MBNA Using Underhand Tactics To Avoid PPI Claim

[DennisTheDog]

In October I made a complaint to MBNA over my PPI on my credit card.

 

I then got two letters over the space of a few weeks.

 

One acknowledging the complaint and another apologising for the delay in resolving it.

 

Then I got this letter

 

You may recall that we recently contacted you asking for you to confirm details.

 

I regret to inform you that we have not received sufficient information to identify you.

 

We are therefore, unable to proceed with the investigation into the issues you have raised.

 

However, if you could verify the information, we will look to address any concerns raised.

 

In Addition, to ensure your complaint is dealt with promptly,

please quote the reference at the top of this letter.

 

This letter acts as our final response in relation to this matter and you now have the right to refer the complaint to the Financial Ombudsman,

within 6 months of the date of this letter.

 

I received no such communication asking for identification, it is a deliberate lie.

 

If anyone can give me advice I would be very grateful.

 

Do I have to go to the FSO now? or

 

can I call their bluff.

[dx100uk]

call their bluff

 

write back stating no ID letter ever received.

 

dx

[DennisTheDog]

call their bluff

 

write back stating no ID letter ever received.

 

dx

 

 

Thanks DX just banged off the letter and a SARS as I am in default on the card and have sold the debt, after thinking today, I think they have no intention of paying whatever.

[thegfb]

I think they have no intention of paying whatever.

 

I would think you are probably right

 

How much are you expecting to reclaim? If it's less than £850 it's worth emphasising this in your letter since they will automatically be fined this amount by the FOS to investigate your complaint should you refer it to them, then if it goes in your favour (likely) they will have to pay you back your monies owed as well.

[DennisTheDog]

I would think you are probably right

 

How much are you expecting to reclaim? If it's less than £850 it's worth emphasising this in your letter since they will automatically be fined this amount by the FOS to investigate your complaint should you refer it to them, then if it goes in your favour (likely) they will have to pay you back your monies owed as well.

 

It wil be more than that, I paid, on average, about £75 month for 10 years.

[DennisTheDog]

Well I've heard nothing from them and the deadline was 13th December what can I do about it? I have a feeling that they just want to fob me off without any further reply and force me to go to the FO.

[dx100uk]

deadline for what?

 

dx

[DennisTheDog]

deadline for what?

 

dx

 

It would be 8 weeks from my original complaint

[dx100uk]

give 'em a ring?

 

dx