MBNA - Alliance & Leicester - Thomas Cook credit cards

[miamidancer]

I am sorry about your experiences and understand what you are saying.

 

I don't think for a minute that any claims I make will be a walk in the park, I realise some may be easy and some may go down the Court route but at the end of the day, if you don't try, you will never know.

 

As the sayings go "Shy bairns get nowt" and "If you don't ask you don't get".

 

These companies are not going to come to you.

[ken100464]

That is fair enough my last word on it and will follow your thread with interest and will be the first to eat humble pie if you win.

[miamidancer]

ken100464,

 

I appreciate your input to my thread, it does give another side of these claims to think about.

 

I may get shot down in the process, but i want to feel positive and at least say I tried.

 

Many thanks

[ken100464]

Miamidancer.

 

Your welcome. I have no greater pleasure that a bank being stuffed. There are some expert bank stuffers on here.

[theoldrouge]

just to give you some encouragement in the last 12months I have received 7 PPI upholds, 4 charges refunds[hsbc,mint,barclacard,nat west] and 1 section75 refund, all from letters,spreadsheets and questionaires,no fos involvement or court action , so read and use the fsa ppi handbook and good luck! I have to add I have no experience of MBNA PPI reclaim so as Ken says could be best to inc overlimit charges reclaim in relation to ppi [as per fsahandbook p101, 3.9.2.G]

[miamidancer]

Hi theoldrouge,

 

Thank you for that advice and boost of encouragement.

 

I will have a look at the fsa ppi handbook and take notes to assist me in making the reclaims.

 

I will post any progress as it occurs.

 

[miamidancer]

Hi theoldrouge,

 

I have not been on CAG for a few weeks as I have been ill. I tried looking the fsa handbook as you suggested but it all seems to have changed since the change over in April to FCA and PRA.

 

As you have been quite successful in your claims for PPI and refund charges, if you don't mind could you give me some pointers/tips on the narrative for letters. Your assistance would be a great help to me.

[theoldrouge]

hi miami, hope your feeling better, just seen your post and yes will be happy to help where I can. First have a reread of Kens post no 23, you need to establish for certain how the PPI was sold to you- your reasons for the mis-sale are sound the policy was of no use to you. The FSA Handbook is still valid for ppi redress, have a read especially of appendix 4. Prepare your spreadsheet to send with your letter and you will also need to download and complete the FOS Questionaire. Your letter of complaint can be quiet short and to the point stick only to the valid main reasons for the mis-sale and how you were sold your policy, you can give plenty of further information in the fos questionaire but keep to the main points, a scattergun approach looks like a weak case. What has worked for me is to get an uphold first and then hit them with the further redress [ the overlimit charges] with capital one it took me seven letters but I heard today they have agreed. Any questions at all please ask

[miamidancer]

Hi theoldrouge,

 

Thank you for your advice, I feel I have a good case for reclaiming the PPI as I have been on Incapacity Benefit since 2000 after an operation that went wrong. It is stated on the CCA that I was on benefits and unemployed due to illness and therefore would not have qualified for PPI.

 

I am sending my claim off tomorrow and will update as and when I receive a response.

 

Many thanks.

[theoldrouge]

hi miami, you must state in your letter your complaint as to how the ppi was sold to you as well as the reasons for it being mis-sold as whilst you have very good reasons as to why it was mis-sold you must also say how it was mis-sold to you. Also dont give them any phone nos to contact you,far better to have any queries in writing-it gives you time to consider the correct replies, and send by special delivery £6.20, but you get an electronic signature-they cant deny receipt of your claim