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  • FIRST POST
    • Sarah0371
    • By Sarah0371 6th Oct 17, 9:38 AM
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    Sarah0371
    MBNA PPI refused
    • #1
    • 6th Oct 17, 9:38 AM
    MBNA PPI refused 6th Oct 17 at 9:38 AM
    We have tried to reclaim PPI from MBNA but have been told they sent a letter Sept 2013 and we had three years to reply. We never got the letter or we would have made the complaint for the money. We went to the financial ombudsman but they are agreeing with MBNA that we are out of time. That we should have know before now that we had been mis sold PPI and claimed before now ! Is there anything else we can do ? We didn't receive the letter so how can they say what they are saying ? Any help would be appreciated
Page 1
    • zx81
    • By zx81 6th Oct 17, 9:50 AM
    • 14,401 Posts
    • 15,197 Thanks
    zx81
    • #2
    • 6th Oct 17, 9:50 AM
    • #2
    • 6th Oct 17, 9:50 AM
    No. You're time barred.
    • dunstonh
    • By dunstonh 6th Oct 17, 10:18 AM
    • 89,930 Posts
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    dunstonh
    • #3
    • 6th Oct 17, 10:18 AM
    • #3
    • 6th Oct 17, 10:18 AM
    Is there anything else we can do ?
    No. Once timebarred, its over

    We didn't receive the letter so how can they say what they are saying ?
    Or you did receive it and didnt really read it. Perhaps thinking it was marketing. How you can you say you didnt get it.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 6th Oct 17, 10:48 AM
    • 18,906 Posts
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    Moneyineptitude
    • #4
    • 6th Oct 17, 10:48 AM
    • #4
    • 6th Oct 17, 10:48 AM
    We have tried to reclaim PPI from MBNA but have been told they sent a letter Sept 2013 and we had three years to reply. We never got the letter
    Originally posted by Sarah0371
    Unfortunately, the Bank only have to show that they sent the letter and it is assumed it was received. Regardless, it was only a invitation to complain-it was not an admission that you were mis-sold. There are no guarantees that you would have had a payout.

    You say you didn't receive the letter, but it's far more likely that you failed to read it (thinking it was junk mail perhaps) and/or have simply forgotten about it.

    You'll now have to forget about making any further complaint I'm afraid. .
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