MBNA - Miss sold PPI

[kate999]

Hi Guys - Been a while since I have been on the site and was hoping for some help please.

 

I am actually supporting a close friend who tried to reclaim her PPI from MBNA.

She actually had 2 credit cards with them and has tried to reclaim on both,

they were both running at the same time 2009 - 20011 - they are both paid off in full.

 

She received a telephone call last year from them advising that she may be able to reclaim

and did a brief interview over the phone,

she then had to complete the questionnaire they sent her,

which she did and returned.

 

She then received a response from them advising she chose the PPI and she stated she was eligible for the PPI insurance,

they also stated on both responses that if she was to find herself unable to work

then she would have not been able to cover the cost of the repayments.

The response was standard for both accounts and that was their final response.

 

When she advised me of what had happened I suggested she sent off for a SAR on both accounts

- unfortunately she has not kept any statements.

They have now been returned and the results are "interesting" -

 

CARD ONE - My friend was approached on the way to her holiday at the airport.

She remembers very clearly what happened, and remembers saying to the sales person that she didn't really have time

- they said it would take a few minutes, they would fill in the details and all she would have to do is sign.

 

We now have a copy of that application and there are several concerns

- the application form was not written in her handwriting, and the sales person had written that she was employed

and worked for a company that she has never even of!!!

 

The sales person never even mentioned PPI and there is NOWHERE on the application form about PPI

- which clearly shows she never even asked for it!

 

CARD TWO - This one was taken out about a year later, and from their records she applied for it over the internet.

What we have for this one is a copy of the credit agreement,

there is a section on there offering Life Style Protect, card protection one year and card protection 3 years.

 

The box for the credit agreement signature is ticked and the box for Life Style Protect is also ticked,

my friend is adamant that there is no way she would have ticked for something

she hadn't a clue about and never received any literature about in the future.

 

She is one of many people out there that has assumed that PPI was standard on all credit agreements

which is why she never challenged the appearance on her statements.

 

I am aware from my research and others experience with MBNA and self employment

that that is not a valid enough reason on it's own,

that they would have actually have had to cease trading with HMRC.

 

I have that angle to work with when recontacting MBNA

and also the applications process to claim they were miss sold.

 

I just wanted to double check with you guys that I am going along the right route with this, and if you had any suggestions?

 

I was also wondering if anyone could advise which spreadsheet we would use?

MBNA haven't send copies of her statements - just a list of transactions.

 

Thank you for you help in advance!

[dx100uk]

have a look at the interpretive calculations thread

 

as for the two cards

 

the first one

 

excellent way for that button holer making a good commission out of her.

i'd say the button holer filling out the forms is a very good reason

 

the 2nd

 

its well known the MBNA site had the PPI box pre ticked I think

 

dx

[kate999]

Cheers dx - thanks for the input - nice long thread for me to work though, no don't just the info I needed!

Best go get the kettle on, looks like I will need a brew to work through that one! Lol!

[ken100464]

Kate.

 

The interpretive calculations will probably come into its own when/if you get an uphold as it deals with redress.

 

However there are some bits within it of use.

 

Transaction log. It has the data you need however not in a user friendly or way consumers normally see this information. Sadly I believe they may have complied with your SAR but they might also be witholding vital information for further down the line. Is well worth asking them for statements and if they decline perhaps ask the ICO to intervene.

 

Dont take no for an answer with this lot until basically someone independant says your wasting your time. They are as slippery as they get and are quite arrogant with it.

 

dx has given you pointers as to why it was missold. Join the big thread once you get that and we can take you through the maths side.

 

Personally I wouldnt go down the road of any spreadsheets yet. Get the uphold first.