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MBNA asking mum to phone them..(PPI claim) / **FOS upheld Claim **


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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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They just what a bit more info there's nothing wrong talking to them on the phone, just tell her not to say to much , and if they make a offer tell her ask for it writing .If you can record it then do so.

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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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Oh thats fantastic news!!! Im so glad for you.

Would you potentially fire some over to CAG? This site always needs donations :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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

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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