Good afternoon, I'm after a bit of advice regarding a PPI claim with MBNA. I took out a credit card with BT back in 2008, which was later bought by MBNA, I was sold PPI at the time having no idea what I was in for and being constantly reassured by the sales woman that it wouldn't cost my anything and was just in case. I was self employed at the time and as such was not even eligible for it. The saleswoman was very persistent and pushy. I contacted MBNA and submitted a PPI claims enquiry they pointed me to. Yesterday I received a letter from them to say I'd been unsuccessful in my claim and they cited what sound like quite a few bogus reasoning's. I've included an excerpt from the letter below. " - you took the credit card on 30 April 2008; - you were sold PPI over the telephone on 10 May 2008; - at the time of the sale, you stated that you had been employed as a self employed IT Consultant. Unfortunately we do not have a recording of the sales call. However, we have been able to review the information that our associates where required to give you at the time, from which it is clear that your sale was made on a non advised basis. In other words, it was not personally recommended to you. You have said that the policy was not suitable for your needs. Since no advice was given our associates were not required to ask whether you had any existing insurance in place, collate any information about your demands, needs and circumstances and nor did we have a duty to ensure that the policy was suitable for you. However, we were required to give you information which was adequate for you to make an informed decision about whether or not you wished to purchase the policy. The information that our associates were required to give you at the time of the sale required them to set out the terms and conditions of the policy, eligibility details, the main exclusions and details of the 30 day cancellation period. In addition, you were sent a Policy Summary and full Policy terms and conditions after the call. The Policy Summary set out the eligibility for the policy, the benefits of the policy, the main exclusions and the cancellation terms. The full Policy Document provide further comprehensive information. As such, I consider it more likely than not that your information needs were met. You have also said that you felt pressured to purchase PPI. However, at the time of the sale, our associates were required to inform you that the policy was optional tand to gain your consent. they were required to as you "Can I confirm that you are happy for me to add this to your account today and that you agree...". I therefore take the view that our associate would have made you aware that the policy was optional and was being added to the account. you have made allegations about weakness in our disclosures about key features of the policy, including details relating to the cost and benefits of the policy. In making a decision on your complaint, I have considered whether, had all the key features been fully explained, your decision to take out the policy would have been affected, based on your circumstances at the time. After considering all of the information I have about your complaint, I note that you would still have received significant benefit from this policy in the event of disability or unemployment, as the benefit more than covered your minimum payments each month. Furthermore your sick pay and other benefits would not have prevented you from making a claim under the policy and there were no other terms, limitations or exclusions which were likely to have prevented you from making a claim. ... This is our final response to your complaint. If you remain dissatisfied, you now have the right to refer your complaint to the financial ombudsman service, which you must do within six months of the date of this letter..." Where to from here, OFT? Do I have a case?

I've received a letter from ACS Law acting on behalf of the 'Rights Owners' of work entitled 'Evacuate The Dancefloor'. It's dated July 7th and refers to a copyright violation that took place on 16/10/09. Now I know they must be trying their luck cause I hate pop music and have never downloaded such a thing, but I shared a house with 4 other people so I cannot speak for them, but the account was in my name at the time. Having read all the links i've found just by googling this 1st line I can guess it's a [problem] of sorts, my question is, do I just ignore the letter? I've since moved address and only got this letter when I went round to see if I had mail sent to my old address. Also