PPI Reclaiming successes and failures

Egg_Chaser_12

Right just recieved my letter back from MBNA, they say that ticked the box for PPI back in 1997.

Does this mean that I won't get it back?
Has anyone gone to the FOS having ticked the box and won the money back?

Feeling very dis-heartened and unsure what to do next
Any help guidance would be much appreciated

sunny8_2

bodoni wrote: »

Morning Sunny 8

Email for MBNA CEO is: ian.odoherty@bankofamerica.com

It certainly worked for me

Thank you v much...hope it does the trick, so glad a gentle push proved right for you:j xx

bodoni

Thank you v much...hope it does the trick, so glad a gentle push proved right for you:j xx

You are welcome. Hope it all comes good for you.

bodoni

Right just recieved my letter back from MBNA, they say that ticked the box for PPI back in 1997.

Does this mean that I won't get it back?
Has anyone gone to the FOS having ticked the box and won the money back?

Feeling very dis-heartened and unsure what to do next
Any help guidance would be much appreciated

Chin-up Egg Chaser 12! The fight is far from over.

I have definately read posts where a similar thing has happened and there has been a successful outcome.

Some of the senior (knowledge not age!) posters (Di, amersall, the marksman, et al) will probably have some advice for you.

You might have lost a battle, you've not lost the war!

patricia50

hard_slog wrote: »

I also have the same dream to win the lotto or euro - take the cheque of several million into Lloyds TSB (i still have account with them tho nothing in it) bank it wait till it clears then ask their advice on what to do with all that money. I'd sit and listen to them falling over themselves with suggestions - then I'd say Here's my Natwest account number - TRANSFER THE LOT

We are soooooo on the same wavelength. I too have an account with Lloyds with nothing in, and the pleasure of telling them I had won millions and I was not going to let them get their hands on it would be pure pleasure hahaha:rotfl:

Egg_Chaser_12

bodoni wrote: »

Chin-up Egg Chaser 12! The fight is far from over.

I have definately read posts where a similar thing has happened and there has been a successful outcome.

Some of the senior (knowledge not age!) posters (Di, amersall, the marksman, et al) will probably have some advice for you.

You might have lost a battle, you've not lost the war!

I see most people are making claims because they were self employed, unemployed etc.

I am / was employed, and as I said my letter to them stated I didn't have a clear option of the card with or without the PPI. of which they say I ticked and signed to have it.

bodoni

I see most people are making claims because they were self employed, unemployed etc.

I am / was employed, and as I said my letter to them stated I didn't have a clear option of the card with or without the PPI. of which they say I ticked and signed to have it.

Do you recall ticking the box?

If not, respond by telling them that you do not accept their decision and you will escalate the matter to the FSA and/or the FO is they don't reconsider their decision within 14 days.

If you don't get a response within the 14 days email the CEO (see email address on previous post) saying you are unhappy with the way you have been treated and have not had a response to your last letter.

If that does not get the desired result then off to the FSA/FO.

Please note: I am not the longest serving poster and as I have said some of the senior posters might have a different approach - the above would be my approach.

Now go get em!

mrs_boop

well i am feeling really empowered today, after days searching for credit agreements my letters asking for terms and conditions are ready

they include
bank of scotland x2
mbna x2
hfc x4
hsbc x5
barclays x1

i know it will be a while and i have that great big long form to fill in yet off the fos but i will cross that bridge when i come to it.

thanks for everbodies help and congrats to everyone who has won:beer:

Egg_Chaser_12

bodoni wrote: »

Do you recall ticking the box?

If not, respond by telling them that you do not accept their decision and you will escalate the matter to the FSA and/or the FO is they don't reconsider their decision within 14 days.

If you don't get a response within the 14 days email the CEO (see email address on previous post) saying you are unhappy with the way you have been treated and have not had a response to your last letter.

If that does not get the desired result then off to the FSA/FO.

Please note: I am not the longest serving poster and as I have said some of the senior posters might have a different approach - the above would be my approach.

Now go get em!

they have closed the letter out by saying that they will not enter into any further correspondance regarding this matter unless instructed to do so by the FOS.

I did send an email to the CEO and he never replied.

I have had numerous calls with MBNA over the hsitory of having the card, sometimes because I hadn't made a payment or was late, but some how managed to get there payments at some point. but during the phone I was never offered any assistance from the PPI that should help with any of life eventualities.

is this something to mention?

bodoni

they have closed the letter out by saying that they will not enter into any further correspondance regarding this matter unless instructed to do so by the FOS.

I did send an email to the CEO and he never replied.

I have had numerous calls with MBNA over the hsitory of having the card, sometimes because I hadn't made a payment or was late, but some how managed to get there payments at some point. but during the phone I was never offered any assistance from the PPI that should help with any of life eventualities.

is this something to mention?

You seem to be further on with your claim than I thought.

I would still send the letter rejecting their decision, for the record it shows you've exhausted all the options before going to the FSO. When/if you go to the FSO make them aware that you had the conversations you mention with MBNA and the fact that you contacted them again. IMO, I suspect MBNA would deny that any conversation took place (cynical me!) so its up to you if you raise that point with them.

Do you recall ticking the box? (as per my previous post)

Again - see what some of the senior posters advise - they might have a different angle.