MBNA Time limit

edited 30 November -1 at 1:00AM in Reclaim PPI & Other Insurance
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tafyappletafyapple Forumite
1 Post
edited 30 November -1 at 1:00AM in Reclaim PPI & Other Insurance
Very strangely I am informed by MBNA again that my PPI request is denied as outside their time frame.

Like many others on here I did not receive the letter they alleged they sent April 2013. However what is interesting, is on my first application they turned the claim down and attached a copy of the letter and they reiterated verbatim within the letter than failure to apply within the 3 year time frame MAY possibly mean it would be turned down. So, even if I had received the letter their poor use of the English language surely could not be upheld. MAY and POSSIBLY are not words for you cannot claim after 3 years.

Secondly I have seen other posts on here whereby they would have expected a sizeable claim, as I believed mine to me.

Within the last two months I received two phone calls from MBNA going over my claim application again, /what benefits did I have in place etc etc..... .So to have the final decision letter based again on the 3 year rule is very suspicious.

on the other hand they have confirmed a cheque will be raised regarding Plevin.

Where to go from here. I will refer to the ombudsmen as a professional organisation I feel has misled customers with the use of MAY and POSSIBLY.

But in your opinion, would I be better placed putting it in the hands of a PPI claims team that have experience on taking on MBNA (I have learned they have a bad reputation and within the Ombudsmen too, albeit others have then on the OMBUDSMEN because of MBNA (possibly conspiracy theorists out there :-0) Thank you for any advice.

Replies

  • [Deleted User][Deleted User] Forumite
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    tafyapple wrote: »
    I will refer to the ombudsmen as a professional organisation I feel has misled customers with the use of MAY and POSSIBLY..
    How were they mis-leading? They were simply leaving themselves with the option of imposing a time-bar, an option which they have taken.
    tafyapple wrote: »
    would I be better placed putting it in the hands of a PPI claims team that have experience on taking on MBNA
    You've already complained and been rejected so you can't now employ a "PPI Claims Team". A claim company simply represents you in PPI complaints, they have no power to overturn a complaint decision.

    If you do refer your complaint to the Ombudsman, realise that they also have no power to overturn a properly applied time-bar.
    You certainly won't win any argument about the terms used in their letter, the Banks employ legal teams to write these letters and they are legally watertight.
  • dunstonhdunstonh Forumite
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    But in your opinion, would I be better placed putting it in the hands of a PPI claims team that have experience on taking on MBNA

    There is no such thing. All CMCs do is send a complaint to the firm in question. They send it to the same address and the same staff at MBNA deal with it and give the same response as before.
    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.
  • -taff-taff Forumite
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    If you can show you didn't receive the letter, for example you moved house in the timeframe in question the FOS would probably overturn the timbar.

    If not, then Plevin is your only hope,

    As above, a CMC wouldn't complain again once you've told them a timebar had been applied because it would just get the same response as you've had.
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