Virgin Money/MBNA credit card PPI & charges reclaim

[johnhn]

I took out a Virgin Money/MBNA credit card in 2005 to take advantage of their 0% balance transfer offer.

 

 

To cut a long story short, Virgin steadily upped the credit limit over the following three years,

in late 2008 I wrote a credit card cheque for several thousand pounds to pay for a home extension.

 

 

The global economy crashed the following week and I found myself without employment,

my wife petitioned for divorce,

I became homeless etc etc

with, amongst other things,

a credit card balance of over £13k

 

After years of being grindingly poor I am now starting to regain and exert some control over my affairs.

I recently used a CMC to establish whether or not I had PPI claims on any of my old accounts

and MBNA came back "positive". I will NOT be using the CMC to reclaim.

 

My MBNA account is one of only a couple for which I still have paperwork, including all but two statements.

Unfortunately, the statements make no reference to PPI whatsoever, only interest and late payment charges.

The original tear-off signature slip is obviously missing

- the remaining part of the page shows two "SIGN HERE" arrows pointing to the missing slip,

one for the account, and one for PPI.

 

I cannot imagine I would have voluntarily requested PPI, as I never knowingly have.

Also, for the last 20 years I have worked as a company director providing architectural services on temporary assignments

- i.e. I am not eligible for PPI protection.

 

The only reference I can find anywhere to PPI is an insurance booklet issued with the original pack,

which states that PPI is charged at £0.72 per £100 of the monthly statement balance.

The statement figures bear no apparent relationship to these figures however.

 

In summary:

 

1)MBNA appear to have acknowledged that I have a PPI product.

2)I have no idea how much PPI was charged or when, as the statements do not show it.

 

Do I:

 

1)Make a complaint to MBNA, take the cheque and then query their (possibly "interpretative") calculations?

2)Start from scratch with a CCA and SAR (bearing in mind the account was opened 11 years ago...)?

 

Confused!

 

I'm also going after them for charges, 6 year limitation notwithstanding - nothing ventured etc...

 

Thanks in advance!

[dx100uk]

send MBNA an sar.

 

 

dx

[johnhn]

SAR sent with £10 postal order.

 

Reply received dated 11th May requesting identity verification and stating "If you have sent a cheque with the request it has been securely destroyed".

 

Identity verification info sent.

 

Reply received dated 27th May stating "To fulfil your request under Section 7 of the Data Protection Act 1998, we require a cheque made payable to MBNA Limited for £10. Please resubmit your request enclosing the applicable fee".

 

Pfff...

[johnhn]

So what do I do? Treat it as a failed SAR and complain with a report-threat, or cough up another £10 to replace the one they ripped up?

[dx100uk]

so you have moved since you took the card out?

[johnhn]

yes - not sure what that has to do with them destroying the fee though

[dx100uk]

you should have included a copy of your CTAX bill or something.

 

 

did you.?

 

 

you can get the PO refunded through the po counter

[johnhn]

you should have included a copy of your CTAX bill or something.

 

 

did you.?

 

 

you can get the PO refunded through the po counter

 

I gave them what they asked for - full name, previous name, date of birth, all addresses since taking out the card, and both account numbers (again).

 

Can I get a refund even without the PO?? I only have the receipt, but I bought several at once and didn't make a note of which postal order went to which recipient...........

 

Think I've answered my own question. This is going to be such a monumental faff I'll just send the fee again and complain...

[dx100uk]

I gave them what they asked for - full name, previous name, date of birth, all addresses since taking out the card, and both account numbers (again).

 

 

so you used the MBNA SAR from their site?

 

 

or our one from here

[johnhn]

the latter. I'd already sent it by the time I noticed they had their own.

[dx100uk]

I gave them what they asked for - full name, previous name, date of birth, all addresses since taking out the card, and both account numbers (again)

so not mbna at all

which is why we say in that sar thread..

 

 

tips for a successful SAR......

 

you MUST sign the SAR.

 

if you have moved since taking out 'whatever' you are sending the SAR for

you should include a list of your addresses from the time of taking out the 'whatever'

 

and if you have moved

its worthy to include a copy of your current CTAX bill

to prove who and where you are now.

an SAR always goes to the original creditor

regardless to if the debt has been sold to a no powers debt collection agency

 

if you do happen to have to sar a dca

its worthy to consider using a blank £10 PO, save giving them a sig to copy from a cheque

and print your name on the SAR letter don't sign it...?

 

dx

[johnhn]

so not mbna at all

which is why we say in that sar thread..

 

 

tips for a successful SAR......

 

you MUST sign the SAR.

 

if you have moved since taking out 'whatever' you are sending the SAR for

you should include a list of your addresses from the time of taking out the 'whatever'

 

and if you have moved

its worthy to include a copy of your current CTAX bill

to prove who and where you are now.

an SAR always goes to the original creditor

regardless to if the debt has been sold to a no powers debt collection agency

 

if you do happen to have to sar a dca

its worthy to consider using a blank £10 PO, save giving them a sig to copy from a cheque

and print your name on the SAR letter don't sign it...?

 

dx

 

I have satisfied them as to my identity. My point is they've already had the SAR fee, destroyed it (rather than return it - it's gone), and are now asking for another £10!

[dx100uk]

I have satisfied them as to my identity. - how?

 

 

My point is

 

 

they've already had the SAR fee,

destroyed it (rather than return it - it's gone),

and are now asking for another £10!

 

 

MBNA at the best of times can be very obstructive.

however, they have in a way done the right thing

by destroying a PO

again however, I don't agree that you should now send a signed cheque.

they don't have the authority to demand such.

 

 

dx

[johnhn]

- how?

 

I gave them what they asked for - full name, previous name, date of birth, all addresses since taking out the card, and both account numbers (again).

 

I'll said another PO - they may as well have ripped up a tenner.

[BankFodder]

open

[johnhn]

21 hours ago, BankFodder said:

open

 

Thankyou!

 

It's been a while...

 

I have finally received SAR info from MBNA. It turns out I had PPI on an earlier account with them from September 2001 to August 2003.

 

A photocopy of the original application shows that I ticked the "Yes" box.

 

Here's what the application says - in its entirety - re: PPI

 

"Safeguard against life's unpredictable events with our payment protection cover for just 58 pence per £100 of your statement balance. Payment Protection Cover is designed to protect your ability to make repayments to your MBNA credit car in the event that you are unable to work due to accident, sickness or involuntary unemployment. Valuable life cover, up to £15000, is also included. We strongly recommend that you take out this cover. For cover, just tick the Yes box".

 

There is no other information or "advice" on the application form regarding eligibility, exclusions, etc.

 

I gave my employment status as self-employed/director of a limited company. Curiously, whilst the MBNA screenshots repeat this, they also say "Limited Company? Don't Know".

 

Unfortunately MBNA have not provided me with any statements whatsoever, so I have no idea of statement balances.

[dx100uk]

ask them?

[johnhn]

31 minutes ago, dx100uk said:

ask them?

 

ask them again, you mean...

 

My SAR stipulated ALL data. They replied asking "by ALL data, do you mean ALL data?", rather unnecessarily, which I confirmed. So they sent me partial data... 

 

I shall ask again, again.

[dx100uk]

simply phone and ask them if they have the statements as they weren't in the SAR return?