PPI Claim MBNA

[timbo120]

Dear Friends,

I received a letter from MBNA 31st May 2012 stating that they were upholding my claim for mis sold PPI on seven accounts. I called them yesterday to see how things were proceeding and was told there might be a short delay (but within the six weeks originally offered for a settlement) because of the amount of accounts being processed in my name. I then receive a letter today dated 30th June stating that due to a rare administrative error, I should not have been told my claim would be upheld, I was never sold PPI and that the matter was now closed.

 

Regardless of the content of the claim (which remains an issue) this is a very bad way to handle cases and clearly MBNA's adminitrative team has been negligent. Has anyone else experienced this U turn based on a bank's error? I have spoken with the FOS which has taken details and now am awaiting a response via telephone from MBNA manager to see if they are prepared to take responsibility for their mistake.

[ims21]

Hi

 

Welcome to CAG

 

So you have evidence that you were paying PPI from your statements but they are saying you didn't?

 

 

 

Thread moved to PPI forum

[timbo120]

No, I am not sure whether I had PPI or not as some of the accounts go back several years, they have all been paid and from what I observe from others who have successfully claimed in the past (including myself), some PPI were sold as a separate policy, whereas some were just added to interest payments without anyone knowing. The issue I have with MBNA is that they sent me a letter upholding my claim and then one month later, send another stating that they got it wrong and I should not receive anything. I just think this is a bad way to deal with customers.

[ims21]

Yes it sure is....building the hopes and then dashing them.

 

On a credit card the PPI premiums are typically shown as a separate item each month as the amount payable for PPI is dependent upon the balance outstanding. You would not be sold a separate policy with a credit card but it is true that separate policies have been sold to run alongside loan accounts.

 

I haven't seen a case where PPI has been included in the interest charges on a credit card myself.

 

Maybe time to SAR MBNA?