MBNA PPI Runaround?

jmgrice

Started my claim with the PPI from MBNA. Didn't even know I was paying it until they sent me a form telling me I was affected.
Anyway. Got a message to call them up last week. So I did. They asked me about details of employer when I took the card out etc. I answered best I could. The info was pretty accurate. I worked for a family business. which I left 7 years ago. So when asked about proof of sick pay etc all I could say was I don't have any. The business went into Admin about 2 years after I left. So I'm not sure what proof I could have provided (Dads company but nothing left of it). Guy on the phone just said (That's OK, But we won't take your sick pay into consideration now that you can't prove it in the next 7 days).


So I'm getting the vibe I haven't got a leg to stand on?
Best thing is. Im pretty certain I didn't even ask for it, I never do take PPI out as I always have the argument when they try to ram it down your neck. Only when the letter came did I recall a few years ago I think I rang up to cancel it when I found out I was paying it. I remember being on the phone to a woman and her trying to talk me out of cancelling. Asides from not needing it in the first place (Living with parents and having help available). I'm not sure where to go from here. They've sent me a letter saying they will get back to me within 4 weeks.



Brighter note. My Fiance got a cheque from Lloyds within 3 weeks for 1500 which is a nice surprise (Still living with parents and saving for a mortgage so it all helps!)



Edit. Will they consider that ive said I didn't request it to be taken out? That was put in my claim form however I mainly used the sick pay as my reason as I thought it would be a better chance. But I definitely said I didn't request it. (Mentioned how I cancelled it as soon as I found out see above about pushy woman on phone).

Jay

-taff

You're going to have trouble saying you didn't know about it because it's there on every statement with an outstanding balance.

[Deleted User]

jmgrice wrote: »

. Will they consider that ive said I didn't request it to be taken out? That was put in my claim form however I mainly used the sick pay as my reason as I thought it would be a better chance. But I definitely said I didn't request it. (Mentioned how I cancelled it as soon as I found out see above about pushy woman on phone).

Doesn't sound promising, I'm afraid.

You've paid it for years and it's been on every monthly statement where your account had a balance. Saying you didn't ask for it will not be borne out by any of the records in the possession of the Bank.

Your complaint is basically that you've forgotten you purchased the insurance and you don't bother to check statements. This is an easy rejection for the Bank.

The Bank will have to find other faults with the sale of your PPI during the course of their investigation for you to stand any chance at all.

jmgrice

I dont have paper statements. I actually cancelled it 4 years ago when I realised I was paying it. So havent always been paying it. Didnt even recall it untill mbna sent me the form.

Quick question. I wasnt asked if I wanted to take it out. So know 100 percent that the t and cs werent told. Or id have know about the sick pay issue. Which I know I cant prove. Well im not sure how I could. BUT. Another thing I wasnt made aware of. Shortly after I had the card I went Self employed not for very long but was registered and had my cscs. Does this make a difference? I didnt put it into my claim. Didnt even know that no t and c explination was grounds for mis sold. .? Or is that even true?

J

[Deleted User]

jmgrice wrote: »

I wasnt asked if I wanted to take it out. So know 100 percent that the t and cs werent told. Or id have know about the sick pay issue. Which I know I cant prove.

Your complaint is basically that you've forgotten you purchased the insurance and you don't bother to check any statements available to you. Lack of paper statements is irrelevant, you can (and should) still check them online. This is an easy rejection for the Bank. It doesn't matter that you cancelled it four years ago, you still paid it for considerable time.

jmgrice wrote: »

Another thing I wasnt made aware of. Shortly after I had the card I went Self employed not for very long but was registered and had my cscs. Does this make a difference?

Not at all.
Any mis-selling complaint must focus on your circumstances at the time of the sale. If you went self-employed after taking the insurance, it was then your own responsibility to make sure the policy continued to cover you.

jmgrice

Moneyineptitude wrote: »

Your complaint is basically that you've forgotten you purchased the insurance and you don't bother to check any statements available to you. Lack of paper statements is irrelevant, you can (and should) still check them online. This is an easy rejection for the Bank. It doesn't matter that you cancelled it four years ago, you still paid it for considerable time.

Not at all.
Any mis-selling complaint must focus on your circumstances at the time of the sale. If you went self-employed after taking the insurance, it was then your own responsibility to make sure the policy continued to cover you.

I see this. But my point was that I was never told about the details at the time (Due to it being added without my knowledge). It DOES seem daft ill admit. But Ive definitely seen some people use the fact that all the conditions weren't explained to successfully get PPI.


Out of interest. what proof would have been required to prove I would have received sick pay at the time?


J


Edit: Thanks for taking the time to respond. People telling me how easy it was and I don't need proof if it was mis sold. I knew it couldn't be that simple

[Deleted User]

jmgrice wrote: »

it being added without my knowledge

If was truly added without your knowledge and permission then this would indeed be wrong.

However, it's a myth sponsored by claims companies that PPI was randomly added in this manner.

The documentation and records in the possession of the Bank will not support your accusations. As you have no evidence yourself, you are reliant on the Bank finding other errors with the sale of your PPI.

Being unable to supply evidence that you had sufficient sickness cover elsewhere weakens your case still further.

No point trying to add reasons to a complaint that is already being considered. Wait for the Bank to respond and, if you are not happy with their response, you can refer it to the Ombudsman.

jmgrice wrote: »

People telling me how easy it was and I don't need proof if it was mis sold. I knew it couldn't be that simple

Genuine mis-selling complaints are just as "simple" as you've been told. Unfortunately, you have just made a series of unsubstantiated allegations.

You may yet have your complaint upheld, just not for the reasons you gave...

jmgrice

Moneyineptitude wrote: »

If was truly added without your knowledge and permission then this would indeed be wrong.

However, it's a myth sponsored by claims companies that PPI was randomly added in this manner.

The documentation and records in the possession of the Bank will not support your accusations. As you have no evidence yourself, you are reliant on the Bank finding other errors with the sale of your PPI.

Being unable to supply evidence that you had sufficient sickness cover elsewhere weakens your case still further.

No point trying to add reasons to a complaint that is already being considered. Wait for the Bank to respond and, if you are not happy with their response, you can refer it to the Ombudsman.

Genuine mis-selling complaints are just as "simple" as you've been told. Unfortunately, you have just made a series of unsubstantiated allegations.

You may yet have your complaint upheld, just not for the reasons you gave...

Thanks for this. It was definitely added without my knowledge. I just pushed the sick pay as I thought it was the best chance. Mentioned it being added without my knowledge but it was just one line on the document. ive no idea how to prove sick pay from a company that's no longer trading despite the owner being a family member. But I knew there had to be more to it without proof from me. I can't just point the finger without a backup. Im assuming they no longer have the phone call on record as it was 8 years ago. Worth a shot for nothing though eh?


Thanks again for you help

Let you know how I get on.


J