Is it worth me even trying?

Knackered

I'm considering starting a claim against MBNA for the PPI I used to pay on my credit card with them. There are a couple of concerns though.

Firstly the card was opened about 10 years ago, and although I paid PPI on it right from the start I don't know exactly when it was. I have found a statement from 2003 with my account details and proof that I was indeed paying the PPI.

Secondly although they pretty much insisted that I had PPI on the card - and telling me it was pretty much mandatory whenever I tried to cancel it - the only dealings with them I had on the matter were on the phone. I've got nothing at all in writing regarding PPI.

The annoying thing regarding paperwork is that I had all my statements sent to me via a DPA request a couple of years ago when I reclaimed charges from them... these have since been shredded as I didn't think I'd ever need them again. Doh!

Am I wasting my time even thinking about starting a claim?

dunstonh

Secondly although they pretty much insisted that I had PPI on the card - and telling me it was pretty much mandatory whenever I tried to cancel it - the only dealings with them I had on the matter were on the phone. I've got nothing at all in writing regarding PPI.

That is an allegation that by itself and no other failing would almost certainly be rejected. You have no evidence to support that and they will have nothing to verify that. So, you would expect rejection.

Am I wasting my time even thinking about starting a claim?

Your reason is poor and with most providers I would say that. However, MBNA have a very high overturn rate at the FOS which suggests there is something inherently wrong with their PPI product that the FOS do not like. I mentioned above that without another failing you would be rejected. Well, whatever it is the FOS dont like about MBNA's product could be that other reason that turns it into success.

Knackered

Yeah, I thought it might be a long shot. I think I'll leave it. If I was them I wouldn't give me the money back with no evidence.

Dunree

Knackered wrote: »

Yeah, I thought it might be a long shot. I think I'll leave it. If I was them I wouldn't give me the money back with no evidence.

Don't give up.

Mine was around the same time as yours.

I put in the claim.

I got two refunds totally £4200.

Go for it

Dunree

I sent off previous account numbers, old addresses, anything I thought may be of use in tracing the account.

Within four weeks, I had confirmation of the PPI and two cheques.

I had no old statements, I just knew that I had PPI, and was given the same spiel as you re the sale of it.

It's your money, claim it back

Knackered

Didn't you have to "prove" that they mis-sold the PPI stuff though? Besides which, I don't even know when they (mis)sold it to me to begin with!

dunstonh

If the firm identifies a failure itself then there is no need for proof on anything. It is only where the firm finds no failures at its end that proof may be required.