Sorry things didn't go as well as you would have liked. But they haven't won, good luck.

Hello lilal, I sent GE Money another letter yesterday asking them to look at my claim again and informed them I will be reporting them to the FO, FLA and the ICO. Have you had any luck with GE, have you had a Court Date yet?

Good luck for today, I hope you get the result you want. I am watching with interest as I intend to make sure MBNA refund my mis-sold PPI also.

Hello Hellhasnofury, I am not the greatest on the computer. Do you mean scan the documents and download by using the insert image icon? Looking at the application form I applied for this card on the 28.11.01 it was a Thomas Cook MBNA credit card then but has sice changed to just MBNA. Looking at the document titled 'Credit Card Agreement Regulated by the Consumer Credit Act 1974' (This must be the 'Terms & Conditions' under Key Information it reads : If you break this agreement, you must pay the following default charges. £12.00 each time that your payment has not reached your account in cleared funds by the date your payment is due £12.00 each time a cheque, direct debit, a credit-card cheque or other item for payment is unpaid £12.00 each time the account balance goes over your credit limit ..... Is this what you mean? I have just looked at the last 6 years statements they have sent to me and the current terms and conditions on the 6 Mar 08 and the 'Terms and Conditions are exactly the same as what they have just sent me! Also looking at the transactions on the infomation they sent me, I was charged late payment fees of £20.00 in 2002, unpaid direct fees of £20.00, Returned unpaid direct fee of £35.35, in 2004 £25.00 for late fees and Over Limit Fees £25.00. In 2007 my late fees were £12.00. I have paid around £250.00 in fees I will send them a letter requesting these also. I have only been concerned with PPI I have paid a few hundred quid. So looking at these documents they cannot be 'True Copies' as the default charges do match what I have been charged! What shall I do no? Your advice is very much appreciated. Sorry this has been a bit long winded.

Please could I have some advice on my next step with MBNA. I have today received from MBNA original credit card application form and agreement and terms and conditions. How do I know if this is a true copy of my credit agreement? Do you think the court route is now the best bet with this. If so, is there information on this site that will help me to step-by-step with the court application form and advice. Good luck Oggy1 with your court case please let me know the outcome. Any advice from yourself would also be appreciated.

Hello Oggy1 Thank You For Your Reply. Have You Had A Result With Mbna Yet. I Am Going To Wait A Little Longer For A Reply, But I'm Unsure What To Do Next, Any Advice?

Any advice please, I sent a letter to MBNA on 17.3.08 containing the following paragraphs (as per hellhasnofury advice re letter N - Thank you.): With reference to the above agreements, I would be grateful if you would send me a true copy of these credit agreements. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of the credit agreements on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. I understand a copy of my credit agreements should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I have not had a reply from MBNA yet though they did cash my cheque on 3.4.08. Any advice on what to do next would be much appreciated.

I have now received a letter from NatWest offering me a refund of £724.96 which is the past 6 years premiums plus 8% interest. I am very pleased. I could not have done this without help from the Consumer Forum. Thank you to Hellhasnofury who has helped me.

I have had success with Alliance & Leicester PPI. I hope I am posting this in correct place. I sent S.A.R. letter 27.2.08, received documents back for the two loans I had previously. 11.3.08 sent letter informing A&L I was mis-sold and wanted full refund off PPI. 27.3.08 received letter from A&L offering me a refund of £1556.76. I accepted this and the cheque goes in the bank today. This money is very much needed to help me settle other debt. I am really pleased and The Consumer Forum has helped me to get to this result. I will be making a donation to the forum. I still have to pursue Lloyds TSB, MBNA and GE Money. These are proving difficult I will be needing advice on these and hope The Consumer Forum can help me again when I post my new threads.

Hello, Thank you for all the replies, I have only just read them, been on holiday. I did send a S.A.R. and they said they were sorry they were not able to get me all the information I require. I will send a letter to the Information Commissioners Office.

Hello, Thank you for your advice. I will look into the court route but it does scare me. Let me know how you get on.

Hello Hellhasnofury, Thanks for replying. I dont really want to go down the court route with this one, they owe me about 150 quid may be less, I am not sure because I have missing statements that they could not provide. The form they sent me was the pre-contractual application form that I filled out in store. The also sent me a copy of GE Money Account Cover Policy Document.

Please could you advise me if possible on how I can respond to GE Money. I have received a letter back from GE Money informing me that they will not be refunding my ppi. They included my copy credit agreement on which I have signed next to the cross the sales assistant marked for me to sign and my copy account cover policy. They have written that recent fines by the FSA relate to policies purchased after Jan 05 and mine was purchased March 03. They wrote the process they had in place at the time of the application was to make it clear the policy was not compulsory and I had 30 days to contact them and cancel if I wanted to. (At no stage was PPI discussed during the application). They also stated that following my DSA request they were sorry they couldn't provide me all the information I requested and if a refund were appropriate they would estimate the unknown premiums paid by using an average of the known premiums paid. GE Money end the letter by saying I can contact the FLA if I remain dissatisfied. In the letter I sent GE Money I said I wanted a refund due to following: having recently looked at the paperwork for my store card I now realise that I have been paying for insurance that I did not know I had taken out so could not have been explained to me. your salesperson did not discuss account cover premium with me at all or inform me that the policy was optional. The application in store was a very quick process where by the sales person asked my name address and phone number and then asked me to sign next to the sections marked with a cross. Your sales person did not tell me in store I was signing for Account Cover Premium. I believed I was putting my signature to an application for credit. I am concerned the sales person that sold me the policy has no financial background and the policy was not sold in my best interests. Also due to the fact GE Money have been fined by the FSA for failing to treat your customers fairly when selling Payment Protection Insurance and I do not believe that my policy was sold in my best interests. Any advice please.

Thank you Hellhasnofury. Still can't see clicky thing in left hand corner.

Thank you so much. I will send this letter out today. Once I get a reply MBNA could I please ask your advice again? Also how do I click your scales?