Thanks Ims21, The challenge with writing them is that all previous correspondences sent via RD were not acknowledged nor dealt with!! As you might recall I have been on this issue since middle of May and there is no resolution yet. They (MBNA)have admitted miss-selling the policy to me in writing. It takes about 12months before the FOS can resolve anything. My BB case is current with FOS.

Hello everyone, Since my last post above I have called MBNA 4 times to get the breakdown of the PPI payment they have taken from me on the loan accounts mentioned and how they arrived at the figure they wanted to give me. The most recent call was 21st September where the advisor said it will take another week before they can finish the breakdown since August!!. We are now in October and I am yet to get the breakdown nor the check!!. I dont really know what to do or where to turn. I however recorded the last conversation I had with the advisor and I intend calling MBNA again today and to also tape the conversation just in case I need it somewhere along the line. What are your considered opinons please.

Hello everyone. I have sent HFC the SOC for the PPI via RD. I cant attach the second Dixon purchase agreement to this thread here. I will do it on my MBNA thread. Awaiting any further comments please.

@DX, PPI was automatically added to the Loan without my consent being sought. I have Company statutory sick pay of 6 months full pay 6 months half pay. I have not put in a PPi mis-sold case to HFC yet cos I wanted to see the amount being deducted as PPI from the £54 pounds monthly payment that they were collecting from me as I do not have those paperwork any more save 1 or 2 from them. I do have my bank statements reflecting the deductions from the time the 1st direct debit was drawn until it was paid off. What I intend doing is to use an average amount as monthly PPI payment to do the calculation before sending it off to FOS as HFC has consistently stated that the account has been closed over 6yrs. Do you think I should put a claim to HFC on PPI then or should just take it to FOS straight even thou I have reported HFC to the ICO . @Mike770, I have copies of my Bank statements showing the payments to HFC on the Loan Account in question and I can highlight them. Do you have the contact details for this Juan Howells at HFC? and do you think I should contact HFC for the PPI first before going to the FOS?. My reason for asking is because they have refuised to comply with my SAR request. So they can turn round that they have no record of that account and therefore they cant deal with it. Your advise please all Caggers!!. Thanks.

In actual fact I have a paperwork of something I purchased from Dixons thru HFC and the added PPI on it without my consent. I am not even asking them about that!! I will put that document up soon.

@DX, To the best of my knowledge I did not ask for PPI to be added to the Loan.If they have shredded all the paperwork where would they get the agreement from? How can they dispute the figure that would be calculated if they have no trace of my account with them. Can the FOS compell them to pay the figure that is calculated. Please share your experience with us on this cos I dont want to engage in a wild goose chase. Waiting to hear from you.

@Dx, yes its the Personal loan Plus Account.@ Citizen B, I have the statement on my BB account where the payment was drawn from. @ havingastella,whatever they have done with the account should be produced as the SAR request stated. i will paraphrase what the content of their letter to me says. " We write further to your letter dated 20 august 2012,the contents of which we note. Our position remains unchanged from our letter dated 15th august 2012 We confirm the above account has been closed over 6years. HFC bank retains account information and documentation for a period of six years after an account has been closed. this is done to ensure HFC Bank complies with certain laws and regulations,including The Data Protection Act and The Proceeds of Crime Act. They have not explained wat they have done with the account and completely ignored the SAR.

The ICO is yet to assign the case to a worker yet since middle August.I have even sent the copy of the last reply I got yesterday to ICO via e-mail today.

Citizen B, the purpose of the SAR is PPI and I have the payment deductions on my Bank statements. They were taking about £11 pounds monthly as PPI on the loan for about 2yrs. (2000-2002) do you think I should just do the SOC with the FOS questionaire and send it to HFC then?.

I have SAR HFC and they have twice returned my £10 postal order saying they have closed the account 6years ago. I have also informed the ICO. I have done 2 LBA but still have not got compliance by HFC. What is the County Court process please.

This is the last letter I received from BB in reply to my last mail to it.I see that BB is hell bent on not upholding my case and I have therefore lodged a formal complaint with the FOS. Sept 4 a.pdf Sept 4 b.pdf

ims21, Thanks, that is what am going to do. am still waiting for my compliance with my SAR to MBNA though. The 40 days will be coming to an end on friday. If I get that before their cheque is on my doorstep it will allow me to do the calculation well using CAG's spreadsheet.At least now we know something positive is in the offing.

I phone MBNA today from a payphone and got someone who said they have sent a cheque for x amount of money to me since July. It transpired that it was sent to my old address. They have now decided to cancelled the cheque and send it to my current address. I have asked them to include in the breakdown of how they have arrived at the figures. I intend to use the CAG spreadsheet to do my own calculation once I get to know how much I was paying as PPI on the loans. If my own figure is at variance with theirs (which I suspect might be) what would be the best way to make them agree to my figures and pay me accordingly. Just thinking ahead and getting ready for another round of battle with MBNA. Over to you ,guys.

Citizen B, I do have a reference number for the 1st account which they acknowledge in their letter dated 22/may 2012. They then sent a further letter dated 7th June that they will issue a response by 06 July. When I did not get a response by the 6th July I sent a reminder letter to them on the 9th of July. I also reminded them that the 2nd account as not been responded to that was lodged same date as the 1st account in May. After waiting a week for them to respond to this letter I sent another reminder on the 17th of July. Nothing has been heard from them on both accounts as at today. That makes it 4 months with not knowing what their decision is on any of the 2 accounts!!.

The last letter of the 17th of July was received and signed for on the 19th July at 1016hrs by one STAPELY at their Chester Office.