PPI Help/Question

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Hello all,

I had a credit card with MBNA for some time. It looks like I will be getting back an amount (not yet disclosed) of PPI, mainly on the basis I have a pre-existing illness that stops me from being covered on most forms of insurance - even when I have gone to take life/sickness/critical illness cover I have had to pay more in premiums than my Wife to receive LESS cover.

Anyway...

Had a card with MBNA, looks like I'll be getting some PPI back.

My question relates though to the fact that I had to pay back extra on the card for going over the limit. I went over the limit when MBNA lowered the limit to less than what I owed due to missing payments. Is it reasonable to argue that had I not had been charged PPI then I would have owed less / had more money to pay back the debt and therefore not had to pay as much back?

Is there any kind of case or precedent for this?

Thank for any help in advance.

SLH
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