FLWLSW v MBNA

[FLWLSW]

My partner had a credit card with MBNA, PPI was automatically added.

 

The card had a credit limit of £12,000 with £0 balance, it has only recently been paid off in full. Again i have downloaded the SAR template letter and it will be posted via recorded delivery first thing Monday morning with a postal order for £10.

 

thank you in advance for reading and helping

[citizenB]

Please keep us updated on your progress and I am sure you will get lots of advice should you require it.

 

There are lots of threads on reclaiming PPI so just have a read round and if you require help.. just post on your thread

[FLWLSW]

Thank you again CitizenB, im reading lots and learning stuff , well trying to

 

Ive downloaded a copy of proof of delivery, i guess the 40 days started yesterday ( when they received it)

[ims21]

Yep, 40 days from when they received it

 

Watching your threads with interest

 

ims

[FLWLSW]

Thanks for all your help Ims, we really appreciate it

[ims21]

You're welcome

 

[FLWLSW]

An update, we recieved the SAR paperwork on the 30th June. I guess my next step would be to isolate the PPI payments? any advice?

[ims21]

Hi Flick

 

OK so now you go through the statements/transaction history and identify all the ppi payments. I have attached a spreadsheet which will calculate your claim.

 

You only need to enter list data in columns A, B and C...the rest of the calcs are done for you. Change the APR in the blue section of the sheet to reflect the rate they were charging you on the card and then amend the personal details in the blue section of the sheet. This is then your Schedule of Claim (SOC).

 

Download and complete the consumer questionnaire from the fos website.

 

You then put in a preliminary claim to MBNA enclosing a copy of the SOC and the completed questionnaire.

 

Regards

 

ims

 

CompoundInt.xls

[FLWLSW]

brilliant Ims, thank you very much

[FLWLSW]

Ive found something in the paperwork, from 2004 -2008, there is no mention of PPI, but there is something called Credit Insurance. From 2008, its then changed to PPI.

Also missing is information from 2001-2004, mnba freely admit they have only provided 6 years worth of paperwork, not everything since the account became live in 2001

 

edit: having just researched the lack of paperwork issue, it appears there is no time limit to claim, so maybe a letter to mnba requesting the missing data would be appropriate?

 

Any ideas?

Edited July 3, 2011 by FLWLSW

[ims21]

Ive found something in the paperwork, from 2004 -2008, there is no mention of PPI, but there is something called Credit Insurance. From 2008, its then changed to PPI.

 

Treat that as ppi

Also missing is information from 2001-2004, mnba freely admit they have only provided 6 years worth of paperwork, not everything since the account became live in 2001

 

Typical tactics. So if they haven't supplied a full transaction history it needs a letter to them stating that they are in breach of the Data Protection and if they don't supply the FULL and ALL details as requested in your Subject Access Request within 7 or 14 days (Whichever you prefer) you will be reporting them to the Information Commissioner to force compliance. You can also suggest that you may consider court action to force compliance and if that proves necessary you will be asking the court to award damages at the courts discretion. ICO can force compliance, its free but they can't award damages. Court can enforce compliance but you pay a fee but you can get damages.

 

Any ideas?

 

ims