Ppi mbna

[Geordie_Blue]

Letter sent - Will update you with reply when it arrives.

[yousef1973]

Hi

Since I posted the letter in early June 2012, I heard nothing from Mbna.

So I decided to ring em, the the person tells me the letter has been received, but decision still remains same(reading of screen).

I then asked him to send me a reply to this letter.

He advised me , that will be sent out today.

 

I did clarify with him on there refusal reply dated 1 may 2012, why did you put down that I requested the Ppi in august 1996.

He tells me that my card was actually authorised to be used in august, but Ppi was ticked in July 1996 , when contract was signed, but was surprised why that was on reply letter.

 

Can you please advise me, what step do I take next.

 

Please help

 

Re: Payment Protection Insurance on Account Number XXXXXXXXXXXX

03 June 2012

Dear Sir / Madam

Thank you for your letter regarding PPI on above account.

 

In late July 1996, i saw an advert for your credit card, on this there were choices to make like 'type of card required' etc.

 

Having never at that early age applied for credit before, this was new and confusing.

 

I therefore rang the helpline seeing 'PLEASE RING IF YOU NEED HELP COMPLETING THIS FORM'.

 

Your Staff then went through the whole application with me, of which i have a copy inc notes i took at the time, as i keep all important records inc all your statements.

 

Your staff enquired about my living arrangements and my work status and concluded i should apply for a Visa Silver Card=M07002960.

 

However, to ensure the application was accepted, I was told i must enrol on the PPI scheme.

 

I now, following the media coverage concerning mis-sale of PPI, realise this is of course a mis-sale

and i actually had no need for it at all, other than a commission bonus for the operator.

 

Unless you can prove to me by transcript of the actual telephone conversation

that i was not co-ersed into selecting the PPI, rather than 'assuming' your staff folowed their script.

 

I demand the return of all my PPI payments plus the interest you charged forthwith

in-line with FOS guidelines.

 

disgruntled customer

 

dx

[yousef1973]

Hi

Since I posted the letter in early June 2012, I heard nothing from MBNA.

So I decided to ring em, the the person tells me the letter has been received, but decision still remains same(reading of screen).

I then asked him to send me a reply to this letter.

He advised me , that will be sent out today.

 

I did clarify with him on there refusal reply dated 1 may 2012, why did you put down that I requested the PPI in august 1996.

He tells me that my card was actually authorised to be used in august, but Ppi was ticked in July 1996 , when contract was signed, but was surprised why that was on reply letter.

 

Can you please advise me, what step do I take next.

 

Please help

[ims21]

Ask them to provide a copy of the alleged ticked application form.

 

Alternatively pass it to fos to deal with

[yousef1973]

I already have that, yes I ticked it, but when I filled the form I got help from the operator, on a helpline number provided on that form. This was a confusing form and was advised if I don't tick, then my application won't be approved.

[yousef1973]

I already have that, yes I ticked it, but when I filled the form I got help from the operator, on a helpline number provided on that form. This was a confusing form and was advised if I don't tick, then my application won't be approved.

 

How do I make a complaint to fos, never dealt with them.

 

Ask them to provide a copy of the alleged ticked application form.

 

Alternatively pass it to fos to deal with

[ims21]

OK so wait for their letter and then either challenge them again or pass it to fos.