MBNA PPI Claim

[Gazzazulu]

Hi all

Had a credit card with MBNA since December 2001.

Couple of months ago thought I would just check on the off chance that I had PPI

- couldn't see anything when I looked online at my account.

 

I went through the MBNA website and lo and behold it says that my account has had PPI from the minute the account was opened in 2001.

 

Went through the claim and was given the 8 week deadline for a response.

Had two letters from them confirming that they were still working on it.

Got to the deadline day and decided to call them.

 

Was told that indeed my claim had been upheld and that a payment was due of £576.48.

I queried this amount and asked how they had made the calculation.

The guy couldn't tell me but obviously had a script saying that with this amount my account would be back to normal.

 

Not being satisfied with that I called again that day and spoke to another guy who again gave me no info.

I asked if he could tell me how much each PPI premium was worth and what interest it had been rated at.

Nothing. He said that he had no access to such info.

 

Stewed on this and called again next day and spoke to a lady.

All of a sudden she could supply me with all the info I needed, interest rates, actual premium amounts.

 

On me remarking sarcastically that I couldn't understand why MBNA would bother sneakily cheating me out of less than £600 in 17 years.

Didn't seem worth the bother. She then said that the PPI had been closed in March 2003 on this account, as per written request by me, the customer.??????

This was clearly a lie and alarm bells started ringing.

The script kicked in perfectly again

- "most people don't remember what they did some 17 years ago".

 

I obviously asked for a copy of the letter to which I was told that we no longer have such a thing on file. Very convenient!

 

I am alleged to have written cancelling an account that I still didn't know I had 17 years later.

I told her that I smell a rat, based on the calculation she had presented me they could owe £15-£20k.

Would make sense to try and blag me.

 

She told me to send in a cheque for £10 and a request for "SAR" which she claims would show every single detail on the account from day 1.

But now I don't trust them nor anything that they send me.

Today I received the cheque which clearly I will not bank.

 

Does this sound right to anyone?

 

In two emails, two letters and then two conversations with their office nobody once mentioned that the PPI had only been for just over a year and that I had cancelled it in writing.

Has anyone else had an experience like this?

Feel like they have me over a barrel. Help!!!

 

Thanks

[dx100uk]

sar then