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    • Most contracts are subject to the Consumer Contracts Regulations 2013 which provide that you have a cooling off period of 14 days when you make a contract online or off premises. Unfortunately there are various exemptions and insurance contracts is one of them. It's hugely unfair in my view. Obviously if the insurance cover has already started then it may well be fair – but for a contract to start and insurance cover in the future, it seems to me that there should be a right to cancel at least until the beginning of the cover. So the answer is – yes they are entitled to levy a charge although that charge has to be reasonable and to reflect their administrative losses caused by your breach of contract. £29 sounds a little bit on the steep side and you can make an issue of it if you wanted. That means that you could require them to give you a detailed breakdown as to how this reflects their administrative losses and if you felt that you disbelieve them, you could decide to issue a claim and take it to the Small Claims Court. I would say that in the event there is a very high chance that they would back down simply because it wouldn't be worth their while to defend – but you can't bank on this and it would be a risk to you.  
    • Yes please - as requested above please will you post the claim form and the judgment in pdf format
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    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
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rs500man

MBNA - PPI Claims - Advice required

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first of all to say hello to all users. i am new here be gentle :). i have read the forum rules etc .

 

feel free to say hello and if i can help i will.

 

right down to the nitty gritty.

 

i have recently discovered i had ppi with mbna on 3 accounts out the 6 they told me i had in total

(possibly linked cards)

 

they are investigating the 3 they have told me about. is it worth me sending sar requests for the others. just read some old posts regarding dishonest mbna online. or am i barking up the wrong tree here.

 

grateful for any help or advice

 

all the best

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Are you sure you had three separate policies?

 

With linked cards, you usually just have the one policy.


Warning: Freemen of the Land Operate here. Think twice before accepting 'legal advice'.

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Hi thanks for replying

 

They sent me 3 separate letters for each of the 3 cards they investigating. Tbh my initial phonecall the guy on the phone was helpful. He told me the 6 numbers and what years they were from and which had ppi. 1 of the 3 cards is from 2002 and the other 2 are from 2003.

 

I have got 3 standard no ppi on cards letter for the 3 that they told me had no ppi stating the obvious I know.

Any thoughts ?

 

I can call mbna in am and report back weather they all 1 account or separate

 

Thanks

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Hello and Welcome rs500man,

 

I'd think it would be worth your while sending a SAR for all the information they have on you, cost you a £10 mind but could come up trumps.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hello and Welcome rs500man,

 

I'd think it would be worth your while sending a SAR for all the information they have on you, cost you a £10 mind but could come up trumps.

 

 

 

Yeah I will do. Will keep thread updated

 

Thanks for your time and reply. Appreciated

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Spoke to mbna. They are all separate account and not linked.

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Had another letter saying will let me know by 12th October of any decision.on all accounts

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Had another letter saying will let me know by 12th October of any decision.on all accounts

 

Let's hope you get some good news.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hopefully mbna redress honestly. Tbh they have now said I've got ppi on an account they first said that never had it. See what happens after the 12th. See if they need to be sar'd . Will ask for the sheet versions etc etc

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See if they need to be sar'd .

 

Yes, It's always worth sending a SAR, more than likely the best £10 you'll ever spend.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Yeah I've had a payout from barclays before I discovered cag. There sar deadline is coming up. Hoping they have been honest. Also mbna as above. I've read some of the past horror stories on here

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