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I have a credit card with MBNA this was issued to me when Alliance and leicester were taken over by Santander on my bills is PPC is that the same as PPI and could I claim back from my yeaars with Alliance and leicster?

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Yes PPC is the same (Payment Protection Cover) and if mis-sold can be reclaimed.


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

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6. Staying Calm About Debt

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Yes, just PPI under a different name.

 

In theory you should be able to reclaim from the very first premium paid. In reality, you will more than likely only receive those premiums you can prove.

 

You should send a Subject Access request to the Bank, this is a request for ALL information they hold. What you are looking to obtain are statements going back as far as possible (most banks will only keep 6 years). If you have a copy or can obtain a copy of the original agreement that would be very useful.

 

Once you have the statements you can download the appropriate CAG spreadsheet, complete that and also the FOS claim form and send to the Bank asking for your money back.

 

You will find a SAR draft letter in the CAG Library - top left of the screen - you will need to send £10.00 with your request and the Bank has 40 calendar days to comply with the request.


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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