Do you think I should write to the senior FOS and state that I did ring up nearly a year ago when I found out I had PPI, and also state it was not sold to me because really its a service (ongoing) not a sale so the 2.8.2 should not apply as its a loop hole, why should I look for something on my statements I did not ask for ? May be stating that this is negligence and purposely added for illegal financial gain. I don't want the original complaint to be barred again because its outside a time limit like 21 days after the FOS last decision. thanks thanks

Hi, ok I will do the letter. I take it MBNA will still stick to the timebar.

Hello dx, the forms did state that I have always turned down any insurance and that I was always in full time employment with full pay even when on sick (staff pay), I also have the forms for this. I honestly in about may last year rung up MBNA after looking at a statement asking what the payment was for and was shocked when the telephone operator said it was payment protection cover, I cant remember the discussion after that as I knew I had this card along time (with a good balance on it) then next time I checked the statement it was changed from payment protection cover to lifestyle protect (which also brought down the ppi cover from £30 to about £16), so they were milking me till the last second. That alone to me is not good.. I will see if I can scan the forms. thanks

As requested here are the responses from MBNA and FOS, I kind of get that it is a while ago but fraud is fraud, intentionally adding a service not asked for I would thought would need repaying. I would have thought that PPI is not a "Sale" , its a service that is on going so why does that fall into the 6 / 3 year slot. thanks for the interest in this case, I was wondering if anyone else had come up against this "timeBar".. Thankyou. FOS Response.PDF MBNA Response.PDF

Ok Here is the update, FOS is still saying that I should have checked my statements and the time bar still stands. Looks like I cant claim any PPI back, so this is a loophole to not pay out PPI.

Hello, I started a PPI claim from MBNA (credit card) PPI was automatically added, The card started about 1995 (I was about 20) still used today. I have been told by the FOS (via a ppi claim company) that MBNA has said a time bar applies to my claim as I received statements and the ppi would have been on them. Well sure it was every one would have who had PPI. I understand this is fair enough and there will be people saying this is my fault but I did not even know I had PPI (hence miss sold) and this was my first credit card when I was young and obviously a lot went on this card to get me by in the early years, Also to be honest I never checked every transaction I simply look at the amounts and mentally check the figures I still do the same today with all my accounts. I am extremely tied up from 6am until around 8pm working and paying lots of tax... lol I have read about the 6 and 3 rule and also a lot of posts revolving around this matter, I feel this is a loop hole at which all banks can refuse PPI on maybe 9 out of 10 requests, so is this PPI coming to an end and shafting the late claimers who have only heard about PPI reclaiming on the media ?. I feel let down by the FOS at the moment as if PPI is Fraudulently or secretly added is does not matter when it was? I have re submitted/escalated to the FOS stating I was not aware of the PPI until my first phone call to MBNA within the last 2 years and asked on the phone what is this payment for ? Has anyone else had this issue and had a resolve ? Thankyou