reclaim MBNA PPI where no CCA exists?

[gordies]

MBNA sold off an alleged debt after admitting that they could not provide a full copy of the CCA.

 

Naturally the DCA's are now lettering and phoning all the time.

 

There is a huge amount of PPI charges that I want to reclaim BUT can I really do this when there is no full copy of the CCA?

 

thanks for any advice.

 

Gordies

[ken100464]

Gordies.

 

Most certainly you can. What reason do you think it was miss-sold

[gordies]

Gordies.

 

Most certainly you can. What reason do you think it was miss-sold

 

I was self-employed at the time.

 

So, without a CCA, how do I prove the PPI and how do I claim when no figures are available?

 

thanks

[ken100464]

Right ok.

 

I would look at a PPI claim as a number of stages you have to complete before you get to the next one.

 

If you are sure you had PPI and are happy to allow the bank free reign on what they offer then you go to the FOS website and download a FOS PPI complaint form. Fill it in and send to MBNA. Fill it in to the best of your ability but dont say something that you have read on here that you are not sure of. ( No good saying you didnt tick the box for PPI when it was actually an online application. That sort of thing. Being self employed is a pretty good reason mind)

 

They will inturn either uphold or tell you to go feck yourself.

 

Here is when you realise that a SAR would have been good as you either need proof that you had PPI or you need to check that what they offer you is correct. At present what MBNA are offering is laughable.

 

It is here when things become interesting and the interpretive calculation thread on here is invaluable.

 

But really I am jumping the gun. If it were me I would SAR them first. Letter is in the library on here green tab at the top. Make sure you had PPI when the SAR comes back. If you didnt then its not £10 wasted it will stop you wondering and save you chasing. Also if you did have PPI then you will need this later.

 

Be aware the SAR is the first chance they have to jerk you around which they will if they can. Just be patient. Softly softly catch the monkey in PPI claims.

 

If you do have PPI then bang in the PPI FOS form to MBNA and see what they say.

 

Then as I said at first its when the fun will begin and you will probably become quite indignant. Not with me but with your bank.

 

Good luck with this. Takes some time but do it in stages and it wont seem so bad.