MBNA PPI question

Spurs501

Hi,

I have two separate PPI complaint cases out with MBNA Credit Cards.

I had two letters yesterday, one saying saying one of my claims had been upheld and they are paying me £500.00+

The other letter stated they required ‘further information’ on the other claim, so I called the telephone number and they asked what my salary was back in 2009, and what sickness scheme my company had in place.

Just thought it strange as BOTH of complaints I had with them they were given the same information. I wonder why one was upheld (successful claim) and the other requires ‘further information’ (which in reality they already had!)

Any ideas?

Thanks,

dunstonh

Just thought it strange as BOTH of complaints I had with them they were given the same information.

Sold by the same staff member or distribution method at the same time?

Spurs501

dunstonh wrote: »

Sold by the same staff member or distribution method at the same time?

No, about two years apart, but both sold in the same way (over the telephone)

I gave all the same information on my questionnaire so assumed the decision would be the same for both complaints.

[Deleted User]

Spurs501 wrote: »

assumed the decision would be the same for both complaints.

Never assume.

dunstonh

No, about two years apart, but both sold in the same way (over the telephone)

So likely to be different staff members. Probably has different audit trails and could also be different versions of the PPI product.

It could also be that they didnt investigate the first one and treated it as an auto-payout as the amount was so low. Whereas the second one is above their floor limit and they are investigating that one.

Spurs501

Moneyineptitude wrote: »

Never assume.

Cheers.

I’m sure you’ve told me that before!

[Deleted User]

Spurs501 wrote: »

Cheers.

I’m sure you’ve told me that before!

On your (several) other threads :P

Spurs501

I have a good news update;

Letter received yesterday from MBNA regarding my second PPI complaint. They have upheld my complaint, and are refunding over £2,000