MBNA PPI Claim - Account Numbers

rkm123

Hi

After years of putting off claiming back PPI on my numerous credit cards because it brought back old feelings of debt worry, I decided to have a go. I have been told this morning by MBNA that I did have PPI but as they hold absolutely no details on me apart from my name and address they cannot help me.

The lady on the phone told me that they clear the information after six years and the onus is on me to provide the account number and how much I paid. I don't have the old paperwork as I was so relieved to pay off my debts I just shredded it all.

Is there anything I can do as I don't have any paperwork at all

Thanks in advance

dunstonh

Data protection requires the destruction of unnecessary documentation. However, it tends to go through a process of selection and stages. Some data will be wiped after 6 years. Some will be placed on microfiche or other archiving systems and remain there for a period before being culled. Often never actually being culled. However, those systems tend to sort by account number rather than name. Hence why really old stuff tends to need account number.

You can spend £10 and do a data subject access request with MBNA. This may result in additional info coming out which the telephone staff do not have access to. However, it may result in nothing new and it ends up being a waste of £10. That is the gamble.

robbedofmymoney

if you still use your same bank account that you made the payments to your credit card with you could get a Data subject access request for this account and at least you can demonstrate what you actually paid them, when I got mine the statements they supplied me went back to Jan 1999 so a lot of information.


if minimum payments have been made and you could show this then MBNA would potentially be able to estimate what the balance would have been, (minimum payments are usually a small fixed percentage of the outstanding balance) its a lot of work if the bank statements help you, but would be worth it in the long run if your complaint is upheld

rkm123

Thank you for taking the time to reply. I am going to go down the bank route x

safestored4

Go down this route by all means. But be aware that without any specific documentary evidence showing the payment of PPI MBNA may well reject your complaint on the grounds that for all they know you paid off your credit card in full each month in which case no PPI would have been paid. A data subject access request as dunstonh suggests could resolve this issue.