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MBNA mis sold PPI

During the second half of 2010, 3,430 complaints regarding MBNA were referred to the Financial Ombudsman Service (FOS) for review. It is not known how many of these related to payment protection claims, but the figure is likely to be significant after the FOS reported an overall uplift of 63% across the sector. Of the complaints regarding MBNA reviewed during the same period 73% found in favour of the customer.

If you believe you have MBNA mis sold PPI you can make a claim for compensation. If you have a policy, but are unsure whether it was mis-sold you may find the information below helpful.

Were you given the full and correct information regarding your policy?
As part of the sales process, your lender should have taken you through information regarding the terms and conditions of your policy including any exemptions. The full costs should also have been made clear. It is important that you received all this information so that you could make an informed decision regarding the cover and whether it was right for you. If you were not given this information or you were given information that proved to be incorrect you may be entitled to make PPI claims.

Were your circumstances correctly assessed?
Not everyone can be covered by PPI and not everyone needs it. Before offering you the cover, the salesperson should have assessed whether it was in your best interests. If you were not in employment, for example, you may not have needed the insurance and if you had a serious pre-existing medical condition you were probably ineligible for cover. If you were sold a policy you didn’t need or couldn’t use this could be deemed mis-selling and you could make a claim.

To start making your MBNA mis sold PPI claim or reclaiming PPI from another lender, call our team today on 0207 471 2000.

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