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  • FIRST POST
    • WelshDragon71
    • By WelshDragon71 1st Jun 11, 10:31 AM
    • 32Posts
    • 5Thanks
    WelshDragon71
    CC PPI claim info request
    • #1
    • 1st Jun 11, 10:31 AM
    CC PPI claim info request 1st Jun 11 at 10:31 AM
    Hi all, I have no idea if I can claim my PPI back on my credit card so I'd like some advice.

    My CC is currently supplied by MBNA but was an Alliance and Leicester card originally. Will that affect any claim? I'm not sure at what point the changeover occurred.

    I've had the card for a LONG time when it was A&L supplied (going back to the '90s and been paying PPI on it from the beginning.

    Am I right in assuming that "Payment Protection Cover" is the same as PPI?

    I've been unemployed since Oct 2005 because of a disabilty, will that effect any possible claim?

    Thanks in advance for any advice.
Page 1
  • SamN
    • #2
    • 1st Jun 11, 12:08 PM
    • #2
    • 1st Jun 11, 12:08 PM

    My CC is currently supplied by MBNA but was an Alliance and Leicester card originally. Will that affect any claim? I'm not sure at what point the changeover occurred.

    I've had the card for a LONG time when it was A&L supplied (going back to the '90s and been paying PPI on it from the beginning.

    Am I right in assuming that "Payment Protection Cover" is the same as PPI?
    Originally posted by WelshDragon71
    I can't answer all your Q's but I am just about to do the same as I didn't opt for the PPI when it was A&L and it has always been on my statements but I didn't realise till recently. MBNA will have taken on all the Liablities from A&L so we should be ok.

    Yeah PPC is PPI It's an insurance policy.

    Out of interest are you just asking for them to supply you with your Terms and conditions from your application or are you also including in the letter that you have been mis sold the policy?

    I am in to minds as to what to do and looking for advice as to whether I should say it straight away or hang fire until I have their response?
    • WelshDragon71
    • By WelshDragon71 1st Jun 11, 7:53 PM
    • 32 Posts
    • 5 Thanks
    WelshDragon71
    • #3
    • 1st Jun 11, 7:53 PM
    • #3
    • 1st Jun 11, 7:53 PM
    I can't answer all your Q's but I am just about to do the same as I didn't opt for the PPI when it was A&L and it has always been on my statements but I didn't realise till recently. MBNA will have taken on all the Liablities from A&L so we should be ok.

    Yeah PPC is PPI It's an insurance policy.

    Out of interest are you just asking for them to supply you with your Terms and conditions from your application or are you also including in the letter that you have been mis sold the policy?

    I am in to minds as to what to do and looking for advice as to whether I should say it straight away or hang fire until I have their response?
    Originally posted by SamN
    cheers for the info, erm I have no idea what I'm doing as I can't seem to find specific advice on just credit card PPI claims. Most info is about loans etc and I'm not sure what applies and what does not. I can't even remember the application for the card originally, but seeing as I pay the card off every month and if I couldn't I wouldn't use the card I don't think I need or ever needed the PPI. Which I presume is the basis of a claim, that it was missold?
    • WelshDragon71
    • By WelshDragon71 2nd Jun 11, 8:14 AM
    • 32 Posts
    • 5 Thanks
    WelshDragon71
    • #4
    • 2nd Jun 11, 8:14 AM
    • #4
    • 2nd Jun 11, 8:14 AM
    Can anyone tell me what my first step should be?
    • WelshDragon71
    • By WelshDragon71 2nd Jun 11, 7:52 PM
    • 32 Posts
    • 5 Thanks
    WelshDragon71
    • #5
    • 2nd Jun 11, 7:52 PM
    • #5
    • 2nd Jun 11, 7:52 PM
    anyone?? Do I use the PPI consumer questionnaire??
    • amersall
    • By amersall 3rd Jun 11, 9:54 AM
    • 16,413 Posts
    • 18,409 Thanks
    amersall
    • #6
    • 3rd Jun 11, 9:54 AM
    • #6
    • 3rd Jun 11, 9:54 AM
    Hi there, look here for reasons for mis sell and how to put a claim in

    http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance
    If any/all apply to you then put a claim in.

    Reclaiming is the same for a cc or loan.If you need anymore help just ask.

    If you are unemployed why did you not claim on the ppi?.

    • WelshDragon71
    • By WelshDragon71 3rd Jun 11, 10:34 AM
    • 32 Posts
    • 5 Thanks
    WelshDragon71
    • #7
    • 3rd Jun 11, 10:34 AM
    • #7
    • 3rd Jun 11, 10:34 AM
    Hi there, look here for reasons for mis sell and how to put a claim in

    If any/all apply to you then put a claim in.

    Reclaiming is the same for a cc or loan.If you need anymore help just ask.

    If you are unemployed why did you not claim on the ppi?.
    Originally posted by amersall
    many thanks for the link I'll read and digest it.

    I havn't claimed on the PPi because for one I forgot I had it at the time of being made redundant, I was made redundant on medical grounds and lastly I have been wise with my card and limited fund and have never struggled to pay off the card every month. So in short I have never needed the PPI. Even tho I qualified for some of the assistance. Would that affect a claim?

    (had to remove the link as I can't post them)
    • amersall
    • By amersall 3rd Jun 11, 10:52 AM
    • 16,413 Posts
    • 18,409 Thanks
    amersall
    • #8
    • 3rd Jun 11, 10:52 AM
    • #8
    • 3rd Jun 11, 10:52 AM
    many thanks for the link I'll read and digest it.

    I havn't claimed on the PPi because for one I forgot I had it at the time of being made redundant, I was made redundant on medical grounds and lastly I have been wise with my card and limited fund and have never struggled to pay off the card every month. So in short I have never needed the PPI. Even tho I qualified for some of the assistance. Would that affect a claim?

    (had to remove the link as I can't post them)
    Originally posted by WelshDragon71
    That is a good reason for you not needing it, as you paid the card even when not working, so use that as well.

    • WelshDragon71
    • By WelshDragon71 6th Jun 11, 8:52 AM
    • 32 Posts
    • 5 Thanks
    WelshDragon71
    • #9
    • 6th Jun 11, 8:52 AM
    • #9
    • 6th Jun 11, 8:52 AM
    That is a good reason for you not needing it, as you paid the card even when not working, so use that as well.
    Originally posted by amersall
    Thanks for the help!
    • amersall
    • By amersall 6th Jun 11, 5:03 PM
    • 16,413 Posts
    • 18,409 Thanks
    amersall
    Thanks for the help!
    Originally posted by WelshDragon71
    Fingers crossed xxxx and everything else

  • rockstar44
    MBNA Credit Card
    I didn't request any information from MBNA! I realised it had been on my statements but had no recollection of agreeing to it! I sent one letter explaining why I thought it had been mis-sold (good terms & conditions at work I didn't need it!) along with the FOS Questionaire, I had 2 letters saying they were looking into it and then a letter to say they were sending a cheque for £3923.82! I haven't had the cheque yet mind you!
    • amersall
    • By amersall 6th Jun 11, 6:40 PM
    • 16,413 Posts
    • 18,409 Thanks
    amersall
    I didn't request any information from MBNA! I realised it had been on my statements but had no recollection of agreeing to it! I sent one letter explaining why I thought it had been mis-sold (good terms & conditions at work I didn't need it!) along with the FOS Questionaire, I had 2 letters saying they were looking into it and then a letter to say they were sending a cheque for £3923.82! I haven't had the cheque yet mind you!
    Originally posted by rockstar44
    Well done and congrats

  • marshallka
    Brilliant for you. Well done.
    • WelshDragon71
    • By WelshDragon71 31st Aug 11, 1:46 PM
    • 32 Posts
    • 5 Thanks
    WelshDragon71
    Well I sent off the consumer questionanaire with as much detail as I could remember and after a couple of "We're looking into it" letters I got confirmation of a payout of £511.92. Initially happy, then I thought "hang on" I've had that account for years, so I manually checked my PPI charges and give or take a few quid since 2003 I have paid over £480 (the payout letter states I've paid £476.44). So clearly MBNA are not paying back what I paid before 2003. Is that the limit time of payouts, or should I continue to manually calculate my PPI charges earlier than 2003 (still got many statements to check) and then complain to the Ombudsman?
    • WelshDragon71
    • By WelshDragon71 5th Sep 11, 10:46 AM
    • 32 Posts
    • 5 Thanks
    WelshDragon71
    Can anyone answer the question I asked above?
  • biondani
    The only people that can answer that are MBNA. I know they are paying out on accounts before that date as my account was closed around 1997 and I got my PPI premiums back plus the 8%. I would recommend giving them a call to ask.

    Ian
  • LynK
    Can anyone answer the question I asked above?
    Originally posted by WelshDragon71

    I had an old A&L card, later transferred to MBNA, I had my claim successfully upheld by MBNA, but I am currently trying to reclaim with Santander from before it was transferred to MBNA, I have supplied Santander with all the details including the figures from MBNA.

    To date I have had absolutely no joy with Santander, they have lost letters I sent, not logged phone calls, refused me a SAR twice, so I resorted to emailing the CEO. I am awaiting a response.

    Good Luck
    • WelshDragon71
    • By WelshDragon71 22nd Oct 11, 1:33 PM
    • 32 Posts
    • 5 Thanks
    WelshDragon71
    Thanks both, I'll progess this further.
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