I got my MBNA card in 98. I was early thirties. I ticked the box for PPI. I had insurance on payments on bank loans earlier so thought it was a good idea.
I tried to play dumb when filling the claim forms from Claims Guys. My bank said I had no PPI but MBNA said I had. MBNA refuse to pay out as they say the blurb beside tick box on application form was very explanitory. Fair enough. I thought it was worth a shot. Wifey thinks if I still play dumb I might get more from it.
I might try the bank again. I had two loans with them in my twenties. One for a Renault 5 and the other for my GSG/Marshall setup (or was it the SG/Laney the year after?).
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I managed to claim back the PPI from an Egg loan I had, as when I took the loan out, they implied that the chances of me getting the loan would be reduced if I never took it. I claimed it back myself using the guide on MSE.
An idiot I worked beside tried to claim his back, and was bragging about it. He went very quiet when his claim got kicked out and it transpired he had claimed on the PPI. He thought they wouldn't check. He's now 1 year into a 5 year debt repayment plan.
On a more positive note, I got a letter from the tax people telling me I am due nearly £500 in over-paid Income Tax. I'd love to spend it on gear, but am still paying Tesco Creditcard for our holiday in Devon a few months back.
Actually thinking about it one of my mates who's a tax inspector has recently taken early retirement, maybe the two things are connected.
That's fraud.
He basically says "if you can get it from a bank, get it, they're bastards".
Forgetting that it's the people that didn't tick the PPI box in the first place that are paying for those refunds (someone has to be!)
I put a claim in last month and the cheeky fuckers rejected it, saying there was no record of PPI with the card number I claimed with and it was up to me to prove it.
Luckily, I have an old statement from 2000, when I filled up with petrol in eight different US states. Last item on it is a PPI payment, so I sent them a copy on Tuesday.
The downside is I've spent a year intending to fill in the form I have but I just never get around to it ....
It only takes one person to say no, we're taking criminal action and it would change the demographic hugely.
*An Official Foo-Approved guitarist since Sept 2023.
Its honestly a scam. They do absolutely nothing except stick a cover letter on the front and then charge you 30% for the privilege.
The bank are more than likely still going to have to phone you to go through all the info, and if they don't it's because they've found something on their own systems which means you were missold. Nothing to do with anything that the CMC has done.
Years ago I put in a claim for a possibly mis-sold endowment mortgage (I wasn't that bothered but the company involved had contacted me rather than me contacting them so I went along for the ride, making no real effort to convince them that I deserved anything).
After a few months it finished up with me having a phone conversation with someone involved at the final decision stage who told me it was very unlikely that I would get anything, which I considered fair enough.
A few weeks later I got a cheque for £6k . . . which was nice.
axisus said:
Thedownside is I've spent a year intending to fill in the form I have but I just never get around to it ....
I found the 2000 statement in 2013 FFS, and put it off until August. Get as much info as you can, a quiet half hour and do it yourself.
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