MBNA refusal help please ?

[Waterloo1]

Hi 
please may I ask for help from anybody else who has had experience with MBNA PPI. 
I took out PPI on a Credit card in 1998, card running until 2015.
i applied for PPI refund just before the deadline. 
It has been delayed many times,

 

a few days ago I received letter with the a questionnaire to fill out.

I haven’t had chance to finish this yet to return but today have received a refusal. 

Based on it was a Postal application which you purchased PPi on same day. 

We did not provide any advice or recommendations when you purchased the policy

The conditions stated you had to be 18-65 and a UK resident in permanent employment. I have checked our records and am satisfied but you were.

at the time you purchased it was 68p per £1.00 of the statement cost.

If you made a successful claim the policy could cover at least 3% of the balance in a statement period. This could have been paid for up to 12 months per unemployment claim . in the event of a claim it would have been paid until you returned to work.

i believe you would have received benefit from the PPi policy in the event of sickness, unemployment or hospitalisation and im not persuaded at the time that you had sufficient meanS to cover long periods of payments if needed.

in Addition

Any other sick pay or benefits wouldn’t have prevented you from making a claim under the policy

There were no other terms, limitations or exclusions which were likely to have prevented you from making a claim under the policy 

you could cancel at any time.

...............

heres the situation

they have awarded Plevin

however I suffer from epilepsy and am unsure if this would have invalidated the cover ?

 

Also would a postal application have asked me for any medical conditions back in 1998

I just can’t remember ? 

Thankyou for any help or advice ad

[dx100uk]

Please scan the letter upto one multipage pdf

read upload

 

So what is your problem?

you think ppi premiums should be returned

and not a plevin commission refund?

or you dont think you shourld get anything??

[Waterloo1]

Thankyou I was asking really if because I have Epilepsy this would have invalidated my point policy and therefore been a reason to argue the policy wasn’t suitable for me.

i haven’t had a chance to advise them of this yet as they sent the refusal letter 2 days after the Questionaire came. 

Im not sure if when I applied via postal application in 1998 it would have asked about medical conditions.

i am trying to upload the letter now but struggling

 

[dx100uk]

no would have simply been a tickbox if you wanted it 

and anyway they weren't regulated in 1998.

 

unless you did and sar got all the info first there's little you can really do now.

but a plevin claim for a 1998 card till 2015 should be in the £1000's anyway I expect.

 

cant comment without seeing the letter follow my last post please

[Waterloo1]

07-11-2019, 17:

 

have attached thanks.

 

Ok so no point replying that I had long term health condition then ? 

 

And accept the Plevin instead ? 

[dx100uk]

pers i'd except that

 

you ticked the PPI box

it was quite correctly an unadvised sale at that time

and at that time they were unregulated anyway so didn't even have to carry out any checks and even if they did or did not, there is no-one that can tell them they were wrong at that time

 

they cant escape plevin as they admit you signed up for PPI, so they were offering PPI

and they are already down on record they attained more than 50% of your policy sale from the PPI underwriter as a backhander so....

[johnson94]

AM i able to cash the Plevin cheque in lieu of trying for the PPI with the extra information I have ? Or if I cash it will they consider it game over ? Thankyou

[dx100uk]

you cant claim both

 

dx

 

[Waterloo1]

HI @dx100uk 

 

please could i ask ask your advice ? I sent Sar req to mbna re the above. MBNA have taken over  a month to replyi need to send proof of address utility bill or passport to Lloyds branch to be verified.

 

however I sent them a Utility bill with my request due to fact MBNA account was at my old address with parents. I have rang them to advise already sent Utility bill, they are saying I must go to branch with my ID so they can see me in person and only then will they start the 30 day request period. 

 

Os this correct ? It runs my time down if I need to Send to FCO. 

 

Thanks for yor help 

[dx100uk]

Read the sar link and all its posts

 

What has a concert orchestra got to do with this?

[Waterloo1]

Sorry meant FOS ! Auto update.

 

I’ve read the Sar post

can’t see thing about it going  to lloyds bank to prove identity

 

I have already sent themselves utility bill asked on phone if I could email Council Tax or passports copy told no have to take proof to bank to be signed in person. Then 30 days begin. Very annoying given I’ve waited over a month already. 

[dx100uk]

did you send ctax with original request.?

yes they can ask for suitable i'd .

 

dx

[Waterloo1]

Yes i did which he confirmed they have . I will have to pop to the bank then thanks 

[dx100uk]

shame, they shouldn't be pulling these stroke, but ok get it done

 

 

[Waterloo1]

I have received my Sar info back finally.

Advised I especially wanted the Credit Card agreement / Terms and Conditions.

( As I wanted to see if there was any info regarding excluding medical conditions from the PPI claim as I have Epilepsy).

 

Have received all data back including statements ( only available from 2011) not held between 1998-2011 it says.

they say they don’t have my CCA adding though that they would have required sight of a signed agreement.

 

They haven’t put anything about Terms and Conditions so I can’t check whether Epilepsy diagnosis would have been excluded. 

Is it worth me appealing this to the FCA on the grounds the cover wouldn’t have paid out or not ? 

 

I have been offered plevin at £1400 but a full payout would have been a lot more this Ian when i am querying. 

 

Thanks for any advice you can give 

[dx100uk]

On 07/11/2019 at 21:33, dx100uk said:

pers i'd except that

 

you ticked the PPI box

it was quite correctly an unadvised sale at that time

and at that time they were unregulated anyway so didn't even have to carry out any checks and even if they did or did not, there is no-one that can tell them they were wrong at that time

 

they cant escape plevin as they admit you signed up for PPI, so they were offering PPI

and they are already down on record they attained more than 50% of your policy sale from the PPI underwriter as a backhander so....

 

dx

[Waterloo1]

Thankyou for that, so even though in my letter they say they have checked records from that time and I was eligible and the premium would have paid out under sickness ( even though the sar says they don’t have any records).

thanks for your advice. 

 

[dx100uk]

On 07/11/2019 at 17:02, Waterloo1 said:

Based on it was a Postal application which you purchased PPi on same day. ...

We did not provide any advice or recommendations when you purchased the policy...

i believe ...There were no other terms, limitations or exclusions which were likely to have prevented you from making a claim under the policy 

 

it was an unadvised ppi policy sold by them, you chose it, you didn't tell them you suffered Epilepsy...

the above statement is thus sadly true...

now had you told them of your condition AND they still accepted you..that would be another matter.

 

dx

 

 

[Waterloo1]

NO problem Thankyou I wasn’t sure if they had to provide some kind of info at the time re exclusions. Thanks