Hi
Can someone explain an S.A.R - (Subject Access Request) to me. I am having great problems with MBNA. Firstly I am disabled and have been told I will not work again, before that I had a very successful business. I have given MBNA all the medical documents etc. I was forced to take out their PPP which is worthless. They turned down my PPP claim to start with but eventually paid up. I then started getting charges on my account for late payments. They were making the PPP payments, days after they should have, I compalined and got nowhere.
I complained to the FSO and won a minor victory. The insurance company than sent me a letter stating they has paid of the complete balances at the time of the claim. But I was still left with large account balances. After 27 months one card went down by only £900, that card has now increased by over £4,000 in charges in 10 months.
Being Disabled I only receive Higher Rate Disability Living Allowance, after my car is taken out I receive £260 per month, which most of that goes in petrol. I have a carer who looks after me (my wife).
I made a complaint to MBNA regarding why my cards balances hardly moved, todate (10 months later) I have not received a response. I have taken the matter to the FSO for mis-selling the PPP, I did receive a letter from them and quote "the insurance benefit level of 3% meets and exceeds our requirement" I pointed out that I was paying for this insurance and it should be the customers requirements not their. To date I have not had any responses.
I offer to make a payment of £2 (3 times, by fax and Recorded Delivery) until the matter was settled by the FSO and at the time asked them to take me to court, I never received a response. I have now received a default order and court papers. I have told them I am going to fight. They are greddy bullies, my account has been paid off twice now but they have managed in the last 10 months double the balance on one account from £5,000 to over £10,000 and on the other account by another 5-6 k. They ahve tried to get the matter at a court miles away from where I live, knowing I have a wheelchair and have to sleep in the afternoon?
They are now trying to put a charge on our house - which is owned by my wife. They sent me a letter recently saying I should remortgage or get family and friend to pay the amounts off.
Any help would be great. Anyone knowing of a class action against them on being forced to take out their PPP?
Robert