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MBNA turned down my PPI claim in the summer of 2012.

 

After many months of waiting F.O.S have upheld my case.

 

Thanks to this excellent forum i now have a SAR which give me details of every single transaction going back 11 years (when i took the card out)

 

I am now awaiting MBNA's reponse!

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Oh well done. What a lovely way to start off the New Year.

 

11 years eh!! MBNA are such fibbers.. they told me and others they only have the information going back 6 years !!


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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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Thanks.It makes very interesting reading!

 

Up until April 2004 PPI is listed as 'Payment Protection Cover' with the amount charged

On the same transaction date they list

1) Retail interest charged

2)Cash Interest charged

 

From May 2004 PPI is listed as 'Credit Insurance Fees' with the amount charged

On the same transaction date they list

1) Posted Retail Interest

2) Posted Cash Advance Interest

 

From Jan 2006 it is listed as above but with one additional transaction

 

1) Other Interest (The last time this transaction is posted is March 2008)

 

April & May 2008 is listed as;

 

1) Finance Charge

2) Finance Charge

3) Credit Insurance Plan Coverage

 

From July 2008 it changes to

 

1) Finance Charge

2) Finance Charge

3) Payment Protection Cover

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So, was this a credit card or a loan ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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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So really the continued changing of the product name was a bit sneaky,wasnt it ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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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Oh Yes! Spening a tenner for a SAR has given me all the information i need about my PPI & interest (or whatever MBNA wish to call it)

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Yes, a Subject Access Request has been the downfall of many a creditor.. I suspect it is the reason they are so reluctant to comply in the first place !!


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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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The charge of 'Other Interest' - Does anybody on CAG have any ideas what this relates to?

 

Sometimes it was double the PPI charge!

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Hmm, no idea. I will flag the question for those on the site team who might understand what this is.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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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Yes, a Subject Access Request has been the downfall of many a creditor.. I suspect it is the reason they are so reluctant to comply in the first place !!

 

I posted my application first week of December after i read about it on this great forum.

 

Worth every penny

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Hmm, no idea. I will flag the question for those on the site team who might understand what this is.

 

Thanks so much for your help

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We;l done, good result. What did the SARS info tell you, that swung the verdict?

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The SAR has given me every PPI transaction i paid for over a decade (I only had about 20 old statements)

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good reclaim coming then

 

foscisheet

 

use that spready

 

as for that int question

 

i've got 3 mbna sars here

 

the others you say are listed but no 'other interest' listed.

 

dx


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No other interest on my SAR either. So no idea what it could be. By changing the name just goes to show they knew it was dodgy and they were trying to hide it.

 

Could I suggest you check out the interpretative calculations thread in the MBNA section. It will give you a clue on what to look for with this lot.

 

Now you won your uphold that is just the beginning. I am sad to say you will be back with FOS shortly. And do make a complaint to the FSA. Its about time they showed an interest in a company NOT following FSA guidelines on PPI redress but writing to you telling you they are. Wonder why they speak with forked tongue. Oh yeah it reduces the payback big time.

 

But well done on your uphold.

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well done on your uphold .dont hold your breath waiting for payout my claim was upheld in october by fos who gave mbna 14 days to redress ,still waiting as i write this .i have complained to fos and was told "just give them a little more time as they are very busy"

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well done on your uphold .dont hold your breath waiting for payout my claim was upheld in october by fos who gave mbna 14 days to redress ,still waiting as i write this .i have complained to fos and was told "just give them a little more time as they are very busy"

 

Or send MBNA a Letter Before Action and force the issue with them.


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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The SAR has given me every PPI transaction i paid for over a decade (I only had about 20 old statements)

 

I also had an MBNA claim upheld in December 2012 by FOS and they have 10 weeks to answer and they should contact me directly. Should I still request an SAR? I had the the credit card for 15 years.

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received reply from fos today."following our involvement mbna has told us they would like to make me an offer as a gesture of goodwill and with no admission of liability to settle my complaint" I have not been told any figures but mbna will calculate the exact amount if i decide to accept.

how can i decide if i do not know the offer and i do have statements because i sar d them last year.if i decide to accept mbna should write to me within ten weeks with the offer, so i am still no clearer on what they are going to offer will have to wait and see.so yes do sar them and then you will have an idea of what your refund should be.

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Yes. Sometimes they charge you interest on money withdrawals from an ATM machine, separate from purchases. I did this a good many times with my credit card. eg.

Interest at 2.075% per month (Cash)

Interest at 1.8% per month (Purchases)

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I also had an MBNA claim upheld in December 2012 by FOS and they have 10 weeks to answer and they should contact me directly. Should I still request an SAR? I had the the credit card for 15 years.

 

Absolutely. You'll need to know whether the bank has made a fair offer or not. Having a SAR lets you calculate all sorts of interesting statistics include how much interest you have paid, how much you have paid in PPI, and how much of a refund you can expect. That in itself is quite a motivator especially when it goes into four figures. Then you can find other items like direct-debit payments that were never cancelled, late fee charges, overdrawn charges.

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FOS upheld my complaint in Decemeber and MBNA had until 2nd Jan to respond. They have since disagreed with decision stating the FOS has not assessed the facts of the case correctly, citing other decisions. They say I would have needed the protection.

First and foremost my complaint was that the internet application would not allow me to continue without it ticked, I did not want it. Also my employment hasn't changed since the application, and I have always had full sick pay, critical illness cover, and would be entitled to redundancy. They are so full of crap and just stalling IMO!

Edited by cbd13

PPI reclaims:

RBS: Received stat interest on premiums - £2345, awaiting premiums refund (possible offset)

Blackhorse: Confirmed upheld, awaiting letter - circa £2k

 

Charges reclaimed:

Barclaycard £800 + 8% - Full refund

MBNA £780 (incl. 8%) - full refund

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