Jump to content


Mbna ppi time bar - fos rejected claim


Please note that this topic has not had any new posts for the last 1774 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello,

 

I started a PPI claim from MBNA (credit card) PPI was automatically added,

The card started about 1995 (I was about 20) still used today.

 

I have been told by the FOS (via a ppi claim company)

that MBNA has said a time bar applies to my claim as I received statements

and the ppi would have been on them.

Well sure it was every one would have who had PPI.

 

I understand this is fair enough and there will be people saying this is my fault

but I did not even know I had PPI (hence miss sold) and this was my first credit card when I was young

and obviously a lot went on this card to get me by in the early years,

 

 

Also to be honest I never checked every transaction I simply look at the amounts and mentally check the figures

I still do the same today with all my accounts.

I am extremely tied up from 6am until around 8pm working and paying lots of tax... lol

 

I have read about the 6 and 3 rule and also a lot of posts revolving around this matter,

I feel this is a loop hole at which all banks can refuse PPI on maybe 9 out of 10 requests,

so is this PPI coming to an end and shafting the late claimers

who have only heard about PPI reclaiming on the media ?.

 

I feel let down by the FOS at the moment as if PPI is Fraudulently or secretly added is does not matter when it was?

 

I have re submitted/escalated to the FOS stating I was not aware of the PPI until my first phone call to MBNA

within the last 2 years and asked on the phone what is this payment for ?

 

Has anyone else had this issue and had a resolve ?

 

Thankyou

Link to post
Share on other sites

well id dump the CMC as it'll lose you +35% of your claim.

 

 

there is no time bar on PPI

 

 

std reply from MBNA to put you off

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... 

Link to post
Share on other sites
  • 2 weeks later...

Ok Here is the update,

 

FOS is still saying that I should have checked my statements and the time bar still stands.

 

Looks like I cant claim any PPI back, so this is a loophole to not pay out PPI.

Link to post
Share on other sites

scan up the letters from the fos please

upload

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... 

Link to post
Share on other sites
  • 2 weeks later...

As requested here are the responses from MBNA and FOS,

 

I kind of get that it is a while ago but fraud is fraud, intentionally adding a service not asked for I would thought would need repaying.

 

I would have thought that PPI is not a "Sale" , its a service that is on going so why does that fall into the 6 / 3 year slot.

 

 

thanks for the interest in this case, I was wondering if anyone else had come up against this "timeBar"..

 

 

Thankyou.

FOS Response.PDF

MBNA Response.PDF

Link to post
Share on other sites

I sadly feel this is down to the reason your claims company used

for the mis-sale.?

what was the reason for reclaiming.

simply relying upon, you didn't know

has put you in this position.

 

 

not being suitable [how where you employed etc]

might have been a better reason

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... 

Link to post
Share on other sites

Hello dx,

 

the forms did state that I have always turned down any insurance and that I was always in full time employment with full pay even when on sick (staff pay), I also have the forms for this.

 

I honestly in about may last year rung up MBNA after looking at a statement asking what the payment was for

and was shocked when the telephone operator said it was payment protection cover,

 

 

I cant remember the discussion after that as I knew I had this card along time (with a good balance on it)

then next time I checked the statement it was changed from payment protection cover to lifestyle protect

(which also brought down the ppi cover from £30 to about £16),

so they were milking me till the last second.

That alone to me is not good..

 

I will see if I can scan the forms.

 

thanks

Link to post
Share on other sites

why not sar MBNA?

then prove that phonecall happened.

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... 

Link to post
Share on other sites
Hi,

 

ok I will do the letter. I take it MBNA will still stick to the timebar. :(

 

Do you think I should write to the senior FOS

and state that I did ring up nearly a year ago when I found out I had PPI,

and also state it was not sold to me because really its a service (ongoing) not a sale

so the 2.8.2 should not apply as its a loop hole,

 

 

why should I look for something on my statements I did not ask for ?

May be stating that this is negligence and purposely added for illegal financial gain.

 

I don't want the original complaint to be barred again because its outside a time limit like 21 days after the FOS last decision.

 

thanks

 

thanks

Link to post
Share on other sites

i'd gather everything you can first.

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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...