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  1. Of course he or she should be; it's not MBNA but the FOS ombudsman that needs to be telling MBNA to bring you back to the status quo
  2. Well I am still waiting too. It has been such an extraordinary long time since my complaint went to my ombudsman:-x I doubt very much as to whether any human is looking at my case. But every three months I receive a template letter; no manual intervention, which says: "...an ombudsman will review your complaint and the points you've made before making a final decision; it can take some time for a case to be reviewed by an ombudsman but I'll continue to keep you updated about your complaint every three months." Answers on a postcard, please. If you all think that this, probably outsourced, FOS ombudsman will agree with my adjudicators opinion and certainly will not investigate the additional points/information that I have raised?!
  3. I have today (27/01/16) received another holding letter; foot dragging... "Dear Grumpy, I’m writing to update you on your complaint against MBNA. Your case is currently waiting to be allocated to an ombudsman to review for a final decision. The points you’ve raised will be considered by an ombudsman before they make his/her final decision. I’m sorry for the length of time it’s taking to resolve your complaint and I appreciate your patience. I’ll continue to keep you updated about your complaint, until it is passed to an ombudsman, but If you have any further queries please get in touch with me. Yours sincerely ...adjudicator (redress) Financial Ombudsman Service
  4. Quite so, Miaspa 2010! Clearly MH did not even re-review my case, as promised, as it only took him 6 working days to fire off his 'my position remains the same' fob off routine email. And then firing off the following letter by snail mail, which has been delivered today. But dated Friday 09 October 2015; the same date as the email. "Dear Grumpy, An ombudsman will review your complaint. Because you did not agree, and ombudsman will review your complaint and make a final decision. If the ombudsman's conclusions are different to mine, they will explain why and let you reply before they give you their decision. We should already have the information the ombudsman needs to reach a decision. But if we need anything more from you, we will let you know. If you have any further points or information you want the ombudsman to consider, please send these to me by 30 October 2015 blah, blah, blah. MH - adjudicator." MH, actually promised to send a more detailed response but now insists that despite my further submissions, he will not change his opinion. Now that to my mind that is closing his ears/eyes to any further argument. And as such is not in keeping with his remit as an FOS adjudicator, which must surely demand that he listens to all arguments and make his judgement after having done so - this is not fair and reasonable impartiality that the FOS professes to exercise... An utter disgrace!
  5. An update on my position. As I thought my FOS adjudicator has not listened nor understood my protestations, as I have just received the following:- "Dear Grumpy I’m writing in response to your letter dated 21 September 2015, and the further information you’ve supplied, which I’ve added to your complaint. I’m sorry for the delay sending you my reply. Following my email on 30 September below, I’ve looked at the letters you’ve sent me and the comments you’ve made in your letter of the 21 September. You’ve said that you feel I’ve been hasty in referring your complaint to an ombudsman. I wanted to explain why I feel this is the most appropriate action on your complaint. I’ve looked at the information you’ve provided but it doesn’t change my opinion of your complaint. And so I feel an ombudsman would be best placed to address your concerns. You’ve asked me to continue my investigation and answer the queries you’ve raised before you give me your final response to my opinion. But since you’ve told me that you disagree with my opinion, the next step you can take is to ask for an ombudsman to review the complaint if you want us to continue looking into the matter. Should the ombudsman consider it necessary for additional responses before issuing his/her final decision, they may choose to make a provisional finding and invite you to give us further comment or information. However, that is down to the ombudsman reviewing the case and it would wrong for me to direct the ombudsman’s investigation. I’ve attached a letter which explains what will happen next. Both yourself and MBNA have 21 days to provide any further information you would like to be considered by the ombudsman. If you think you will need more time, please let me know. Should you have any further queries, please get back in touch with me. Yours sincerely M H - adjudicator (redress) Financial Ombudsman Service"
  6. Due to the fact that I did not accept my FOS adjudicator's initial opinion, my case is being freshly reviewed; I did supply further documentary information as well as requesting that my initial queries be properly answered. So, we will see but don't hold your breath!
  7. I have now responded to the FOS adjudicator's preliminary opinion. So, for now it is sit back and wait but don't hold you breath...
  8. Miaspa2010, My FOS adjudicator made little reference to the Minimum ('M') scenario, seeming to prefer lengthy explanation about the Full ('F') payment scenario. He is unaware, that I hold a large file of papers regarding my MBNA credit card account which provide documentary evidence that I had not consistently made just M payments for over 6 months. But, even if I had not kept my MBNA statements I could quite easily calculate a minimum payment by checking on my Bank statements the repayments made to MBNA for each and every given month; I hold the MBNA T&Cs original and varied too. So, I will of course be writing back to my FOS adjudicator, correcting his mistakes and providing further evidence, in order to overturn his faulty opinion. Not forgetting to alert/complain about his DPA breach...
  9. Well, after much foot dragging and copious excuses I have received the long awaited FOS Adjudicators 'Opinion'. And yes no surprise; complaint not upheld. Miaspa10, suggested we start by naming and shaming these FOS Adjudicators. Therefore, I will kick the ball off by naming & shaming number 1: edited This is not sour grapes as edited is so incompetent that he sent my data sensitive FOS 'opinion' to the wrong address; one that I move from over 1 year ago!!! He did not comprehend or even attempt to explain my concern over the 'M' scenario but went to great length to explain the 'F' scenario. He prattles on about dealing with each claim separately but failed to grasp that there were so many incorrectly flagged 'M' payments, which he should have done. He did make mention of (the ex John Lewis customer complaints department employee:) edited. But of course, as we all know the (MBNA - Mass Complainants) still await the courtesy of edited final response to our Mass Complaint; I do hope that edited does not return to the employment of the John Lewis Group, as I am a good customer and; what would happen if my Kitchen Aid toaster malfunctioned? She would deny me a repair or replacement as she would deny, in her opinion, that it is not broken. So, in a nutshell he does admit that that the FOS have been looking into the fairness of MBNA PPI redress offers. But appears to be more concerned with the question refunding PPI related charges and fees, rather than the problem of reduced interest being refunded. I have all my statements and bank statements... Finally I have been set a deadline by which to accept or decline. So, looks like I will be joining the ever lengthening MBNA queue for an FOS Ombudsman. In the meantime, I do intend to contact the Claims company who was recently mentioned on the BBC Money Box Radio programme as reported by Mr. Mike Robinson, aided by Ms. Jonquil Lowe
  10. 16 August 2013: MBNA final response and logged complaint with FOS same date; 03 February 2014 FOS adjudicator investigating; 06 August 2014 sent of mass complaint letter to FCA, McAusland & Wayman; 13 August 2014 FCA contacting FOS; 19 September 2014 FOS apologise for delay but still looking at calculations; 24 September 2014 FOS still talking to MBNA and looking closely at their calculations; 15 October 2014 FOS state that they do not have the software to enable them to calculate; 29 November 2014 FOS still considering; 02 April 2015 FOS still considering. Thus so far from 16 August 2013 to date 12 July 2015, almost two years!!! And what have they done, nothing!?
  11. How interesting, as I wrote a letter of complaint addressed to both Tony Boorman and Caroline Wayman who asked another FOS individual to respond on their behalf. This individual with the exalted FOS title of, Head of Casework Teams is a Mr. Stephen Dickie. To be frank, I am of the opinion that Mr Dickie does not have a 'dicky bird' about how the true calculations should be done, in order to bring MBNA PPI complainant customers back to the Status quo. Instead of which he started banging on about going to the Independent Assessor - Ms Amerdeep Somal. But, I was not complaining about the level of service that the FOS had provided! My concerns are the same as others here on this thread; PS10/12 Appendix 2; Example 6... Further, I did NOT consistently make minimum payments; payments as marked 'M' on the MBNA spreadsheet. I have not yet been allocated a FOS Adjudicator even after 18 months and many letters to both FOS & FCA. They must be protecting this mammoth US Bank...
  12. Good Morning! Yes - I have not yet been allocated an FOS Adjudicator, even though my complaint has been logged with the FOS for quite some time,: approximately 18 months. Also, it would appear that Ms McAusland has made no link/tie up between individual complaints made and those of us who sent out the mass complaint open letter. I believe that is due to the manner in which their computer system works. I believe that it was designed along the lines of a 'Call Centre' or, 'Call Centres. My MP is useless, the Government sacked him from a junior ministers position and he will not be standing for Parliament in May 2015. But as a sideline, he has just claimed within the region of £1000 for a new computer; nice work is you can get it. However, in May 2015 I will be going to my new MP to complain about MBNA (and Capital One). Hopefully the new MP will be keen to assist?
  13. Good Evening, I have also received a letter from Ms. Vicki McAusland - FOS Lead Adjudicator. Ms. McAusland, apologises for her delay in resonding about MBNA and its credit card payment protection insurance redress... "Since last I wrote to you we have been looking closely at the way MBNA carries out its calculations. We have asked MBNA for more information about its calculations and when we've had responses to ALL our enquiries we should be in a position to respond to your concerns. Its taking longer than we had hoped so thank you for your patience while we look into it...." I do hope that the Financial Ombudsman Service is really 'looking closely', as it would appear that there has been a rather large blunder made recently...! I will leave the matter there for now and continue to wait, patiently.
  14. Good afternoon everybody! Both letters have been printed and now in sealed envelopes ready for posting by Royal Mail Recorded Delivery at approximately 9 a.m. tomorrow morning. Reason for sending by Recorded Delivery: I do not trust anyone within the financial industry. Come on everybody, time to bring this shower to account:mad2:
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