PPI & Credit Card Charges from A&L Credit Card

[clint1974]

I am starting the process of reclaiming PPI & Charges from an old A&L credit card. I did read that MBNA administered the cards so should i send both claims to them or should they go to Santander? Or one to each? Many Thanks

[clint1974]

Anyone?

[clint1974]

Can i reclaim charges ie late payment etc form an old A&L credit card ?

[ims21]

Can i reclaim charges ie late payment etc form an old A&L credit card ?

 

Yes...have a read around the bank forums....plenty of information on the subject

[clint1974]

SAR sent 11/10/12 to MBNA Cheque has been cashed today so will expect paperwork soon.

[maroondevo52]

Good luck with that clint, let us know how you get on.

[clint1974]

still nothing is it 40 Working days or just 40 days from date of reciept/posting that i can write to them advising that the time limit has passed?

[maroondevo52]

is it 40 Working days or just 40 days from date of reciept/posting that i can write to them advising that the time limit has passed?

 

The have to reply within 40 calendar days, starting from the day they receive both the fee and the information they need to identify you and the information you need.

[clint1974]

Had a letter today saying there still investigating and they will be back in touch by 9th jan.

[maroondevo52]

Lets hope it's good news

[clint1974]

had some correspondence back asking for info about previous iva now completed. Should i comply?

[maroondevo52]

had some correspondence back asking for info about previous iva now completed. Should i comply?

 

I'll ask someone to have a look.

[ims21]

Hi

 

Dropping in as requested.

 

Was this account included in the IVA and has the IVA been formally completed and signed off?

[clint1974]

Yes & Yes

[clint1974]

bump

[clint1974]

This ppi claim now is split between santander who took over the original alliance & leciester card and mbna who took them over. see attached letter rec'd from santander asking to provide statements to prove ppi payments. Should/can i SAR them for data over the 6 year period?????

[clint1974]

This ppi claim now is split between santander who took over the original alliance & leciester card and mbna who took them over. see attached letter rec'd from santander asking to provide statements to prove ppi payments. Should/can i SAR them for data over the 6 year period?????

 

Took over the Credit card operations i mean

[ims21]

Hi

 

Apologies I missed getting back to you.

 

My understanding is that of you have been signed off from the IVA then there is a good chance that you may be able to keep the money. However, the terms of the IVA may mention things about future PPI refunds so it might be worth checking them. It might also be a good idea to have a quick word with your IVA administrator too.

 

As far as SAR goes, we do know that these institutions do hold data from beyond six years so a SAR as always worth a go.

[clint1974]

Got no statements but do have the original credit agreement with the ppi box ticked

[ims21]

IN order to establish the amount of PPI paid you would need the statements which can really only be obtained via SAR.

[clint1974]

They have replied to the sar but only as far back as 6 years. I did state in the original request that if they have destroyed data from prior to this then to provide proof of destruction but again they are stating that they cannot disclose this info. I did send in a separate letter with a copy of the original credit agreement but having spoke on the phone with them they state they havent rec'd it. It was sent recorded and was signed for.

[clint1974]

had a letter back saying that "Having completed a review of the information provided including the terms of the iva, we can now inform you that you are not eligible to make a claim. This is because in the iva you pledged the right to make the complaint to the iva supervisor and that right continues even though the iva has ended. This is our final response." Make sense??!!

[clint1974]

bump

[ims21]

Have you had a word with the IVA administrator?

 

Have you reviewed the Terms of the IVA?

[clint1974]

Not spoke to the iva admin as pretty sure they would do there utmost to keep any payments due. Will have a look through the terms later.