To Claim or Not to Claim That is the Question

Wrath_of_Kain

I received a pack from MBNA some time back with a questionnaire.


I am not entirely sure how to fill it out and which point to base my case on as I think maybe more than one might apply.


I have had various credit cards over the years and I think I mainly got them online so I don't know if they had pre-ticked PPI. Is there a way to find out.


Also I had pre-existing medical conditions.


Should you pick one and stick with it or both .... surely one rules out the other


Its all confusing as its in the past and I cant remember all the specifics.


I think there was also a Barclay Card instance which was over the phone where I was encouraged to take out PPI.


Stupidly I still have PPI on accounts does this factor in. I will be cancelling them all especially considering the pre-condition thing.


Just so many question and hassles ... would it be easier just going to a reclaims company?

-taff

If you got them online, you bought the PPI, it wasn't sold to you, unless there was a pre-tiked box. Don't hold your hopes out for those complaints.

As for the complaints in general, a pre-exisiting illness would have to be severe enough to incapaciate you regularly.

Fill in the forms as best you can, if you don't remember, say you don't remember.

WHy do you think a claims ocmpany will help? All they will do is amek up a list of reasons, it won't be the truth, and has more chance of being refused because it's blatantly untrue.

[Deleted User]

Wrath_of_Kain wrote: »

Should you pick one and stick with it or both

You need valid complaint reasons which actually apply. You cannot, for instance, complain that there was a pre-ticked box on the online application unless there definitely was one.
With regard the "pre-existing conditions", these are only a valid complaint if they were so severe that they made it impossible for you to claim on the insurance at all.

Wrath_of_Kain wrote: »

would it be easier just going to a reclaims company?

You still have to fill in forms and state your complaint reasons. The BIG difference is that you'll have to pay around 25% (plus VAT) of any redress awarded to the CMC. Basically, all they do is forward your complaint to the Bank...

dunstonh

To Claim or Not to Claim That is the Question

Or to correct you, to complain or not complain.... As that is actually what you would be doing.

would it be easier just going to a reclaims company?

No. They just effectively fill the form in by asking you the same questions and pop that in an envelope (the bad ones use a template letter of the sort you used to see on this site). easy money for them.

Wrath_of_Kain

If they are contacting people specifically raising that they "may" have mis-sold you the PPI then clearly they suspect they have. I have spoke to a few on this and they are of the opinion if you received the literature then the bank clearly sees you as being affected.


The issue is then in what way do they think that they had mis-sold it to you.


So how do you determine which is the most likely?

societys_child

Wrath_of_Kain wrote: »

If they are contacting people specifically raising that they "may" have mis-sold you the PPI then clearly they suspect they have.

No, the main reason is to set the time-bar clock ticking.

I have spoke to a few on this and they are of the opinion if you received the literature then the bank clearly sees you as being affected.

They are inviting you to complain if you believe it was in some way mis-sold and will consider any valid reasons you may have.

The issue is then in what way do they think that they had mis-sold it to you.

They would want to know why you think it was mis-sold as you would be the one making the allegation.

dunstonh

If they are contacting people specifically raising that they "may" have mis-sold you the PPI then clearly they suspect they have

That is not the case. The CCL format was agreed between the forms and regulator to allow the time bar clock to be activated. The only criteria for one to be sent out is if you had PPI.

I have spoke to a few on this and they are of the opinion if you received the literature then the bank clearly sees you as being affected.

It helps to speak to people who know the subject matter though.

Wrath_of_Kain

So what is the time-bar then I cant remember it saying anything regards this ?

dunstonh

Wrath_of_Kain wrote: »

So what is the time-bar then I cant remember it saying anything regards this ?

You get three years from first being reasonably aware of an issue to make your complaint or 6 years from the event (typically purchase). Whichever gives the longer period. The CCL is classed as being suitable proof to activate the timebar clock.

Wrath_of_Kain

Regards the pre-conditions. I am a wee bit confused as it sounds like that you think no chance?


If for example somebody had cancer or a heart problem but took out the PPI and you hadn't been asked or been clearly advised of pre-conditions not being covered is surely a clear reason for mis-selling PPI ?