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    • Hello,  Me again, back with more questions from my friend because she doesn't want to deal with this part of her life.  She has managed to set up a repayment plan with 247money for the next 3 months.  We have looked at her car finance and she would have reached the 50% payment in Aug 2025  She has 2 questions.  When it comes to Aug 2025 what are her options for VT, I've read a few things and honestly the car sites all seem to give information in different wording so it's hard the grasp the core facts.  If she were to just stop paying the car now, obviously they would action repossession but what is the after math, money outstanding, impact on credit file, court action.  Thank you, 
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MBNA asking mum to phone them..(PPI claim) / **FOS upheld Claim **


hudson255
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Hi there, I am trying to help my mother reclaim PPI she paid some years ago, she sent in the complaint forms in december..she quite quickly received a letter responding just to say her complaint was received and they will look into it.

 

on the 3rd jan 2014 she received a letter it said this..

 

"Dear mrs ****

 

Please accept my apologies for the delay in responding to you; however, our investigations are taking longer than anticipated. We will issue a response by 3/2/14"

 

 

Then today this letter...

 

Latter dated 20/jan/2014

 

"dear mrs ****

 

Thank you for contacting us in relation to your complaint.

 

I would appreciate it if you could please contact us within the next 7 days on ******** (phone number), this will allow us to progress your complaint

 

If we do not hear from you in the next 7 days, we may provide you with a final response based on our findings from the information we hold

 

Yours sincerely

 

Tristen lynes"

 

 

What i would like to ask is Should she phone back? Does she have the rights to phone them simply to acknowledge the letter but ask that all communications are done via letters so she has evidence and can build her case? or would it be better to send a letter first class recorded asking for all correspondence to be kept to letters not the phone?. does she HAVE to speak to them on the phone?

 

Any advice would be appreciated:)

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Do it in writing unless you can record the call. If you cant record it, write back and say "sorry, but everything is to be in writing".

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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nope don't phone them

 

they ask loaded questions

that will either reduce or kill the claim stone dead.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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did you send an FOS customer questionnaire

 

and have you got all the statements.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for all the responses I will go ahead and write a letter asking for all contact to be by letter only.

 

I have sent in the FOS questionnaire from Money Saving Expert but Mum doesn't have any statements so I'm

going to pay £10 to get a full record of the account.

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Thank you for all the responses I will go ahead and write a letter asking for all contact to be by letter only.

 

I have sent in the FOS questionnaire from Money Saving Expert but Mum doesn't have any statements so I'm

going to pay £10 to get a full record of the account.

 

PPI Redress complainants should always make a FULL SAR; invaluable information!

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  • 1 year later...

A long overdue update..

 

(this was all early last year)

 

A Letter was sent to MBNA stating all correspondence must be in writing..2 times they replied saying they needed more time and would reply by a certain date, on the last letter they replied several days late to say they would not be upholding the claim.

 

We then referred the claim to the financial ombudsman, and within 2 weeks the claim had been found in our favor!.

 

Total amount paid by MBNA was just a shade over £7500

 

Now we know why they really took their time over this! A long overdue thank you for the advice:) It feels fantastic to have done this ourselves and retained every penny owed.

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Excellent news, I will amend your thread to reflect your success.

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Uploading documents to CAG ** Instructions **

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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

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1: How can BCOBS protect you from your Banks unfair treatment

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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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