I already have that, yes I ticked it, but when I filled the form I got help from the operator, on a helpline number provided on that form. This was a confusing form and was advised if I don't tick, then my application won't be approved. How do I make a complaint to fos, never dealt with them.

I already have that, yes I ticked it, but when I filled the form I got help from the operator, on a helpline number provided on that form. This was a confusing form and was advised if I don't tick, then my application won't be approved.

Hi Since I posted the letter in early June 2012, I heard nothing from MBNA. So I decided to ring em, the the person tells me the letter has been received, but decision still remains same(reading of screen). I then asked him to send me a reply to this letter. He advised me , that will be sent out today. I did clarify with him on there refusal reply dated 1 may 2012, why did you put down that I requested the PPI in august 1996. He tells me that my card was actually authorised to be used in august, but Ppi was ticked in July 1996 , when contract was signed, but was surprised why that was on reply letter. Can you please advise me, what step do I take next. Please help

Hi Since I posted the letter in early June 2012, I heard nothing from Mbna. So I decided to ring em, the the person tells me the letter has been received, but decision still remains same(reading of screen). I then asked him to send me a reply to this letter. He advised me , that will be sent out today. I did clarify with him on there refusal reply dated 1 may 2012, why did you put down that I requested the Ppi in august 1996. He tells me that my card was actually authorised to be used in august, but Ppi was ticked in July 1996 , when contract was signed, but was surprised why that was on reply letter. Can you please advise me, what step do I take next. Please help

Thanks for that, I posted the letter out yesterday, sent recorded delivery. Now waiting for a reply.

PLEASE CHECK LETTER TO MBNA BELOW AND ADVIS IF IT IS OK. ALSO I DONT UNDERSTAND ON MBNA'S FINAL LETTER , THEY STATE THAT THEIR RECORD SHOWS THAT PPI WAS APPLIED TO MY ACCOUNT ON MY MY REQUEST ON 9TH AUGUST 1996. BUT ON MY APPLICATION FORM COPY, WHICH HAS PPI TICKED, IS SIGNED AND DATED BY ME 23/7/1996 CONFUSED http://s888.photobucket.com/albums/ac83/yousefmohammed/?action=view¤t=DSC00215.j pg YOUR REF : XXXXX Re: Payment Protection Insurance on Account Number XXXXXXXXXXXX 03 June 2012 Dear Sir / Madam Thank you for your letter regarding PPI on above account. I am totally confused by your letter. You state you have enclosed a copy of the application form, but nothing is enclosed. I think I have not clarified everything in my application for my refund of PPI. In 1996, late July I got a small application form for a credit card for MBNA. This was my first ever application for a credit card. On this application form there were few choices to choose from, i.e type of card required etc. I was confused, which therefore I rang MBNA on 0800 062 620, this number was printed in big letters on left side of the application, stating PLEASE RING IF YOU NEED HELP COMPLETING THIS FORM. I rang that number, and went through the whole application with an operator. I still have a copy of my application along with my old statements dated back to 1996, as I keep records of everything. I explained to the operator about my home status and work status, and I was advised to apply for Visa Silver Card=M07002960. I went through the whole application with the operator, including Payment Protection Insurance section. I wasn’t sure if I needed this, but was advised on phone I must take PPI option as it is vital and it would help me, and has great benefits. PPI was glorified and I don’t think I needed it. I also felt if I did not take it, my application may be refused. As this would be my first credit card, I went along with it, and just agreed. If you think I opted for it, please provide me with proof. If you can't, then I would therefore demand a full refund on all my payments plus interest. I hope, I have been a bit more clear on this occasion, and look forward to hearing from you.

PLEASE CHECK LETTER BELOW TO MBNA AND ADVIS IF IT IS OK. ALSO I DONT UNDERSTAND ON MBNA'S FINAL LETTER , THEY STATE THAT THEIR RECORD SHOWS THAT PPI WAS APPLIED TO MY ACCOUNT ON MY MY REQUEST ON 9TH AUGUST 1996. BUT ON MY APPLICATION FORM COPY, WHICH HAS PPI TICKED, IS SIGNED AND DATED BY ME 23/7/1996 CONFUSED http://s888.photobucket.com/albums/ac83/yousefmohammed/?action=view¤t=DSC00215.j pg YOUR REF : XXXXX Re: Payment Protection Insurance on Account Number XXXXXXXXXXXX 03 June 2012 Dear Sir / Madam Thank you for your letter regarding PPI on above account. I am totally confused by your letter. You state you have enclosed a copy of the application form, but nothing is enclosed. I think I have not clarified everything in my application for my refund of PPI. In 1996, late July I got a small application form for a credit card for MBNA. This was my first ever application for a credit card. On this application form there were few choices to choose from, i.e type of card required etc. I was confused, which therefore I rang MBNA on 0800 062 620, this number was printed in big letters on left side of the application, stating PLEASE RING IF YOU NEED HELP COMPLETING THIS FORM. I rang that number, and went through the whole application with an operator. I still have a copy of my application along with my old statements dated back to 1996, as I keep records of everything. I explained to the operator about my home status and work status, and I was advised to apply for Visa Silver Card=M07002960. I went through the whole application with the operator, including Payment Protection Insurance section. I wasn’t sure if I needed this, but was advised on phone I must take PPI option as it is vital and it would help me, and has great benefits. PPI was glorified and I don’t think I needed it. I also felt if I did not take it, my application may be refused. As this would be my first credit card, I went along with it, and just agreed. If you think I opted for it, please provide me with proof. If you can't, then I would therefore demand a full refund on all my payments plus interest. I hope, I have been a bit more clear on this occasion, and look forward to hearing from you. Y XXXXXXX

and was guided through the application.I was advised on phone I must take PPI option as it is vital and it would help me, PPI was glorified and I dont think I needed it is the above ok, or i should add more

Basically I write to them, stating that they have not understand the whole application Imade. I rang to get advice which card to choose as few options were available on application, and was guided through the application.I was advised on phone I must take PPI option as it is vital and it would help me, PPI was glorified and I dont think I needed it, If you think I opted for it, please provide me with proof.. If you can't, then I would therefore request a full refund on all my payments plus interest.

The question now is who do I write to now? MBNA or make a complaint to financial Ombudsman. As it states on mbna's letter, this is a final reply from mbna As far as they are concerned, this matter is finalised. But I am entitled to make a complaint to ombudmans within 6 months of this letter. Can you please advice who I should write to, and rough idea what to put in complaint or a letter would be appreciated.

The question now is who do I write to now? Mbna or make a complaint to financial ombudsman. As it states on mbna's letter, this is a final reply from mbna As far as they are concerned, this matter is finalised. But I am entitled to make a complaint to ombudmans within 6 months of this letter. Can you please advice who I should write to, and rough idea what to put in complaint or a letter would be appreciated.

I sent the PPI consumer questionnaire form, stating "cant remember it was just added onto payemnts it was a sales technique, as i dont think i needed it"

I sent the ppi consumer questionnaire form, stating "cant remember it was just added onto payemnts it was a sales technique, as i dont think i needed it"

photo of the so called card contract http://s888.photobucket.com/albums/ac83/yousefmohammed/?action=view¤t=DSC00215.jpg http://s888.photobucket.com/albums/ac83/yousefmohammed/?action=view¤t=DSC00219.jpg

I already have a copy of this card. Under ppi there is a tick, yes is ticked, this is dated july 1996. THIS LITTLE APPLICATION CARD HAS FEW OPTIONS, AND I REMEMBER CALLING THEM ON THE NUMBER NEXT TO IT, WHICH SAYS, IF YOU REQUIRE HELP FILLING IN THIS FORM THEN RING 0800 062 620 FREE. I RANG THAT AND WENT WITH ADVISE, I RANG THEM AS THIS WAS MY FIRST CREDIT CARD. THIS FORM HAS OPTION TO CHOOSE VISA GOLD,SILVER,GOLD MASTERCARD,SILVER MASTERCARD. ALSO OTHER BORROWING INFORMATION, ALSO ADDITIONAL CARDHOLDER. I have paid loads on ppi any advice ,please