I put a PPI claim into MBNA, they have just replied saying that as I was declared Bankrupt I am ineligible to claim.
I was not declared Bankrupt I was in an I.V.A. Completion certificate received 2 tears ago. I also have a letter of no interest in any claims from the I.P.
Also MBNA sold the debt on to Max Recovery.
What are my options on the next step?
Challenge them as you have mentioned above saying that, if they do not agree, you will go to the Ombudsman for a ruling. Although the Ombudsman has no jurisdiction over IVA's I would deem this a PPI matter, over which they do have jurisdiction.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
I agree with Foggy, it's not often we get to see the rewards of anything after being in an IVA, so for the price of a stamp or 10 mins to compose an email I would feel that was good reward for my troubles. The Banks did us no favours prior to our IVA, so go for it. Good luck and let us know how you get on as I am a nosey get and would love to see a member get one over on a bank for a change.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues