Question about MBNA and Monument

di3004

ITLondon wrote: »

Hi,

Just had the first letter from MBNA following my claim -

Apologies for the delay in responding to you; however, our investigations are taking longer than anticipated. We will issue a response by xx.xx.xx

Assume this a standard issue letter from them?

Hi, glad to hear you have received some feedback, I have never dealt with MBNA, so could not confirm if this is standard of not, hope you hear soon though with a good result, fingers crossed.;)

trish123

Jolester, wonder if u can help here.Ihave just received a letter from mbna saying they will consider a refund of premiums if i can provide information that proves i was self employed well not me but hubby at the time of the policy been activated.Was this similar to your response.Need to wait now till my hubby can phone the tax office and see what he can get back from them.We are annoyed as they also sent the oringinal applications where he has ticked the self employed box.

di3004

trish123 wrote: »

Jolester, wonder if u can help here.Ihave just received a letter from mbna saying they will consider a refund of premiums if i can provide information that proves i was self employed well not me but hubby at the time of the policy been activated.Was this similar to your response.Need to wait now till my hubby can phone the tax office and see what he can get back from them.We are annoyed as they also sent the oringinal applications where he has ticked the self employed box.

Hi Trish, hopefully the HMRC tax office will provide the required info, this should then be sorted, good luck.;)

ITLondon_2

Hi,

Reply from MBNA:

They said no!


Reply in summary:

Our record show that the PPC was applied to your account 1 June 2001. I have enclosed a copy for your reference which clearly shows that you selected the option.

(They’ve attached a print of the form I ticked when the account was opened 2001)

Letter goes on

The terms and conditions were issued in the form of a benefits booklet, along with the initial issue of your credit card. These gave you 30 days in which to read and cancel without any financial obligations.

(They didn’t send another copy of this booklet).

Letter goes on

Since the policy was applied, an updated versions of the PPC terms and conditions were issued in May 2003 and November 2004. These also provided you with further opportunity to contact us to discuss the details of the policy.

You outlined in your letter that the specialist did not enquire about any existing insurance you in had in place or existing benefits from your workplace. I can confirm the PPC does not discriminate against any other insurance policies or benefits received from work. The PPC pay along any other claim.

Then basically they inform me that this is this final response and to contact the FOS.

(

---

)

Is worth going to FOS, any advice on the next steps?

Thanks all for taking the time out to read this and for your help

di3004

ITLondon wrote: »

Hi,

Reply from MBNA:

They said no!


Reply in summary:

Our record show that the PPC was applied to your account 1 June 2001. I have enclosed a copy for your reference which clearly shows that you selected the option.

(They’ve attached a print of the form I ticked when the account was opened 2001)

Letter goes on

The terms and conditions were issued in the form of a benefits booklet, along with the initial issue of your credit card. These gave you 30 days in which to read and cancel without any financial obligations.

(They didn’t send another copy of this booklet).

Letter goes on

Since the policy was applied, an updated versions of the PPC terms and conditions were issued in May 2003 and November 2004. These also provided you with further opportunity to contact us to discuss the details of the policy.

You outlined in your letter that the specialist did not enquire about any existing insurance you in had in place or existing benefits from your workplace. I can confirm the PPC does not discriminate against any other insurance policies or benefits received from work. The PPC pay along any other claim.

Then basically they inform me that this is this final response and to contact the FOS.

(

---

)

Is worth going to FOS, any advice on the next steps?

Thanks all for taking the time out to read this and for your help

Hi there

So sorry to hear this.

And yes I would keep going with it, do not leave it there.

It could have been that you were told to sign it.

Was it a tick you can remember adding yourself, or was it done by the bank?
Was it bank processed ticked?

If this was the final response and they mentioned the FOS, then complain to the FOS:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

If not the final decision, then write back with any further information that you may have, until you receive the final response.

Keep at them, good luck.;)

ITLondon_2

Thanks for the quick response.

Yes it was a tick box on the form.

This is this final response,

quote "I must inform you that this is our final response on the matter".

Any tips about what to say the FOS?

Thank you!!

ITLondon_2

The text in the original and only form I ticked says

"We strongly recommend that you take out this cover"

di3004

Hi, yes I missed that part sorry about the FOS at first.

Right, I would stick to your guns for the reasons you already had.

And if you were pressurised into taking the policy out, you need to write that in the complaints form as well.

Some use to think it was all part of being accepted for finance, so again if this was the case for you, you should also write that as well.

It also seems that the policy was not even explained to you, or that you were given an option, going by the above findings on your reasons you gave.
So in this case as it was not explained to you, you need to write this and and tell them you were not given the opportunity to say yes or no - so therefore assumed it was all part of the policy.;)
Good luck.

ITLondon_2

Thanks all for your help.

I will keep you posted on any updates

di3004

ITLondon wrote: »

Thanks all for your help.

I will keep you posted on any updates

Your very welcome, keep at them, fingers crossed.;)