yes thats fine,as i say in no hurry. they said they sold me it at later date and i cant remember this. i want to see what telephone call said. what would happen if they just added it!!!

I am in the middle of the process. MBNA knocked me back saying they sold over the telephone and was not a condition of sale. I am sending off for SAR as I cannot remember them calling me to add to card.

THANK YOU, INTERESTING LINK!

I will keep going and take further. I am going to send a SAR in first and get all the details so can get all info

Hi

I am trying to reclaim PPI on a credit card which was taken out in 1996.

Card was taken out 30/7/96 and MBNA later rang me 25/8/99 selling me PPI. They pushed me to have PPI and did not give me all the information, ie. did i already have a policy? what would happen if lost job? I could of got policy elsewhere etc etc

I have received a letter from MBNA stating the below:

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.

They set out the terms and conditions of the policy, eligibility details, the main exclusions and details of the 30day cancellation period. In addition, you were sent a policy summary and full policy terms and conditions after the call.

After considering all of the information I have about your complaint, I note theat 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 plicy and there was no other terms, limiatations or exclusions which were likely to have prevented you from making a claim.

I took the card out, they later sold me policy informing me I had to take policy out to run along side my card, with added benefits for unemployment etc. When I was unemployed and tried to get help off MBNA, they failed to help, failed to inform me I could claim on policy. They advised me to cancel PPI off card to reduce my payments and thats all they could do.

Where can I go from here?

Please give advice

thanks for everyones replies, appreciate it.

I await their further calls if they do decide to press further - let u all know

thanks, but in my honest opinion I sold as not knowing there was or if there was damp in the van.......the van never smelt, wasnt wet or had mushy walls like he said. now he has damaged walls, i am hardly going to accept it back after he has damaged it

I have contacted CAB and awaiting reply.

I have also contacted ebay who said I did not have a return policy on my auction so its completely up to me if want to help buyer or not - but still worried

If it is true and we did not know where do we stand?

Why would they damage the van then ring and tell us?

Hi

Can anyone help?

I sold my caravan on ebay as an auction. The highest bidder won and came and purchased it last Sunday. They fully inspected the van. I had noted some points on my auction of things that needed work doing to it or was damaged.

Now they rang tonight to tell me the caravan has damp. They removed a blind (not sure why as fitted on wall) and they claim the wall is 'mushy' and their finger went straight through the wall.

What are my rights here??

Hi

Can anyone help?

I sold my caravan on ebay as an auction. The highest bidder won and came and purchased it last Sunday. They fully inspected the van. I had noted some points on my auction of things that needed work doing to it or was damaged.

Now they rang tonight to tell me the caravan has damp. They removed a blind (not sure why as fitted on wall) and they claim the wall is 'mushy' and their finger went straight through the wall.

What are my rights here??

thats fine ha ha

i just hope i havent just thrown £180 away

but ive wrote that, and they wrote back saying would only give £180 and my threat of court action means nothing as signed consent form.

i have referred several times to the gmac fos decision, etc etc and still they say i dont have argument.

i think its time to go to fos as i have done everything

i had a list of all charges when mortgage was paid off so used that. i then requested charges with first letter, then sent lba letter.

i dont have copy of consent form just that GMAC have recently stated I signed consent form stating I would not pursue GMAC for any further claims. I can remember signing this and was a very basic form.

I have asked GMAC for a copy and I am still awaiting

Ok, fair enough, I see where you are coming from but generally, the folk in the bank forum inc mortgages will have a knowledge of the current legal issues.

 

Are you clear on what to do now?

well no one knew an told me to put post in legal bit as not sure how i stand with signing consent form. thats what puzzles me, will it be thrown out because of this

no i have one in mortgage companies re my charges, but also added one in legal for legal advice about it.

Its not a problem.

 

You need to exhaust the complaints procedure with GMAC first. I think they will give you what you want during that process, and they have already made a first offer, take encouragement from that. This is just stalling.

 

Keep copies of everything in case its needed for later, everything in writing.

 

If you are unsucessful, then refer it to FOS. FOS will need to see you have exhausted complaint procedure.

 

Court requires that you have exhausted all available routes. I don't see it getting to that stage. Be firm and remember you are in a strong position. The Supreme Court decision did not affect charges on mortgages, loans, credit cards, catalogues etc.

i have done everything, sar, lba etc....they have contacted me several times via telephone to try and brush it off with £180.

i didnt know how the court or fos would see the signed form if i reclaimed again.

will i contact fos now then? can i do online

thanks for your rely really appreciate it....

i am going to pursue but by which route? fos or court?

does the document i signed consent to not claim, stand for anything?

no same mortgage. said gesture of goodwill

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can someone please advise?

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can someone please help/

Hello

 

Were your first charges reclaimed in 2005?

 

Is this a different mortgage you are reclaiming charges against?

 

Did you sign a consent order saying you would not pursue further claims?? If so, why are they offering £180?

thank you so much for replying, was giving up!

yes my first charges -failed direct debit fees, late payments, etc etc were reclaimed in 2005 after going to court. offered me full settlement day before court!

this is the same mortgage as i didnt pay the mortgage off till 2007, therefore, had further charges 2005-2007.

i did sign consent form to state i would not pursue further claims with gmac. however, feel the £370 in charges during this time is unfair and i have a right to reclaim. they are offering me £180 as gesture of goodwill NOT admitting error.

I just want to know whether worth pursuing or if signing that paper goes against me fr court.

any advice would be great

i a trying to claiim from them to, fob off all the time. passing the buck to other companies. i have gone through the fair trade practice to get my money as havent time or frame of mind to do myself at present

i will try tonight at work as better than this laptop!

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