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Help needed

 

I have had the mbna credit card since 1999 i believe i was mis sold ppi I have recieved a application form for my card from 1999 when i asked for the credit agreement that shows i did not tick the box and a list of ppi charges from 2002 because they say they do not have them from 1999. the charges add up to £1600 from 2002 to april 2009 when i eventually was able to cancel it

it was not on a fixed rate it is a calculated by what your balance was that month

could someone advice me what to do now

if i put a claim in for the £1600 plus interest how would calculate the interest?

I know there was a lot of spends on the account before 2002 but i do not know how much ppi i paid any suggestions thanks:???:

Edited by daisydeb

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Help needed

 

I have had the mbna credit card since 1999 i believe i was mis sold ppi I have recieved a application form for my card from 1999 that shows i did not tick the box and a list of ppi charges from 2002 because they say they do not have them. the charges add up to £1600 from 2002 to april 2009 when i eventually was able to cancel it it was not on a fixed rate it is a calculated by what your balance was that month

could someone advice me what to do now

if i put a claim in for the £1600 plus interest how would calculate the interest?

I know there was a lot of spends on the account before 2002 but i do not know how much ppi i paid any suggestions thanks:???:

 

Hello daisydeb,

 

I am a complete duffer at figures so I will point you to this link....

 

Interest calculation spreadsheets

 

The only other thing I would suggest is try and contact pompeyfaith he is good at interest calculations.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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thanks just pm him as i havent a clue with figures either thanks for your help

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Daisydeb,

 

Have a read of post 5 here this explains exactly what you have to do:

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/212778-emmtay-barclaycard-ppi-insurance.html

 

Regards

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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thanks i have looked at it but i only have a list of the ppi charges not the actual statements i do not know what the interest rate was at the time i am a bit thick dont know what to do

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Daisydeb,

 

In this case you need to send off a SUBJECT ACCESS REQUEST to the lender to get hold of copies of statements.

 

This will cost you £10 as that is the statutory fee for them to search there records.

 

Send the request off via recorded delivery and get a receipt of postage as that is your prove of posting.

 

Once you have done this sit back and wait as it can take upto 40 days again this time limit is statutory.

 

The s.a.r letter template is below just copy and paste into your word program and then edit to suit your needs.

 

Your address

 

Their Address

 

Date

 

DATA PROTECTION ACT 1998

SUBJECT ACCESS REQUEST

 

 

Dear Sir/Madam

Your name: xxxxxx

Account No/ No’s

 

 

 

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards

 

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:

-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

 

- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.

 

-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

 

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.

 

- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

 

-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

 

I enclose a cheque in the sum of £10 to cover your fee.

 

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.

 

I look forward to hearing from you in the first instance of receipt.

 

Yours faithfully

 

 

Your name

 

Sign your signature and put a line through it so you will know if you see it again:o You never know

 

They have 40days to comply under the Data Protection Act, but do be nice and allow some time for postage. Which should always be by recorded delivery, so you can prove that they did receive it.

 

 

Regards

 

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Hi daisydeb,

 

I am in a very similar situation to you but with an MBNA card from 2000.

 

MBNA refuse repayment of mis-sold ppi and were not regulated at the time according to the F.O.S..I am therefore having to try and pursue my claim against the underwriters of the PPI.

 

Hope this is of help.

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thanks for info how are you are getting on with your claim for ppi let me know if you have any joy with them

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My case is back with the FOS against the underwriters of the PPI.Will let you know when i hear from the FOS again ,but i am preparing for a long wait!

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Hermanthegerman,

 

How long ago did you lodge your complaint with the FOS ?

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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PF,

I lodged my original complaint re mbna PPI at the end of May.FOS replied at on 20/07 that that had no jurisdiction over MBNA,but that i could resubmit my claim against the PPI underwriter.I resubmitted my complaint at the start of last week.

 

Herman

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Ok thanks so you will have quite a wait then, i submitted my complaint to FOS in Dec 08 and after phoning them yesterday have only just found out that my complaint will be resolved in my favour in he next couple of weeks.

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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