We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mbna ppi pre 2009.
Options
brum1968
Posts: 103 Forumite
Has anyone had any success claming ppi from MBNA pre 2009..
0
Comments
-
Yes, I had about £389 via a claim company - big mistake but it encouraged me to check whether I had PPI on anything else. Got another claim in for my wife and mum as we speak - these go back tp around 2000-2005 as well0
-
Did they not try to timebar you.0
-
just had conversation with mbna ,they are trying to say not missold and refer to a letter back in 2010 sent to us? Then tried to say it was out of time for Ombudsman - wrong - it is 6 years !0
-
Mbna have their own set of rules, and the omburdsman has a high percentage of referrals regarding Mbna, lets hope they see through what this company opt for, immediate rejection of most claims.0
-
I do believe, it's 3 years from when they made you aware. ie letter sent in 2010.Michael1954 wrote: »just had conversation with mbna ,they are trying to say not missold and refer to a letter back in 2010 sent to us? Then tried to say it was out of time for Ombudsman - wrong - it is 6 years !0 -
I have never had a letter sent to me.0
-
Then tried to say it was out of time for Ombudsman - wrong - it is 6 years !
There are two timebars. 3 years and 6 years.
It is 6 years from the purchase of the product or 3 years from being reasonably aware of an issue. Whichever is the longer.
If they sent a letter in 2010 with an invite to complain if you felt you were mis-sold then that would trigger the 3 year timebar. Not the 6 year timebar.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
How about with no letter?0
-
How about with no letter?
Timebars need something to activate them. A letter is one of the most common things to do that. There can be other things but its the letter that is most robust.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Im expecting to get timebarred even though I have had no communication since I paid off card in 2007, I have copies of statements and I have copy of application form where there was no mention of the terms and conditions for ppi just it was 78p in the £1. I had covef via works sickness plan 6 months full time and 6 months half pay, so plenty to pay the balance.
Mbna are so frustating, they just dont want to knnow, refusing to accept any blame or to undergo investigations just timebarring claims.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.6K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards