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Mbna ppi

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Thanks everyone, I had already sent MBNA a letter explaining that they had not included all the requested information and have not had a reply from them (see post#7). I think it may be time to go to the fos.

 

Once the ppi is sorted, I will look to recliam charges.

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Mornig all, quick update. I have recieved a letter from MBNA which give total figure of PPI payments, interest and final figure payable to me.

However, I'm still not convinced, the reason I say this is because when I sent the SAR,

I asked for a list of all charges and transaction on the account from opening to present day which they never provided.

 

The list in this latest letter is just a complete set of amounts. They have not stated what monthly payments were taken so I have no way of calculating if it is right.

 

If ims or dx is reading, is there a way to force MBNA to provide a monthly list of transactions on the account?

Should I consider court route to force them to reveal payment history?

 

Many thanks

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Hi

 

Depends how hard you want to push for older records (which they may not have).

 

What you could do is prepare the spreadsheet from the statements you do have and use the result to estimate what the previous amount could have been. That could give you an indication as to whether their offer is reasonable.

 

ims


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You are entitled to ask for a breakdown of how they have arrived at their final figures.. including the to and from dates.


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After sending a SAR request on the 4th Jan.Today i recieved all the information MBNA were holding on me.

They sent me details of transactions with my credit card going back to 1998,and up to its closure in 2008.

 

I have totalled up as follows

£1287.45 in PPI not inc interest.

 

£536.00 in Late Fees and

£610.00 in Over Limit Fees.

 

My questions are.

Can i now reply to them with a claim ?

Can i claim back all these charges ?

Do i send my claim for all these to one place,or is PPI claims done seperately,so have to go to a different address ?

The total amount comes to £2433.45 without interest.

Do i look to reclaim 8% on this figure ?

Thankyou for any help or advice you can give me.

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PPI is one claim

 

all the rest [penalty fees] are another

 

use the same CI spreadsheet from below, one copy for each.

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

is cell D15, input THEIR lastest/last yearly APR figure

 

for the PPI fill out this customer questionaire

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

and do a complaint letter

 

send the PPI SOC, FOS CQ + Complaint letter to MBNA

 

for the charges

 

do a complaint letter

 

and send that along with the charges SOC in another evelope to MBNA

 

post your SOC's up here FIRST for checking.

 

genreal help

 

the SOC has a NOTES tab at the bottom in RED - READ IT.

 

Fill out the three columns [DAte/Type/Charge] for EVERY PPI or PENALTY charge

 

dont forget you do TWO spreadsheets

 

dx


..

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Thankyou very much for both your quick,and excellent response.

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