Hi Nortie, first off congrats on getting as far as you have with your claim, especially going back as far as 1994, I am just about to start a similar claim with the same card provider back to 1993, if you could possibly give a run down on exactly how you went about it to start with it would be most appreciated ,cos I don't want to miss anything out, only info I have so far are about 12 months worth of statements. any advice or info appreciated. I realize there are multiple threads re this on the site but with so many links it gets confusing as my concentration span is not what it was. Thanks BM

Hi All, having thoroughly read numerous threads on this subject and having recieved some good advice on an earlier thread, I finally got around to starting to write for information from MBNA, however just as I was getting things together I suffered a heart attack, and really need help to cover the card payments, so question is can I still reclaim a mis sold PPI even though I will have made a claim against it. Cheers BM

I am totally new to any kind of benefits claiming as I have worked non stop for the past 40 Years, however due to circumstances beyond my control I had a requirement to leave my previous employment on 17th September, and I immediatly applied for JSA, unfortunatly on 26th September I suffered a heart attack and have spent the past week in hospital, I have now been told that due to the fact that for 9 months in 2008-I was self employed and only paid class 2 contributions, as I I did not earn sufficient to pay class 4 conts I am not entitled to JSA, I have phoned and asked about some kind of sickness/ ill health benefit and was told that if I did not qualify for one I will not get the other? I think the world has gone mad I have been paying into a system for over 40 years and and the first time I ask for a little bit back I am told no, needless to say I am trying to not get too wound up about it due to the heart problem but it is getting difficult not too, anyone got any ideas? all help greatly appreciated

OK here goes, I am the OH referred to by crissyb123, The grievance referred to is that since this manager arrived I feel I have been able to do nothing right for doing wrong, to an extent that I feel I have been bullied and harassed at every twist and turn, many instances are/were trivial in essence but over a time grind you down, there have been so many that I can only remember a couple of major incidents, I will only relate one to save boring everyone, A couple of months ago one of my team finished his shift, changed out of uniform and upped and left, telling a colleague, he would not be back and left the uniform and a letter addressed to me with it, I was phoned on my day off by the manager and after about 15 minutes of going around the houses and idle chat, asked me if I knew that this person had left, I explained that as the shift had finished 2 hours ago he should have by now, I was then put in the picture and asked about 10 times if I had any prior knowledge it would occur, which I continually denied, I was then told in no uncertain tones that I should collect the letter and take it to my manager forthwith. This person does not ask questions , but “demands explanations” Thought I would throw this in as an after thought will be interested in replies One of the allegations against me is that on one occasion I was asked/told that a certain task required completing by me, only an hour before I was due to finish work, (this was the first time I was made aware of the task). for three and a half hours I attempted to log on to the only computer that I could use to complete the task but it was in constant use by other persons, when it eventually became free I had already been at work for over 11.5 hrs, to stay and complete the task would have required me to be at work for between 14.5 and 16 hrs. So I delegated the task to another individual who unfortunately made a few mistakes, A “conversation” was held between my manager And I the following week, when I gave my full explanation and apologies and thought the matter dealt with, but this apparently is now an issue and appears to prove my bad attitude towards him. is there a maximum hours per shift you can be expected to work, I am contracted to 7.5 hrs with a 1/2 hour unpaid break any 5 over 7 24/7 though I regularly work between 50-55 hrs per week. I feel like a duck on water, gliding easily on top, but paddling like hell below the surface. Any further advice gratefully received.

Many Many thanks pompeyfaith, Wll get it in the post during the week and continue reading the stickys and any other info i can gather, I will no doubt be back with more q's later. Regards

OK, Guys My first 2 Q's How far can I go back with a claim? I think I recall taking the card out in around 1993, and I was self employed at the time (if that makes any difference) What is the first step, Just write and tell em I want me cash back, or get one of them information request things done first, This is goin t'b'fun TY

Cheers Guys, Looks like I got a whole lot of reading to do. Will be back with questions later no doubt.

Hi peeps ,dont really know where to put this so its probably in the wrong place, When I first took out my credit card with MBNA, about 20 years ago I am almost positive that I was informed that the PPI was mandatory BUT I can not be 100% positive, Most things had this mandatory insurance in those days in any case so it would not have been out of the ordinary then and was just accepted. I feel that I would have been required to sign saying I accepted this or the card application would not have been accepted, is there anything I can do apart from just cancelling it as I reckon they must owe me a few bob.