MBNA - CC PPI Rejection

jsmity

Hi,
Please can someone give me some advice on where i go from here. The company i work for provide me with 12 months sickness benefit at full pay so i would not be eligible for PPI which is why i have sent claims to my credit companies (Lloyds TSB - Upheld £2200 refund). MBNA have rejected my claim as they say i ticked the option on the online application. As i know i have this benefit via my company i know that wouldnt have been the case (unless it was pre - ticked). So much so my PPI for my mortagage arrange through my FA has a 12 months non claim period (which reduced my premiums)

Below is the response from MBNA -

Our records show that Payment Protection Insurance was applied to your account at your request on 12 September 2006. Please note that as your application was made online, the signature you provided was an electronic one.
During the internet sales process you experienced, information about Payment Protection Insurance appeared on a separate screen to your credit card application. It would have been clear from this separate screen that the Payment Protection Insurance was a distinct product from the credit card. In addition, you were offered an option to tick the box to purchase Payment Protection Insurance. This option to tick the box would have made it clear to you that you could choose whether or not to purchase Payment Protection Insurance. Given that you ticked the box I am satisfied that you actively chose to purchase Payment Protection Insurance and understood that it was optional when you did so.

At the time the Payment Protection Insurance was added to your account, you were eligible for the cover (you stated on your application form that you were a UK resident, in permanent employment and aged between 18 and 70). When you opted for payment protection cover, we did not offer advice about the policy, we provided you with information only. In other words, yours was a non-advised sale. Having reviewed the information you have provided, our tisfied that you had ‘
processes and the disclosures which we made to you at the time, we are sa sufficient information to make your own evaluation of and decision about the product on offer.
On this basis, I regret to advise that I am unable to uphold your complaint or issue a refund of the premiums you paid.
I appreciate that this is likely to come as a disappointment to you. I know this is not the outcome you were hoping for. Nevertheless, I am hoping that my explanation has been helpful in setting out clearly why I have taken this view.
Furthermore, please be aware that the PPI is still active on the account. If you wish to cancel the policy please contact us on 0800 062 621, Monday - Friday, 9am - 5pm.
This is our final response to your complaint. If you remain dissatisfied you now have the right to refer your complaint to the Financial Ombudsman, which you must do within 6 months of the date of this letter. For more information about how to do this, please read the enclosed Financial Ombudsman’s leaflet. Their address is:
Financial Ombudsman Service
Customer Contact Division
South Quay Plaza
183 Marsh Wall
LONDON
E14 9SR
Yours sincerely,
/ A
Tristen Lynes

jsmity

Hi, Can anyone help

oscar52

AS its MBNAs final response, your only course of action now is FOS really.

jsmity

Any suggestions on what i should say ?

src007

Take the complaint to the FOS. MBNA are issuing a tactical rejection because the lose the majority of PPI complaints at the FOS.

I doubt you would have bought the insurance if you'd know how pointlessly low the payout would be if you ever used the policy.

Its very unlikly that the website clearly presented the full facts!

thekidfromarchway

Hi dude
I received, EXACTLY THE SAME REPLY BY THE SAME PERSON, btw. I am taking this to the Financial Ombudsman. Something to help you out is this -
//consumeractiongroup.co.uk/forum/showthread.php?310898-Mbna-say-i-ticked-PPI-box-during-online-application-it-was-already-ticked-i-bet!//

All the best and do keep me posted. I am a new user here so cannot post links but do put in the http and www before my link above.

Cheers
Jay
JSATJ

[Deleted User]

thekidfromarchway wrote: »

Hi dude
I received, EXACTLY THE SAME REPLY BY THE SAME PERSON,

It's a form rejection letter, nothing sinister or unusual. The uphold letters are standardised too.

thekidfromarchway wrote: »

I am taking this to the Financial Ombudsman. Something to help you out is this -
consumeractiongroup.co.uk/forum/showthread.php?310898-Mbna-say-i-ticked-PPI-box-during-online-application-it-was-already-ticked-i-bet!

Plenty of threads like that here on this site.

thekidfromarchway

Moneyineptitude wrote: »

It's a form rejection letter, nothing sinister or unusual. The uphold letters are standardised too.

Plenty of threads like that here on this site.

So what's your solution then Moneyineptitude? What would be the best way to approach this?

[Deleted User]

If you feel you have a strong case and honestly feel the Bank is wrong to reject your complaint, then send it to the Ombudsman with an explanation of why you feel the Bank has acted unfairly. Do be aware this route will likely take as long as a year...

src007

Moneyineptitude wrote: »

It's a form rejection letter, nothing sinister or unusual. The uphold letters are standardised too

Uphold letters can be standardised because the consumer doesn't lose out if they are. Rejection letters shouldn't all be the same because each person will have different financial circumstances that need addressing.

A rejection is sinister if the same bank has recieved 10,000 identical complaints which have been upheld by the FOS and still choses to reject incoming claims for compensation.

I agree that its nothing unusual.

padster666

Hi

I recieved the same letter in the post today word for word,however they sent me a copy of the form stating i clicked the box with my signature on it, now if you look at the form closely the signature is for a balance transfer not for PPI and the two PPI boxs are clearly unclicked,so i believe the option was automatically selected at the time. now i would not have needed this insurance as my company would pay me for being off on long term illness and i held a seperate insurance at the time that would pay me my wages if i got made redundant,so that would make their insurance invalid, as no one advised me of this online then this would count as a mis-selling of a policy.so i am drafting a letter back stating these things before i go to the insurance ombudsman as if you can deal direct with MBNA before involving a middle man its got to be easier, Be aware as with any insurance company there automatically told to reject claims first time as 90% of people accept that and drop the case, so it worth writing back again as if they think you going to pursue them they will likely make you an offer.i had 5 diffierent MBNA cards at one point and i know they lie as i wrote to them about this card and they answered, but a more recent card they claimed not to have the details any more as they destroy records after 7 years, this card they answered was 2001 but the other was 2005. a company doesnt keep some records and not others,they either keep them all or destroy them all at a set time