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DennisTheDog

MBNA Using Underhand Tactics To Avoid PPI Claim

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In October I made a complaint to MBNA over my PPI on my credit card.

 

I then got two letters over the space of a few weeks.

 

One acknowledging the complaint and another apologising for the delay in resolving it.

 

Then I got this letter

 

You may recall that we recently contacted you asking for you to confirm details.

 

I regret to inform you that we have not received sufficient information to identify you.

 

We are therefore, unable to proceed with the investigation into the issues you have raised.

 

However, if you could verify the information, we will look to address any concerns raised.

 

In Addition, to ensure your complaint is dealt with promptly,

please quote the reference at the top of this letter.

 

This letter acts as our final response in relation to this matter and you now have the right to refer the complaint to the Financial Ombudsman,

within 6 months of the date of this letter.

 

I received no such communication asking for identification, it is a deliberate lie.

 

If anyone can give me advice I would be very grateful.

 

Do I have to go to the FSO now? or

 

can I call their bluff.

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call their bluff

 

write back stating no ID letter ever received.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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call their bluff

 

write back stating no ID letter ever received.

 

dx

 

 

Thanks DX just banged off the letter and a SARS as I am in default on the card and have sold the debt, after thinking today, I think they have no intention of paying whatever.

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I think they have no intention of paying whatever.

 

I would think you are probably right :)

 

How much are you expecting to reclaim? If it's less than £850 it's worth emphasising this in your letter since they will automatically be fined this amount by the FOS to investigate your complaint should you refer it to them, then if it goes in your favour (likely) they will have to pay you back your monies owed as well.


thegfb vs Natwest PPI - WON - £5.5k refunded October 2011 :-D

thegfb vs Sainsburys Bank PPI - referred to FOS 15/09/2011, WON - £2.7k refunded February 2013 :wink:

thegfb vs Capital One PPI - Complaint sent September 2012, dragging their heels :roll:

ongoing...

------------------------------------------------

Thanks for all your advice so far :D

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I would think you are probably right :)

 

How much are you expecting to reclaim? If it's less than £850 it's worth emphasising this in your letter since they will automatically be fined this amount by the FOS to investigate your complaint should you refer it to them, then if it goes in your favour (likely) they will have to pay you back your monies owed as well.

 

It wil be more than that, I paid, on average, about £75 month for 10 years.

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Well I've heard nothing from them and the deadline was 13th December what can I do about it? I have a feeling that they just want to fob me off without any further reply and force me to go to the FO.

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deadline for what?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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give 'em a ring?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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