Alliance and Leicester/MBNA

[moll 61]

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?

[ims21]

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

[citizenB]

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.