MBNA rejected PPI

blackhorse9989

Hi there,

Firstly, thanks to all the advisers on this website because of which i could apply for my claims.

Hope some one can help me with my MBNA claim.

Although my accounts are settled in 2010, I am pretty sure that i had PPI on both of my Cards (MBNA & Virgin). So, I have applied for PPI and SAR on my MBNA account in July 2013 and i have received SAR couple of days ago and PPI rejection letter today (which i assume is standard templete that is sent by MBNA to most).

What i can see on my Credit card agreement (which was sent in SAR ) is that there is no tick on '' payment protection cover'' but when i thoroughly went through all the paper work (call notes of MBNA e.t.c) i found a note written as '' PPC SOLD ECG VERB DISC'' & on the additional comments page as '' CRM: PPC STANDARD Solicited''

Now my question is
1. Is this PPC mentioned is same as payment protection cover ?

If it is.. then god knows what investigation the MBNA person has done and responded me with a rejection letter.

Can someone please advice me what my next step should be...
Write to MBNA again or Write to FOS ?

Thanks

-taff

I think it means they soldit to you over the phone after you applied for the card. They were fined for doing this between certain dates, have a google and see if the date smatch.

blackhorse9989

Thanks for your reply Taff,

As per you advice, i have googled to see if they were fined, but could not find any.
as per SAR the phone conversation on ''PPC STANDARD Solicited'' was on 05/12/2006. any idea ?

-taff

sorry, I was thinking of a different firm.

I don't know what it means but I'm guessing ti emans you asked for it. Ot it was sold when you activated the card.

Go to the ombudsman.
If you r complaint is upheld you'll get either full redress, or if they offer you a goodwill getsure, it will be the amount as if it were upheld.
There's no need to ask for statements.