the financial ombudsman service, which you must do within six months of the date of this letter..." Where to from here, OFT? Do I have a case?

Hi everyone, A few months ago I posted about a medical appeal that I lost (thanks to all that replied) Well as I lost the appeal but am still unfit for work at the moment I called the DWP to check the options (after checking here) and was indeed told my options where 1. Make a new claim for JSA 2. Make a new claim for JSA until 6 months from the original decision 3. Make a new claim for ESA if your condition has worsened Well after talking to my GP he agreed that my condition has worsened as my suicidal thoughts increased and the medication I was on weren't working, He gave me a new sick note stating "Depression/Anxiety, Worsening depression + anxiety, switching medication" I then sent this along with the claim pack and other relevant information and they received it on 20-11-2012, As they said to give it a few days for it to be processed I waited a week. I decided to give them a call on Monday (26-11-2012) to ask what the status was and was first told they never received it and my original claim was closed (The 0800 number did confirm it on the previous Friday) , So as the lady wasn't really bothered any more she offered a call back. When I got called back they once again confirmed they received my claim and that it was with the decision maker and to call back later in the week. So I called them today (28-11-2012) to ask how the case was going and finally got through at 17:50, And the person on the phone said they closed the claim on the 26th (which was the original one) I then had to explain that I made a new one and he said he'll check again, He then told me that the decision maker decided on the 27th to REJECT the new claim, When I mentioned that my condition has worsened and I stated this in the claim he put me on hold and when he got back just said "Nope..still rejected" and told me my options where 1. Claim JSA , 2. Appeal it , 3. Wait until the 6 months has passed (07-12-2012) I'm going to call them again tomorrow but I was just wondering if anyone knows if what they did was correct and if I should appeal it would I still get paid or do I have to get crisis loans ? It's a bit baffling as there is no point in making a JSA claim as when I tried on line it said you can't if you claimed ESA within the previous month, also by the time they process it will be passed the 6 months so I'd only be wasting time. It's just stressing me out as I've not been paid in over 3 weeks and my money is slowly running out and I'm at wits end again

hi although i have had been apparently paying ppi for over 6 years and their summary of finding were that at the time for the non advised sael they had no obligation to discuss products with consumers.they had no responsibility to help us decide on policy cover. please help there is more on the letter very long

Hi, I'm new on here, hope you can help Some weeks ago I posted my PPI reclaim documents to my bank (NatWest) and a few days later I received a text message from RBS saying, "Thank you for letting us know about your concerns regarding your PPI policy. We will acknowledge receiept in writing within the next 5 working days." This was about 5 weeks ago, since then I've heard nothing. Not received any written acknowledgement, email or any other texts. Is this normal? What should I do now? It seems from the text I received that they have got my documents but since then nothing has been actioned. Should I give them more time or should I chase this up? (who do I speak to?) Hope one of you guys could help me with this. Thanks for your time. Ginger.

Hi everyone, I need some help with my recent Welcome Finance Claim rejection. This has been an ongoing issue that I have been fighting through Welcome Finance as the loan I originally took was made conditional of taking PPI. This has been my main point when responding to Welcome however this has been dismissed. My claim has been rejected as Welcome Finance feel that because i was a Mortgage Broker and therefore Regulated individual under the FSA. This is despite the fact I explained I was unable to / Did not sell PPI products as a mortgage advisor. The response I received is as follows: DECISION NOTICE Your Claim We regret to advise that your claim reference ******** has been rejected on the basis that the responses to question D2 of the application form indicate that your employment placed you in a position where could reasonably have been expected to make an Informed decision before making the purchase of Payment Protection Insurance. We do not therefore accept your submissions of Mis-selling in this instance. As far as I am aware this response is a cop out? Any help appreciated. Thanks

Hi Ive have received a reply from Egg saying “After carrying out a full review of your account. I have etablished that you purchased the insurance through the egg website on XX Nov 2001 Our online sales process: - Does not require you to take repayment protecection insurance as a condition of obtaining the credit card. - Does not provide an advisory service - Required you to positiviely confirm that you wished to purchas this policy during the online application - Provided full terms and conditions of the policy and requested you read them before submitting” I was unhappy with this response particularly with the use of present tense and not past tense “does NOT require you to take repayment protection…” Can you please tell me my what the next step should be as I believ that the box was pre ticked or you could not go further unless you ticked the box. I have looked on the site and seen lots of answers but after reading so many Im a bit confuse. Thank you

I sent off a CCA request to a DCA with a £1 postal order payab;e to the DCA. They have returned it asking I make it payable to the Creditor. They have also asked me to cinfirm if I have ever opened an accoun t with their client and the balance. They finally state if I am disputing the balance or feel it may be subject of fraud I should supply full details. What is the best way forward do I send a payment payable to their client, and what is their role in this matter

This weekend I’ve received a letter from Halifax rejecting a PPI miss-selling claim and I’d appreciate any guidance that can be offered over possible next steps Background to my claim is as follows Personal Loan taken out 12/13 years ago. I know PPI had been applied A SAR to Halifax returned the original agreement only, with no other data/information Submitted the claim, using the FOS Questionnaire and the CAG Single premium PPI spreadsheet My claim essentially stated that (at the time of the sale) Benefits & exclusions were not fully explained Not told it was optional Not told it could be cancelled Not told I could have sought cover elsewhere Not asked about my health or employer benefits Led to believe that PPI would enhance a successful loan application and was pressured to take out the policy to meet sales targets The reasons for rejection basically falls into a number of categories Benefits and exclusions were defined in a policy booklet sent to me at the time of the application I had 30 days to cancel and the agreement and policy booklet defined all of the costs Sales techniques used at the time meant that I wasn’t pressured No alternative products were available at that time Identification of particular needs would only have been taken where it was practical to do so Halifax are satisfied that there was no miss-selling Finally the letter advises I have the option to submit additional information, or otherwise I can take the complaint to FOS Given all of the above, it appears to me that Halifax are not rejecting the claim based on any hard evidence, but more over “what would have happened at that time”, therefore my interpretation of this is that it becomes a dispute over my word against theirs and therefore it will difficult to force a change in this viewpoint. Is there any guidance that can be offered about where I can go with this, or am I at the end of the road? I’ve got initial views, but would welcome any alternative views before I make any further decisions on this TIA

6 weeks of sanctions, no food or elec and been told i won't get hardship as not vulnerable person, any ideas?

please where do I go from here? I did not want ppi I was told if I did not get it I would not get the loan I was not told I could cancell at any time .If i had i would have cancelled as soon as money was in account. I was not told I could get ppi else where and probably cheaper. I only signed aggrement not ticked the box SORRY ! HAVE NOW DOWNLOADED PDF,S

Hi all, Barclaycard recently refused my complaint against them for the miss selling of PPI which was originally on an EGG credit card. I then sent a SAR to them and the information arrived this morning. Not only does it not contain all the information I requested (about 5 years short of statements) but the letter says it also contains a copy of my original internet application. It does indeed contain an application but it is not mine. My question is where do I go from here as I'm a bit stumped, any help would be appreciated.

I have accidentally damaged my TV after having it for around 10 months... i am paying extra KNOWHOW insurance monthly and was told it was covered for all accidental damages etc, it was broken on the stairs once i brought it home from university!! I sent it off to be repaired and was notified by voice mail my television hasn't been repaired and needs re-collecting. I wrote this letter: I am writing this letter as my television was sent back from PC world without being repaired or any other actions being offered; I was notified by voicemail to write a letter with more information on how the damage has occurred. I bought the television whilst I was a University in Leeds and had to bring it home for the summer, once I had the TV back at my house it was getting it up to the third floor, once I was on second floor I accidentally tripped and the TV fell onto the corner of the table by the next set of stairs. This resulted in me falling onto the TV, twisting and bruising my hand. The TV is covered for all accident damages, which in my case it has happened by accident and there was nothing I could have done to prevent these damages. I then was told i would receive a call from a private investigator, i answered all of his questions and was told i would receive a reply within a week maybe two. 16 days later, [name edited] replied saying it was rejected, that was it, no reason or anything!! This is the next letter i sent and i sent and i am yet to have a reply, 21 days and waiting!! I am absolute disgusted in the way I have been treated towards making this Television claim, the accident occurred over a month ago, every time I was given a time I would be contacted, it has happened at the very end instead of been told straight away. It would have been a different matter if I had missed a payment, use would have been on my back straight away and I would have faced fines. When I received the call from the private investigator and I answered all of his questions the only thing he said that could be used against me was carrying it on my own. When I bought the television from PC World in Leeds, I carried it from the back of the store to the till, they watched me take it out of the store on my own and back to my accommodation, as they seen I was capable of doing so. They didn’t say two people had to carry it or offer me another option. I carried it less than half a mile, I set it up on my own after taking it to the fifth floor, all easy to do. Carrying it in my house once I broken up from University, taking it up the stairs was no problem; it all happened after an accidental trip, this would of still happened if there were two people carrying it. I would class myself as a strong build person, I could understand if I found the weight to of been heavy. I am not stupid enough to try and do something if in the back of my mind I can see it going wrong. When I bought this TV I was told it was covered for accidental damages and other things, I even took out extra KNOWHOW insurance as I was advised highly to do so. As it took me ages to save up and with it costing a lot of money I knew with this insurance Id always have it. You were quick to sell the insurance but not follow it through when something had happened. I was worried when I accidentally dropped it and visited the store in Teesside twice, both times I was assured that in my case it will be sorted, repaired or replaced and got told not to worry about it. I have been paying this £7 extra insurance for around 10 months I believe, which now seems like a bad idea. It took me a long time to save up for this Television and my claim is being rejected due to what is known as an ‘accident’. I have never made a claim like this before. Due to me being a Multimedia student I would class myself as a very loyal customer to PC world, not only me, but also my whole family. All of my technology is always from this store and I feel like I am being robbed from something I deserve. In last few years I have bought things like: · 3D Television · Apple Mac · Macbook Pro · Ipad · Sony Ipod Docking System · dLAN Wireless Powerline Adapter · Printer/Scanner The list goes on. I am always using this store for updating my things and adding to what I already have. I am only home for 2 months until I go back to University and have already waited more than a month, I ask kindly if you could go over my claim again and respond in better timing with hopefully a better result. If this is un-successful again, I will be looking to take this claim further.' I have now waited over 2 months, nothing has happened, im sick of waiting, what is my next steps can anyone help me win this case!! Thanks.

I took out a Sainsbury's credit card in 1998. I filed a PPI complaint with Sainsbury’s two months ago claiming that I was mis sold PPI and it was added without my knowledge. It has to be noted that I do not have the Credit Card Agreement or the terms and conditions that were applicable at the time I took out the agreement. Sainsburys have denied my claim on the basis that they established that I have applied for this credit card in 1998 via post. The Credit Card Agreement had an optional tick box for consent of PPI and that box was ticked. Therefore I had knowingly asked for this PPI. I am angered by this decision. I don't have the Credit Card Agreement or the terms and conditions that were applicable at the time I took the agreement so I can't verify their claim. I have requested a copy of this information and waiting for it. I am sure that I didn't ask for PPI, in fact I can’t remember how I applied for this Credit Card. I applied for it in 1998. Could it have been that Sainbury's were selling the credit cards in their branches and one of their representatives filled the application form up for me and posted it?? Can anyone help me with immediate remedies! Please advise! Thanks

Hello, I am writing on behalf of the wife who cant find her way around the site:|. She applied for MBNA credit card in 1998 when stopped by one of their 'reps' at a stand in a shopping centre. The card was repaid in full or balance was transferred, she thinks to Virgin. After calling MBNA they confirmed PPI was added and would send a 'offer letter'. Instead they wrote to her saying that as a UK resident betweeen 18 and 70 , in full time employment, non advised sale of PPI and she basically 'ticked the box' they could do nothing, if unhappy she could go to FOS and said there was an attached leaflet (there wasnt). Tricky bit here is she was a full time University student in 1998 with a part time job at Greggs doing all or some weekend work (is 16 hours a week full time? she didnt do this every week but worked most days during Uni holidays etc so as an average over the year probably did). Did she commit fraud in her application? She definitely remembers being told her application would be more successful if she took PPI because of her student status and only part time income. Is there a template complaint letter to FOS to review this or will she have to SAR MBNA first to get all the relevant info? thanks in advance

Really hope someone can help... I have had an account with Lloyds TSB for as long as I can remember and as part of this account, mobile phone insurance with Lifestyle Services Group. I have never had the need to claim but in March earlier this year, my husband lost his Nokia 8800 Arte. I reported to the police and to Lifestyle Services Group within a few hours of discovering loss. They finally accepted the claim in May 2012. I paid the excess and was offered 2 alternative handsets or a cash settlement of £350. I rejected these as I felt the phone was worth much more to which they said they would look into it. When i next chased it, I was told that the claim was being assessed again and was no longer an accepted claim! They were waiting for '3rd party info' and could not tell me when they would recieve this information. After numerous calls, in the middle of June, they finally sent me a letter saying they had rejected the claim as both the phone and the sim had been used after we reported the loss so they felt the circumstances in which we had reported loss were not accurate. I emailed them saying I wasn't happy with this decision and if the phone had been used, it had not been used by either my husband or I but they have simply responded saying I have exhausted the appeals process with them and I should contact the FOS if I wish to discuss further. Is there anything I can do about this or do I just have to accept this very unfair decision? It seems to me as though they just decided that they were not going to pay out for an expensive phone, no matter what... Please advise.

Hi took out a credit card with the halifax around 1995 and did not know i was paying for ppi until september 2003 when i broke my left leg in two places . I rang the halifax about a personal loan i also had and because at the time of my accident i was self employed they refused to pay out . I got into a heated argument with them at the time but to no avail . So i asked to be put on the credit card side to see if that was any different . They also refused my ppi at the time so i cancelled it CC ppi . Roll on to march of this year i rang them to complain about the ppi loan as to why they did not pay out in 2003 and they paid me nearly £3500 even going back as far as 1998 on a previous loan . I decided to claim on the CC ppi and have just got back a reply today saying its rejected . I have downloaded the form from FOS is there anthing else i can do .