MBNA PPI response?

coxi61

Hi,
With the August deadline looming I have eventually got round to contacting various Credit Card companies enquiring about any PPI associated with my old accounts.
MBNA sent the following response, and I wondered if it was worth pursuing further as it seems rather vague?

[I]"Thanks for contacting us. Our records show this account had PPI, but premiums were either never charged, or have been refunded already, so there's no action to take."[/I][/I]

As I was unaware of any PPI connected with this account I have never claimed any refund previously, or have I any way of checking whether premiums were taken or not? This account goes back to 2002.
Not sure whether I should make further enquiries or just accept their findings?
Any advice appreciated.

The_squirrell

Did you clear your balance in full each month? If so, so will not have paid any PPI which may explain it

coxi61

No, unfortunately in those days I usually paid minimum payment, and sometimes incurred late payment fees as well. MBNA certainly had their pound of flesh from me during this time.

I only use one CC now which gets paid off every month regardless.

Jetters

Hello Coxi61
YES pursue it! do you have evidence that you paid PPI?
If so contact them again, although MBNA have admitted you did have it. I have been chasing MBNA for a couple of years about my PPI and have been informed a couple of times by MBNA my complaint has been rejected. I was persistent and today I received my cheque for £5089.
Hope this helps:)

coxi61

Hi Jetters, thanks for your response, which gives me some encouragement to take this further. Unfortunately I'm not sure what my next move should be? I have no proof that they collected any premiums, I suppose all I can do is say I have never been paid any refund and that I was not aware any PPI had been applied to my account. Unless you have any other suggestions how I should proceed further with MBNA? Thanks

Jetters

Our records show this account had PPI, but premiums were either never charged, or have been refunded already, so there's no action to take."[/I][/I]
[/B]
As I said in my post earlier I pursued it because I had the evidence that it was charged!
Only you can decide if you want to accept their comments above:)

[Deleted User]

coxi61 wrote: »

I have no proof that they collected any premiums

Well, the Bank are saying their records show that they didn't or that you've already received a refund.

So without any evidence from you which contradicts this, it's difficult to see you progressing any further...

Jetters

A lot of companies out there are coming back with "can't locate an account or please supply further information" if you can't do this it will be difficult to progress the complaint. However, if you do have some form of evidence at least they will look into the complaint. Check for more info!

[Deleted User]

Jetters wrote: »

I have been chasing MBNA for a couple of years about my PPI and have been informed a couple of times by MBNA my complaint has been rejected. I was persistent and today I received my cheque for £5089.

You received a Plevin refund of undisclosed commission though, your actual PPI complaint was rejected.

Jetters

Yes it is "Plevin":):j