Mbna ppi

skyesaver

I have just been declined by MBNA for a PPI claim against an old credit card with them. They say they believe I would not have been able to make payments if I had needed the PPI.
However, i know my ex husband was successful with them for a credit card that he had with them at the same time. Should I write to them once more before I try ombudsman route?
new to this site so apologies if posting on wrong page

[Deleted User]

Each complaint will reflect the individual case, so your husband's case won't have any bearing on yours.

skyesaver

would our joint savings not have any reflection on our ability to repay ppi?

[Deleted User]

skyesaver wrote: »

would our joint savings not have any reflection on our ability to repay ppi?

It's not your ability to repay PPI, but ALL the money owed on the credit card that is the issue.

Your husband's success really has no relevance to your individual complaint.

Did your card carry a large unpaid balance each month?

skyesaver

not hugely, probably about £500 max, it never went over £1000.
I've re read the mbna letter and they also say
- " I am satisfied the policy was of benefit to you"
- "any sick pay you would have received would not have prevented you from making a claim"
- ""as it was a monthly policy, you could cancel it at any time"

So why are some companies paying out and MBNA not (on this occasion) as surely these comments apply to most claimants if this is their stance

skyesaver

thanks for replies.
can i just add, my husbands circumstances were actually almost identical to mine in many ways
ie (credit card use/salary/sick pay scheme/savings/company shares/length of time with employer)

but ignoring that fact (which I appreciate is really only relevant to me ) should i reply to MBNA or do i accept their decision for what it is

[Deleted User]

skyesaver wrote: »

not hugely, probably about £500 max, it never went over £1000.

Unfortunately, that would suggest you had need for the insurance.

Your husband's complaint is in no way relevant to your own, so I'd stop trying to compare your complaints. The Banks never reveal why they have upheld complaints and the reasons behind your husband's success may have nothing to do with what he actually complained about! Your husband may even have received an auto-payout where no investigation was performed. The point is you'll never know for sure.