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

In the past few months I've been receiving letters from a company called Past Due Credit Solutions, in relation to an old debt with British Gas. The default date was 21/02/2008 and there has been no contact till recently; during this time I have made no offer to pay and haven't even acknowledge the debt. I recently sent them a letter regarding the alleged debt now being statute barred, the content of which was suggested to me by a very helpful CAG forum member, and which has done the trick with other old debts. Past Due Credit Solutions have just written back and stated that 'the account is still within the 6 years collection period and can still be pursued for payment' The account will be held for 28 days for a response to this letter'. That confuses me, as I'm in Scotland, they're in Scotland, so I assumed the 5 year time-frame would apply in this case? I'm not sure if they're just chancing their arm, or if that's a genuine mistake. I realise that it's now very close to the 6 year mark anyway.. .and if they've put a 28 day hold on this, that would take it to just about to the day of the 6 year period. I've drafted another letter reiterating that it's 5 years in Scotland, and asking them to cease and desist (all the while clearly stating that I'm not acknowledging the debt). But... .if they ignore this letter... can I assume that once it hits the 21st February 2014, that the matter will then be dropped once and for all? I always feel that my posts don't make much sense, and are a bit disjointed and rambling, so I hope all of this makes some kind of sense to someone out there lol