A woman from South Shields has successfully managed to have 8.000 written off her MBNA credit card by a judgment at Newcastle-upon-Tyne County Court. The Judge ruled that she was falsely misold PPI (Payment Protection Insurance) when she took out the credit card back in 2002.

Mrs. Thorius was however, unaware that she was also paying thousands in add-on fees on top of her card balance. The credit card balance quickly rose to an astonishing 8,000. The ruling, by judgment at Newcastle-upon-Tyne County Court, understood that Lynne Thorius was falsely misold PPI when she took out the credit card in 2002.

Lender MBNA was trying to sue the mother-of-three, who applied for the card - which was branded Sunderland ASC but financed by MBNA - in July 2002. Lynn had never asked the bank for PPI and had even ticked the ‘no PPI’ box on the credit card form; however the PPI was still added.

Although Lynn was able to pay the bill, her circumstances changed when her full time job changed to part time house, which added to her financial pressures. MBNA began to peruse the debt, calling 3-4 times per day.

Claims management company Cartel Client Review, who successfully defended Lynne, said today that the ruling is a legal first.

‘This is the first time that a judge has ruled on this point and will have a massive impact,’ he said.

‘It was an incredible victory for us, and one we are immensely proud of.’

Mrs Thorius added: ‘It was a horrible time for my family and I’m so glad it’s all over. MBNA treated me appallingly from start to finish. I ticked no on the PPI option but they applied it to my account anyway.

‘Now Lynne has won, the floodgates could open for millions of other people. This is a massive victory.

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