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Ppi mbna
Obviously more than 3 years have passed, but I never received the letter as they sent it to an address that I moved out of in February 2012. I have told them I was the compliant reconsidered but they are not being very forthcoming and are now asking for proof of the address I was at in 2013. All I have from then is a bank statement with my address on which I have sent them.
Has anyone else been in this situation and have they had the decision reversed without having to go to the Ombudsman?
Thanks for any help and advice!
Comments
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If your address was different you can go to the FOS and ask them to overrule the timebar - just provide proof of the change e.g. the record from the council showing your change / length of time from credit agency or similar bills from the period.
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I have 2 PPI complaints in with MBNA and they have sent me a letter saying the reject my complaints based on the fact they wrote to me in June 2013 to bring them to my attention and apparently the letter said I had to get back to the and make a claim within 3 years.
MBNA are one of the known companies that did issue CCLs. So, that response is not unexpected.Has anyone else been in this situation and have they had the decision reversed without having to go to the Ombudsman?
The FOS is inconsistent on this. There are decisions that have ruled both ways. However, in most cases, if the account was closed before you moved address, then you would expect the FOS to open the timebar.
However, do not that MBNA are not saying they will not allow it. They are just asking for evidence of change of address. Give them the evidence and they will probably allow it.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 -
Do you have evidence that you informed MBNA of your new address?
It shouldn't matter, if account was closed and OP moved before the letter was sent then they should accept the CCL was never received, as dunstonh has said, provide proof to MNBA that she moved and they may well accept itSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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