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MBNA / Optima PPI reclaim


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I have been in dialogue with MBNA since late last year regarding PPI.

I never asked for it, but they claim I did via telephone.

I have asked for dates, and times, and they just reply saying 'by telephone', and then said they would not respond any more.

I have asked for a copy of the CCA, and not received it.

I have told them I dispute the debt then, as the payments are calculated with insurance.

In 2009, I was laid off, and when I couldn't pay the bill they said why didn't I make a claim under insurance.

As I was not aware I had it, I asked how I could, and they said under my policy.

I was not aware for 3 months, and was then told I couldn't claim back from the first date of unemployment.

So I got some money - not much, but I was not aware I had it, or paying for it.

 

I have asked for it to be stopped, as I am self employed now, and was assured it had been, then last week I received a letter telling me of important changes to my insurance policy !

 

Using information from other sites, I wrote them 3 letters at 10 day intervals stating they had 10 days in each case to provide the CCA, or a sworn afa davit saying the debt was mine. I told them if they made contact by any other means other than mobile phone they would be liable for charges, and they have emailed me, written to me, but none acknowledging my letters.

 

I have now received a letter from Optima tghreatening legal action if I do not pay the debt in full by 14th April.

 

What should I do ?

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for the PPI.......

 

off to the FOS

 

look on the website for the PPI complaint form

 

fill it in.

 

copy all letters in/out so far

 

bundle it up and post it off too them.

 

inform MBNA & optima BY LETTER a/c is in dispute and complaint now with FOS

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

Well, I followed everything I have been told - send letters, send this, send that.

 

MBNA & Optima Legal ignored them all,

and this week successfully placed a Tomlin order against me for the next 3 million years.

 

They added PPI,

and because I made a claim they say I am not entitled to compensation against it,

even though I never asked for it,

they cannot prove it was added by someone or not.

 

I sent letters about if they take court action I will seek £1 million etc ... and still they ignored me.

 

I am at my wits end, as I never asked for it. I have asked for proof, and they ignore me.

 

All I want is to get them to accept they lied, and get compensation,

 

as this order will have a huge knock on for me.

 

Any, and all advice is welcomed.

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did you know about the court cases?

 

bit of a jump in the time line here

 

you should have been keeping us updated.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It seems to me that you have no chance having made

a claim and been paid.

 

IMO a judge would find the same no compensation.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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What I did not add, was that payments of premuims made after the initial unemployment were taken whilst I was self employed.

 

No I was not aware of any court action, as I had informed them the account was in dispute, and I had exchanged letters and emails with Optima about resolving this, and seemed to be going well.

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if you knew nothing about the CCJ

ie no papers were ever sent to you like a claim form etc

 

nor any paperwork about the tomlin order case

 

then you need to get it set aside

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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As I sent MBNA/Optima letters from here that stated I would claim compensation of £1 million, if they take court action against me, should I try and enforce this ?

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As I sent MBNA/Optima letters from here that stated I would claim compensation of £1 million, if they take court action against me, should I try and enforce this ?

I doubt if you would have much success.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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so, what was the point of the letters then from here

- just smoke & mirrors ?

 

the fact is they added PPI without asking,

then took premiums out whilst I was self employed which is dead money,

and then finally took out an order that was supposed to be a pre agreement between us,

but no such thing.

 

Looks like I am just another statistic in this.

 

The reason for the delay between orginal posts and this one,

is because it was all being done amicably,

and then Optima do all this.

 

Is there anything at all I can do to get them to bear some cost in all this, and not just me.

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you need to get the ccj set aside

 

then get a ppi reclaim going.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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