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mbna ppi charges reclaiming

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3 weeks ago I completed fos questionnaire for ppi misselling and forwarded it to mbna.

 

Have heard nothing from them regarding this.

 

Today I have received a letter from mbna stating that debt has been sold to Activ Kapital.

 

How do I proceed please.

 

Really new to all this.

 

thank you

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no change

 

did you do a spreadsheet too?

 

 

dx


..

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Thanks for replying dx, no didn't do a spreadsheet, just filled in questionnaire.

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ok well it'll means you get ALL the PPI then, no off-setting.

 

good for you

 

got PENALTY charges too?

 

 

dx


..

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have no idea how to go about reclaiming penalty charges.

Will have lots but probably only £12 overlimit and £12 missed payment charges.

 

Can I claim these and do I claim from mbna or activ kapital.

 

Really scared as debt is spiralling out of control and any extra money I can get my hands on would be fab.

 

I have no statements and do not know where to start.

 

Really appreciate your help. ty

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sorry to sound so dumb but do i sar mbna for ppi and charges or activ kapital since the debt has been sold to them

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always the oc - original creditor

 

dx


..

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thanks dx, will keep you posted

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Reply received from MBNA on 23rd July - claim upheld. Will receive breakdown of payment and cheque in 12 WEEKS. This was original an abbey card that I have had since 1999. Having spoken to MBNA yesterday to enquire from what date the ppi will be refunded and she said October 2002. Confused.... Will wait and see what the breakdown is.

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They won't give you that info, at least without pushing them.

All you'll get is an offer of a repayment to accept or reject.

You'll need to ask for dates that the payment covers.

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MBNA will only pay for the the part they had card, In my case i have had to make a seperate claim to santander for the pre MBNA part, Let us know how u get on with the charges AS i sucessfully claimed PPI but am still awaiting the charges part resolution x

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