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Waterloo1

MBNA refusal help please ?

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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

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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??


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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

 

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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

  • Thanks 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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 ? 

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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....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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

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you cant claim both

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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