Who to claim against?

Gayle1983 · 19 April 2018 at 3:15PM

I successfully made a Plevin claim earlier this year against my card provider MBNA. I didn’t make a claim about the ppi itself as I’m satisfied it wasn’t missold and I’ve claimed on the policy a couple of times. Here’s my question, the card used to be a Virgin one up until 2013 when it transferred to MBNA. Should I be making a further claim to Virgin too as the original card provider? I’m a bit clueless when it comes to this!

Nasqueron · 19 April 2018 at 3:48PM

The new company that buys it assumes liability. You can't claim the sales commission back twice

[Deleted User] · 19 April 2018 at 4:26PM

Gayle1983 wrote: »

Here’s my question, the card used to be a Virgin one up until 2013 when it transferred to MBNA. Should I be making a further claim to Virgin too as the original card provider?

Since the commission was only paid once, you only get a Plevin refund once.

Gayle1983 · 19 April 2018 at 7:20PM

I wasn!!!8217;t sure whether the commission formed part of the ongoing payments I make for ppi or whether it was just a one off payment right at the start. Sounds like it!!!8217;s just been a one off payment then?

[Deleted User] · 19 April 2018 at 7:42PM

Gayle1983 wrote: »

Sounds like it's just been a one off payment then?

MBNA assumed liability for any mis-selling etc, so you have already had a refund of all the undisclosed commission over 50% you paid when the card was Virgin.

Who to claim against?

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