MBNA payment protection

restive · 19-12-2013 7:38pm #1

I have received a letter from MBNA in the UK saying that they are carrying out a review of Payment Protection Insurance to assess if they were in compliance with Consumer Protection Code 2006 issued by the Central Bank which came into effect on 1 July 2007.

Has anyone else got one of these letters? What sort of outcome should I expect from the review.

DundalkDuffman · 19-12-2013 8:12pm

Yep about 2 years ago. They credited whatever they had calculated as being accurate into my account about a month after getting the letter.

19-12-2013 8:13pm

As far as I know they are being compelled to carry out this review by the FSA. If they conclude that you fall into a class of persons that can be deemed to have been mis-sold PPI then you can probably expect some offer of compensation.

However, I cannot speculate as to the likelihood of this or the amount of the possible compensation.

Edit: this would involve you waiving any claim against them under the UK Consumer Credit Act, etc.

markkino · 28-12-2013 11:09pm

Got the same letter think u will get the outcome early 2014. I closed my credit card account in 2008.

SpaceTime · 29-12-2013 10:55pm

I got this letter too and I'm just wondering if it's just a few quid or likely to be a significant amount?

restive · 14-02-2014 4:48pm

It has been two months since i recieved the letter and i have not heard anything from them since.

SpaceTime · 14-02-2014 5:41pm

Heard nothing either.

Wheelnut · 15-02-2014 12:21am

restive wrote: »

It has been two months since i recieved the letter and i have not heard anything from them since.

Were you supposed to send anything back?

SpaceTime · 15-02-2014 12:35am

Wheelnut wrote: »

Were you supposed to send anything back?

Not that I remember.

restive · 15-02-2014 5:05pm

SpaceTime wrote: »

Heard nothing either.

The letter states

"no action is required by you at this time as a consequence of the review"

SpaceTime · 15-02-2014 5:19pm

Any idea when the review might conclude. I know I was likely ineligible for PPI because I'm self employed.

restive · 15-02-2014 7:33pm

No idea. They did provide a phone number for enquiries.

restive · 19-02-2014 4:47pm

I phoned the number on the MBNA letter. The number belongs to Avant Card. I enquired as to when the review would be complete. Avant Card said MBNA has informed them that the review could continue up until April.

restive · 01-05-2014 11:09am

After hearing nothing from MBNA I phoned avantcard. They stated that MBNA informed them at the end of April that they would not be finished the review until July. This was due to the large volume of cases involved.

restive · 22-05-2014 4:00pm

OK I received a load of literature from MBNA today. It was posted from the UK. They require me to make my case by filling in an application form which the have supplied. The jist of it is that if I was in full time employment, aged between 18 and 65 and a resident of the republic of Ireland then they were entitled to sell me PAYMENT PROTECTION INSURANCE. Therefore because I was living and working in this country I am entitled to nothing.

Can anyone supply me with information for a basis on which I might get to reclaim the Payment Protection Insurance premiums that I paid to MBNA?

markkino · 09-05-2015 4:30pm

restive wrote: »

OK I received a load of literature from MBNA today. It was posted from the UK. They require me to make my case by filling in an application form which the have supplied. The jist of it is that if I was in full time employment, aged between 18 and 65 and a resident of the republic of Ireland then they were entitled to sell me PAYMENT PROTECTION INSURANCE. Therefore because I was living and working in this country I am entitled to nothing.

Can anyone supply me with information for a basis on which I might get to reclaim the Payment Protection Insurance premiums that I paid to MBNA?

got the same letter last year saying i was not entitled to anything.but last week got a letter saying my refund is settled and it's on the way.happy days ðŸ˜Š

Carawaystick · 11-05-2015 10:48am

I remember getting the hard sell on the phone from these sharks a few years ago, the insurance was 1% of the balance per month and would pay the interest only for maybe 6 months, if I was unable to work or maybe lost my job - not sure about the job bit.
Anyway I was paying about 1.2% pcm interest, so it screamed a scam to me at the time. 8 months payments and the insurance was in the black.

unhappychappy · 13-05-2015 10:19am

I had a letter from MBNA UK saying they were looking into if I had a ppi claim and that AVANTCARD IRELAND would be dealing with me. I then got a letter from AVANTCARD saying I was not miss sold ppi. I wrote to MBNA UK and they sent a letter saying ppi in Ireland was only sold on an Exclusion only basis, which means as long as you were in work, over 18 and live in ROI then there was no claim.
NOW HOLD ON A MINUTE I WAS STILL MISS SOLD IT, IT DIDNT MATTER HOW THEY WORDED IT SO I WROTE TO THEM AND DEFINED " EXCLUSION ONLY BASIS" IT STILL SAID " SOLD" SO GOT MY FULL REFUND. IF ANYONE WANTS HELP TO WORD THEIR LETTER FOR THE REFUND. ILL BE HAPPY TO HELP. I HATE PEOPLE BEING RIPPED OFF. THERES NO NEED TO PAY SOLICITORS ETC WHEN YOU CAN DO THE SAM" STATE THE LAW"
I will email anyone who needs help "FREE"

unhappychappy · 13-05-2015 10:30am

DONT PAY SOLICITORS. I GOT THE SAME LETTER STATING I WASNT DUE A REFUND BASED ON THE " EXCLUSION ONLY BASIS" MEANING IF I WAS WORKING, OVER 18 AND LIVED IN IRELAND I DIDNT HAVE A CLAIM. I DOWNLOADED THE FULL MEANING OF EXCLUSION ONLY BASIS AND SAW THAT I WAS STILL SOLD PPI. IT DIDNT MATTER ON WHAT BASIS I WAS STILL SOLD IT. I ADDRESSED ALL MY LETTERS TO MBNA UK, NOT AVANTCARD SAYING I WAS MISSOLD PPI AND IT DO NOT MATTER UNDER ANY CIRCUMSTANCE. MISSOLD IS MISSOLD.
I GOT MY REFUND WITHIN THE LAST 6 MONTHS. IF ANYONE NEEDS HELP LET ME KNOW

discombobulate · 02-06-2015 12:44pm

I had an MBNA card for a good few years. Cancelled it last year. Fairly sure I paid PPI for a while. How would I go about checking if I have a claim? Not sure I would have details of card number or years I was with them

Miaireland · 02-06-2015 1:00pm

You should be able to contct the MBNA and get a form. I filled in a form recently and they just needed my name, address and dob but it was with a different company. I think they cannot use the lack of card number or years as a excuse as they would have it all on the system. JUst email/ring MBNA and ask them to send you a claim form.

irish pete · 03-07-2015 9:23am

I would be very grateful for your help in drafting a letter to claim PPi from MBNA.I too was sold a policy while self employed.

irish pete · 03-07-2015 9:25am

unhappychappy wrote: »

DONT PAY SOLICITORS. I GOT THE SAME LETTER STATING I WASNT DUE A REFUND BASED ON THE " EXCLUSION ONLY BASIS" MEANING IF I WAS WORKING, OVER 18 AND LIVED IN IRELAND I DIDNT HAVE A CLAIM. I DOWNLOADED THE FULL MEANING OF EXCLUSION ONLY BASIS AND SAW THAT I WAS STILL SOLD PPI. IT DIDNT MATTER ON WHAT BASIS I WAS STILL SOLD IT. I ADDRESSED ALL MY LETTERS TO MBNA UK, NOT AVANTCARD SAYING I WAS MISSOLD PPI AND IT DO NOT MATTER UNDER ANY CIRCUMSTANCE. MISSOLD IS MISSOLD.
I GOT MY REFUND WITHIN THE LAST 6 MONTHS. IF ANYONE NEEDS HELP LET ME KNOW

I would love if you could help me to apply.i too was mis/sold aPPI policy as i was self employed.

restive · 05-07-2015 10:51am

unhappychappy wrote: »

I had a letter from MBNA UK saying they were looking into if I had a ppi claim and that AVANTCARD IRELAND would be dealing with me. I then got a letter from AVANTCARD saying I was not miss sold ppi. I wrote to MBNA UK and they sent a letter saying ppi in Ireland was only sold on an Exclusion only basis, which means as long as you were in work, over 18 and live in ROI then there was no claim.
NOW HOLD ON A MINUTE I WAS STILL MISS SOLD IT, IT DIDNT MATTER HOW THEY WORDED IT SO I WROTE TO THEM AND DEFINED " EXCLUSION ONLY BASIS" IT STILL SAID " SOLD" SO GOT MY FULL REFUND. IF ANYONE WANTS HELP TO WORD THEIR LETTER FOR THE REFUND. ILL BE HAPPY TO HELP. I HATE PEOPLE BEING RIPPED OFF. THERES NO NEED TO PAY SOLICITORS ETC WHEN YOU CAN DO THE SAM" STATE THE LAW"
I will email anyone who needs help "FREE"

I would be grateful if you could forward the wording of the letter.

Thanks for being so generous.

Cs2 · 17-08-2015 11:20pm

Hi I was with them for 15 years. I was speckling to advant today. They said they would look into it. Would there be much of refund. Thanks you

unhappychappy · 02-10-2015 3:39pm

Irish Pete. Sorry only now saw your thread. Don't know why I didn't get an ALERT. Yes I had the same letter saying exclusion only basis as long as you were employed, an Irish resident and over the age bla bla bla. BUT THEY MISOLD YOU THE PPI AND MISOLD IS MISOLD WHATEVER COLOUR SHAPE OR FORM. YOU HAVE TO WRITE AND TELL THEM THAT THEY MISOLD THE POLICY TO YOU, IT DO NOT MATTER WHAT CONDITIONS THEY SOLD IT IF IT WAS MISOLD TO YOU, THEY HAVE TO PAY OUT ALL PRIEMIUMS PLUS INTEREST ETC.
I WILL POST AN EXAMPLE OF THE LETTER HERE NOW. I WAS PAID OUT IN FULL
Dear sir
I have been MIS sold ppi on the above policy and require all monies plus interest paid to me within the eight week time frame allowed. I was MIS sold ppi because ( insert your reason) I am aware of the exclusion only basis that mbna operated on in Ireland but MIS sold is MIS sold, it do not matter whatever basis it's under and I was MIS sold the policy.

My reasons were application was via telephone and ppi was not mentioned, not offered etc

Sebastian Dangerfield · 02-10-2015 4:09pm

65 euro cheque sent in response to my first letter

unhappychappy · 02-10-2015 4:26pm

Cs2 wrote: »

Hi I was with them for 15 years. I was speckling to advant today. They said they would look into it. Would there be much of refund. Thanks you

Advent sent me a letter saying I was not entitled to a refund. I contacted mbna.co.uk
There's a form on their website you can complete. I wrote directly to mbna uk and got a letter from advent saying they will be issuing a cheque. SO DONT DEAL WITH ADVENT GO STRAIT TO MBNA UK

unhappychappy · 02-10-2015 4:28pm

Cs2 wrote: »

Hi I was with them for 15 years. I was speckling to advant today. They said they would look into it. Would there be much of refund. Thanks you

I think there is a 6 year rule. So you should get 6years ppi payments plus interest

unhappychappy · 02-10-2015 4:33pm

restive wrote: »

I would be grateful if you could forward the wording of the letter.

Thanks for being so generous.

I only now saw your quote. I don't know why I haven't had any alerts.
I have posted a few things below. Hope it helps. If anyone needs help
My email is evansfaulkne at gmail.com
SORRY WADNT ALLOWED TO PUT THE AT SIGN IN MY GMAIL.

unhappychappy · 02-10-2015 4:38pm

Sebastian Dangerfield wrote: »

65 euro cheque sent in response to my first letter

Omg I didn't know I had to visit the page. I thought I would get notifications via email
So sorry to everyone. My emails on here so if you need help let me know

Cs2 · 02-10-2015 4:47pm

I got letter from advant. Stating that I was sent out information over the last few years about it. They told me I could appeal it. Should i
It was advant I was dealing g with. They sent out the letter to me.

morrga · 19-11-2015 1:37pm

I received a cheque from MBNA with a refund of policy payments made over 3 years with 2 quid interest applied. Is there any scope for further payment based on negligence, inconvenience caused etc?

Sebastian Dangerfield · 19-11-2015 2:32pm

I stupidly lost both the letter and cheque that I received for a claim going back to 2007. Now when I try getting it cancelled and resent, Avant tell me old claims need to be directed to MBNA, and MBNA send me back to Avant.

Is there an email address or number on any of the correspondence other people have received, and if so could you share / PM me please?

tigerella · 16-02-2016 12:34pm

unhappychappy wrote: »

DONT PAY SOLICITORS. I GOT THE SAME LETTER STATING I WASNT DUE A REFUND BASED ON THE " EXCLUSION ONLY BASIS" MEANING IF I WAS WORKING, OVER 18 AND LIVED IN IRELAND I DIDNT HAVE A CLAIM. I DOWNLOADED THE FULL MEANING OF EXCLUSION ONLY BASIS AND SAW THAT I WAS STILL SOLD PPI. IT DIDNT MATTER ON WHAT BASIS I WAS STILL SOLD IT. I ADDRESSED ALL MY LETTERS TO MBNA UK, NOT AVANTCARD SAYING I WAS MISSOLD PPI AND IT DO NOT MATTER UNDER ANY CIRCUMSTANCE. MISSOLD IS MISSOLD.
I GOT MY REFUND WITHIN THE LAST 6 MONTHS. IF ANYONE NEEDS HELP LET ME KNOW

Hi i am looking into this now as my hubby is a self employed plumber but since our credit card is from 2006 i was advised from citizans information that it was outside claim timeframe of 6 years. Is this true? Thank you

morrga · 17-02-2016 1:47pm

tigerella wrote: »

Hi i am looking into this now as my hubby is a self employed plumber but since our credit card is from 2006 i was advised from citizans information that it was outside claim timeframe of 6 years. Is this true? Thank you

I processed my claim only last summer relating to 2005 to 2009 so I dont believe you are outside the remit. They only began advising us (the public) of the breach last year so its a bit wrong/unfair to say you are statue barred.

MBNA payment protection

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