MBNA offer but a little confused

plumfin

Hi all, I emailed MBNA last night and received this response -

Please be advised that following a review of this complaint I have identified that MBNA acquired this account from Abbey and that the sale of PPI was made by them prior to MBNA becoming the service provider.
When the account was transferred to MBNA new PPI policy terms and conditions were issued to you and you were given the opportunity to cancel the policy should the new terms and conditions not meet your requirements.

However, as a gesture of goodwill, we will agree to refund the premiums and associated interest that have been charged by MBNA since the date of transfer to be made in line with FOS guidelines upon receipt of the signed settlement. Again, the FOS should contact you regarding this offer.

Can anyone advise what I should do from before when it was an Abbey card? I don't even know where to start with the account number etc.

Thanks in advance

jackaboy19

Hi Plumfin, well done on your success so far. Unfortunately I don't know the answer to your dilemma - hopefully someone on here will be able to help because I will be in exactly the same situation. I'll keep watching and hope you get a good answer!!!

plumfin

I do have to say that my email last night did prompt a reply and ongoing dialogue with a man called Chris at the MBNA, who seems keen to help me sort it out. Apparently, MBNA took over Abbey cards in 2003.

I did ask the FOS where I stood, but they are unable to advise until they get the details through which is a bit of a pain!!

amersall

plumfin wrote: »

Hi all, I emailed MBNA last night and received this response -

Please be advised that following a review of this complaint I have identified that MBNA acquired this account from Abbey and that the sale of PPI was made by them prior to MBNA becoming the service provider.
When the account was transferred to MBNA new PPI policy terms and conditions were issued to you and you were given the opportunity to cancel the policy should the new terms and conditions not meet your requirements.

However, as a gesture of goodwill, we will agree to refund the premiums and associated interest that have been charged by MBNA since the date of transfer to be made in line with FOS guidelines upon receipt of the signed settlement. Again, the FOS should contact you regarding this offer.

Can anyone advise what I should do from before when it was an Abbey card? I don't even know where to start with the account number etc.

Thanks in advance

They are giving you full redress for the card mis sell.
You just need to accept, use the same card number to put a mis sell into Abbey and they should redress the same.

plumfin

Great thanks for that! I will find the Abbey address - would you put exactly the same questionnaire into them, or mention that MBNA have refunded?

amersall

plumfin wrote: »

I do have to say that my email last night did prompt a reply and ongoing dialogue with a man called Chris at the MBNA, who seems keen to help me sort it out. Apparently, MBNA took over Abbey cards in 2003.

I did ask the FOS where I stood, but they are unable to advise until they get the details through which is a bit of a pain!!

You dont need to send this to FOS.
Accept MBNA and when you put the complaint into Abbey,let them know that MBNA have given you redress for the card from when they took over,and you expect Abbey to do the same from the time you had the card with them to the time it was passed over.

amersall

plumfin wrote: »

Great thanks for that! I will find the Abbey address - would you put exactly the same questionnaire into them, or mention that MBNA have refunded?

Replied above :D:D:D

http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&c=Page&canal=CABBEYCOM&cid=1210607166846&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateA2

Ring them, they may be quicker.

plumfin

Thanks Amersall, I called this morning, very quick, took all the details over the phone and said I would get some correspondence within a week, and then a decision within 2 weeks! I told them that MBNA have offered full redress (I have this in an email from them now).

On the MBNA subject, I emailed them as per Di's advice Sunday night, someone was in contact with me by 4pm Monday and even took the trouble to call me to sort out an issue with a wrong FOS claim number. I wasn't expecting MBNA to be helpful and the email does seem to have speeded it all up. Good advice and many thanks to all.

amersall

plumfin wrote: »

Thanks Amersall, I called this morning, very quick, took all the details over the phone and said I would get some correspondence within a week, and then a decision within 2 weeks! I told them that MBNA have offered full redress (I have this in an email from them now).

On the MBNA subject, I emailed them as per Di's advice Sunday night, someone was in contact with me by 4pm Monday and even took the trouble to call me to sort out an issue with a wrong FOS claim number. I wasn't expecting MBNA to be helpful and the email does seem to have speeded it all up. Good advice and many thanks to all.

You are very welcome and good luck.