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MBNA Posted Credit Insurance = PPI?


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I'm looking to reclaim from MBNA.

 

Sent a SAR request and got a reply this morning.

 

The information they sent goes back to 2007 although the credit card was taken out in 2002.

 

Is it possible they do not have the info prior to 2007 and how do I find out if they do?

 

On the transactions list they ahve sent me there are :

 

'POSTED CREDIT INSURANCE FEES' until April 2008,

then there are 2x 'CREDIT INSURANCE PLAN COVERAGE' entries

and then they seem to call it 'PAYMENT PROTECTION COVER' for the remainder of the card life.

 

Are these all PPI entries?

 

Whats interesting is on the CCA they sent me which i'm not sure is even enforceable I have ticked the box refusing Payment Protection Cover.

 

Also on the documents are entries for

Late fees -£12

Special Cash Interest

Posted Retail Interest

Posted Cash Advance Fees

Posted Cash Advance Interest

Other Interest

Overlimit Fee

Finance Charge (after April 2008)

 

Can any of these be reclaimed also and if so can I sned them a letter along the lines of 'please refund all PPI and charges'? or will they be separate claims?

 

Thank you

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Hi

 

See the answers in blue below

 

I'm looking to reclaim from MBNA. Sent a SAR request and got a reply this morning. The information they sent goes back to 2007 although the credit card was taken out in 2002. Is it possible they do not have the info prior to 2007 and how do I find out if they do?

 

They will claim that they do not hold data beyond six years ago and yet we do know that lenders do hold older data. You should try the failed SAR letter from the CAG library, the link to which is at the top of every CAG page in green. If they tell you that they do not have older data, you could ask for a formal letter signed by their Data Controller confirming this to be the case. That would then be useful to you in any court proceedings you may bring if you subsequently find out that they have withheld data from you.

 

On the transactions list they ahve sent me there are :

 

'POSTED CREDIT INSURANCE FEES' until April 2008, then there are 2x 'CREDIT INSURANCE PLAN COVERAGE' entries and then they seem to call it 'PAYMENT PROTECTION COVER' for the remainder of the card life.

 

Are these all PPI entries? Yes

 

Whats interesting is on the CCA they sent me which i'm not sure is even enforceable I have ticked the box refusing Payment Protection Cover.

 

Also on the documents are entries for

Late fees -£12 Reclaimable

Special Cash Interest

Posted Retail Interest

Posted Cash Advance Fees

Posted Cash Advance Interest

Other Interest

Overlimit Fee Reclaimable

Finance Charge (after April 2008)

 

The other items cannot be reclaimed per se but your PPI reclaim should include interest charged as a result of the PPI premiums and your charges reclaim should include interest charged as a result of those charges as well.

 

Can any of these be reclaimed also and if so can I sned them a letter along the lines of 'please refund all PPI and charges'? or will they be separate claims?

 

Keep the PPI claim and the charges claim as separate things. It isn't just a matter of sending a letter though. For the PPI claim you should complete a fos Consumer Questionnaire which is available from the fos website and send that with a brief covering letter to MBNA requiring them to refund you. They will have 8 weeks to investigate and give you a final decision. It would also be wise to prepare a spreadsheet so that you have some idea of how much you are due back.

 

For the charges claim, complete a spreadsheet and send them a preliminary letter of your claim. They will almost certainly refuse and if that is the case then you will send them a Letter Before Action and of they still refuse you sue them for the charges. Bear in mind that a charges reclaim may well end up in court so you need to be prepared for that eventuality.

 

The spreadsheets for your claims can be found here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

Thank you

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