PPI reclaim for MBNA CC - grounds for claim?

Hi All



hello - am new to this bit of the forum :tinysmile_grin_t:



I had an MBNA credit card from late 1999. the card had PPI and am wondering if i have grounds to claim?



timeline

• I am unsure how the PPI was put on i suspect it was part of the application process which was a postal process in those days.


• I recall trying to cancel it as soon as i got the card but was dissuaded by the person at the end of the phone


• I then merrily paid about £30 PCM until about 2005 when I called again to cancel. I remember the woman at the end of the phone was having none of it and was very aggressive in her selling technique, i compromised and had PPI at reduced rate of £15pcm


• I then got into difficulties and entered a DMP. They continued to charge the reduce rate. It took two letters (i still have them) and they finally took it off


• in 2007 it mysteriously went back on again more letters and they took it off in 2008 ( i have their letter confirming)

additional information

• I am not sure if these are grounds but i do feel that i should not have had it in the first place as my employer gives six months sick pay at full pay and six months at 1/2 pay also my redundancy package is 1.5 x weekly salary for each year served up to 20 years so PPI would i assume have not been needed, i still have a copy of my contract from the time i applied). Had i been "allowed" to cancel when i first got it this would have saved me thousands


• also on the MBNA claim for they ask for other means of payment - i had no real savings would that matter


• as I was in a DMP the debt was eventually sold on and has been passed to numerous DCAs ever since. therefore if successful am i right that MBNA have no claim to the cash?

advice would be appreciated



LLL

PPI reclaim for MBNA CC - grounds for claim?