PPI Reclaiming Discussion Part 5

tracylouiseg

I just want share my story of my claim with MBNA (had c/card since 2006), my FIRST claim......

Jan, 2012 - started looking into 'DIY' PPI claims

Jan 27, 2012 - sent letter requesting copy of my credit agreement (used letter template on MSE)

Feb 13, 2012 - received Agreement and T&C's ( I HAD ticked the box!!)

Feb 20, 2012 - sent FOS' PPI questionnaire (downloaded from MSE)

Mar 1, 2012 - received letter saying they're investing my claim

Mar 14, 2012 - received letter saying my claim is being UPHELD...interest an' all!

£2,273.42!! WHOO HOOOOOOOOOOOOOOOOOOO! :beer:

Best of all - I don't have to pay any of it to a PPI Claims Company!!! If I can do it...and I'm blonde, y'all can!!!

....MEGA thanks MSE and all who give the valuable advice on here!! :T

wazza128

amersall wrote: »

:o you are too kind :A

Ring them up and ask them to add this front loaded to the complaint, tell them someone mentioned this to you

They should find all the loans from the loan number of the first, the reference numbers should be fine.

not at all you are a star :A

I will phone them tomorrow and ask them to add frontloaded to the complaint.

Thank you again Amersall :beer: I will let you know the final outcome

di3004

I agree with you wazza128, amersall is a true Gem, and I have not been here so much lately to help as much because dealing with some personal issues and WOW, she has done so well, very proud of her.:beer:

Good luck on your reclaiming.;):)

amersall

di3004 wrote: »

I agree with you wazza128, amersall is a true Gem, and I have not been here so much lately to help as much because dealing with some personal issues and WOW, she has done so well, very proud of her.:beer:

Good luck on your reclaiming.;):)

Awww Di :o you are the best :A:A i am just Di by proxy :rotfl::rotfl:as you well know

wazza128

di3004 wrote: »

I agree with you wazza128, amersall is a true Gem, and I have not been here so much lately to help as much because dealing with some personal issues and WOW, she has done so well, very proud of her.:beer:

Good luck on your reclaiming.;):)

Thank you Di Definitely a true gem

sugarpuss27

tracylouiseg wrote: »

I just want share my story of my claim with MBNA (had c/card since 2006), my FIRST claim......

Jan, 2012 - started looking into 'DIY' PPI claims

Jan 27, 2012 - sent letter requesting copy of my credit agreement (used letter template on MSE)

Feb 13, 2012 - received Agreement and T&C's ( I HAD ticked the box!!)

Feb 20, 2012 - sent FOS' PPI questionnaire (downloaded from MSE)

Mar 1, 2012 - received letter saying they're investing my claim

Mar 14, 2012 - received letter saying my claim is being UPHELD...interest an' all!

£2,273.42!! WHOO HOOOOOOOOOOOOOOOOOOO! :beer:

Best of all - I don't have to pay any of it to a PPI Claims Company!!! If I can do it...and I'm blonde, y'all can!!!

....MEGA thanks MSE and all who give the valuable advice on here!! :T

Hi hope you wont mind me asking but my OH has just had a claim declined by MBNA he had also ticked the box. Was yours an online application?
Thanks

di3004

amersall wrote: »

Awww Di :o you are the best :A:A i am just Di by proxy :rotfl::rotfl:as you well know

Di by proxy lol:rotfl::rotfl::rotfl: you and you and a super GEM:A:A:A:j:j:beer: absolutely fab!:T:T:T Xxxx

di3004

wazza128 wrote: »

Thank you Di Definitely a true gem

Your welcome honey and too right she is.:A:T:T:A Xx

tracylouiseg

sugarpuss27 wrote: »

Hi hope you wont mind me asking but my OH has just had a claim declined by MBNA he had also ticked the box. Was yours an online application?
Thanks

Hi!!

Yeah mine was an online appilcation (I remember I got to choose what 'style' of card I'd prefer!) The box was 'hand written' ticked - not sure if I ticked it or it was ticked for me...hard to prove but under it, it stated that I was agreeing to the T&C's set out as in ''paragraph 1.16'' of the agreement!!! I searched high and low through the T&C's AND the credit agreement and there was NO parargraph ''1.16''!! Mine was from 2006 so not sure if that applies to you.

Also look in your T&C's/credit agreement - in paragraph 12b of the credit agreement it states "If you ask us to arrange insurance on your behalf we will treat this as your auhority to ADVISE ON and manage any insurance policy for you" So even if you did tick the box it is the business' responsibility to ADVISE ON their insurance policies, to uphold their own T&C's - if they did not do this the business has not done it's job properly as set out in it's own credit agreement and therefore the policy is not fit for purpose!!

Hope that helps!!!! Good luck!!!

sugarpuss27

tracylouiseg wrote: »

Hi!!

Yeah mine was an online appilcation (I remember I got to choose what 'style' of card I'd prefer!) The box was 'hand written' ticked - not sure if I ticked it or it was ticked for me...hard to prove but under it, it stated that I was agreeing to the T&C's set out as in ''paragraph 1.16'' of the agreement!!! I searched high and low through the T&C's AND the credit agreement and there was NO parargraph ''1.16''!! Mine was from 2006 so not sure if that applies to you.

Also look in your T&C's/credit agreement - in paragraph 12b of the credit agreement it states "If you ask us to arrange insurance on your behalf we will treat this as your auhority to ADVISE ON and manage any insurance policy for you" So even if you did tick the box it is the business' responsibility to ADVISE ON their insurance policies, to uphold their own T&C's - if they did not do this the business has not done it's job properly as set out in it's own credit agreement and therefore the policy is not fit for purpose!!

Hope that helps!!!! Good luck!!!

Thanks so much for that. Cannot find the T&C how can I obtain these from MBNA? Do you think it may be worth putting it to FOS?