MBNA Credit Card (A&L) PPI

[jonnyvinyl]

Hi everyone,

 

Hope someone can help. I've recently received back the SAR information from the A&L branded MBNA credit card, for which I wish to reclaim the PPI charges.

 

The SAR contains no contract or T&Cs or any information relating to the PPI, except a mention of the Telesales call in the call log and the deductions in the transaction lists.

 

Does the fact they have not supplied this mean there isnt any? How do i check the T&Cs, I dont believe i ever got any, i certainly never had the opportunity to review them.

 

Is there a template letter to write, or what information should i include? Do i have to add up all the totals or can i let them do that? lol

 

Thanks,

Jonny

[dj1971]

Jonny,

 

Personally I would send the Letter Before Action letter in the sticky " full sar for ppi "

 

Unless you have all your statements for this account and therefore know exactly how much you have been charged each month, I suggest you hold off for the information before you submit a claim.

 

Better to have all the information and do the calculations yourself, less chance of MBNA fobbing you off.

 

DJ

[jonnyvinyl]

Well, when I sent my original SAR I specifically mentioned PPI, and highlighted it, several times. Surely that should have been enough??! mm Perhaps not. I dont have all statements but do have a transaction list they provided, and the majority of statements. Thanks for your help, I'll keep you posted

 

Jonny