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Miaspa 2010

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Everything posted by Miaspa 2010

  1. Well I finally got a final decision.... ...but I didn't because at the last hurdle the FOS removed me from the matter. In my email I got this....... The final decision and accompanying letter and acceptance/rejection forms were actually sent to the Official Receiver instead of you. This is because it’s the Official Receiver’s decision to either accept it or reject the decision. But please see attached a copy of the final decision. If you’d like me to send a postal copy, please let me know and I’ll send a copy to you. I have attached the decision as it
  2. And guess what still no final response.......from the email of my adjudicator yesterday. I’m sorry you haven’t received your final decision in the past few weeks as hoped. I’ve been told the final decision should be finished and sent in the next few days though.
  3. I was promised a final decision in one to two weeks, a week ago..my argument in post 971 was my last roll of the dice!
  4. The latest response, think another email to my long suffering MP. Thanks for your email. I’m sorry its taking as long as it is, I appreciate it’s been quite a while since the provisional decision was issued. It’s not MBNA holding up the decision. The ombudsman is carefully considering everything before coming to his final decision. Thank you for your continued patience, we’ll let you know when we’ve got a further update for you
  5. Still waiting, I got my provisional decision on 29th June, which I replied to by the deadline of 29th July. Today I get this ............. The ombudsman is still considering everything and hasn’t yet come to a final decision. Unfortunately, it’s not for me to say when the final decision may be made as it’s not something I have any control over. Thank you for your continued patience and we’ll be in touch again when we’ve got a further update.
  6. Completely off topic but £350 a corner??? What tyre size is that???
  7. Let say over the lifetime of the card. Spending £7,700 PPI £2,300 Interest £3 000 The ombudsman has used the argument MBNA are refunding 28% of the interest charged, when only 23% of the spending on the card was PPI. So he thinks a refund of £2,300 PPI plus associated interest of £840 is fair. Purely because MBNA are refunding a higher proportion of interest compared to PPI and actual spend. F%*k me if only life was that simple, hold on a minute Mr Smith your life is insured for £100,000 you lost your todger in the accident your claiming compensa
  8. That wasn't my final decision just one I saw when looking, mine is still provisional with all parties to respond by the 29th July. It seems to be the more technical you get with the FOS, the more uptight they get. I'm trying softly, softly, catchy monkey. I have been asked to clarify a couple of points, so might get somewhere. I may just get a similar response to you, who knows but agree with AC ask for an extension so you consider the decision in full.
  9. I'm a bit hesitant to post the provisional decision up at the moment as not sure if its allowed. But here is my response. In reference to your letter of XX/XX/XXXX, I wish the following to be considered before any final decision is made. At both adjudicator and ombudsman level one matter has never been addressed. On both calculations MBNA have omitted the following. The balance of the PPI and associated interest does not receive any statuary interest after MBNA sold the debt to Max Recovery in May 2011. There is no card balance to offset the PPI and associated i
  10. Well I have a provisional decision from the Ombudsman, all my minimums are going, but not the "fulls" and the penalty charges are a no go. On the upside it does give me some ammunition to tackle the "fulls" or the penalty charges but not both. I think I can argue one or the other. It refers to Jonqil Lowe as a University Lecturer.............I have left the decision at home but will to scan it and post it here. I will also email a copy to Jonqil. I have until the 29th July to respond and already drafted a response mentally.
  11. Well as I still hadn't got anywhere with having my ombudsman review I contacted my lovely MP and asked if she could ask Ms Wayman for an update. The response is below: Thank you for your letter of 23 May about your constituent and the complaint with MBNA. I understand we’d advised you that Miaspa 2010’s case was passed to an ombudsman in December 2015. You’d like an update as to where things currently stand as they are yet to receive a decision. Miaspa 2010’s case was passed to an ombudsman in December 2015 but, unfortunately, she went on long term leave due to ill health. A
  12. My last email to my adjudicator my usual monthly request. That’s another month passed and still no update, it’s now two years since you were allocated as the adjudicator on this matter. From correspondence held I have been allocated an ombudsman for the past six months. When are we likely to have this matter resolved. And the response!!!! Thank you for your email. I do appreciate that it’s been a long time that we’ve had your complaint and I really am sorry it’s taking as long as it is. Unfortunately I don’t know h
  13. But isn't it interest in restitution? Therefore Sempra metals applies. The credit card company has made a unjust profit using your PPI payment to loan to other consumers at the prevailing compound rate! You are asking for interest in restitution so no cap applies?
  14. Hi Aspire Same build sheet as me V20 B041. Appears to be have been running May 14 to Oct 14. My offer was May yours Oct. Your revised offer what build was that? Also what are the initials of your adjudicator. My concerns were partially upheld by the adjudicator, and a revised offer received Oct 16 but still has flaws and issues. I've been waiting for an Ombudsman decision since May 15. Lots of M's and F's and the balance never goes negative? You are only receiving interest on the surplus pot? Does that sound familiar?
  15. Not looking good another decision on MBNA. http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=112186
  16. Oh a recent decision relating to MBNA re penalty charges and calculations. http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=111833 PPI running from 2000 to 2005 4k in PPI and 23K refunded including interest.
  17. This decision relates to a matter from January 2016, why are we waiting for so long? http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=112097 In reference to the above poster SAR first get all your facts right from the start!!
  18. I haven't upset my adjudicator he was busy!! Unfortunately I don’t have any further update for you. The ombudsman is carefully looking into everything you and MBNA have sent us to come to a fair decision. We’ll let you know as soon as the ombudsman has reached a decision.
  19. Appears that way my adjudicator won't reply now..........what chance of an ombudsman. All I asked was for an update, maybe asking every month for the past 2 years has finally upset him.
  20. Another month has passed and not heard a been other than my last email has been added to my file. 16th is tomorrow so will be sending my monthly email for an update on Monday. Ombudsman has had the file according to Caroline Wayman since 17th December 2015. Either a thorough review is taking place or its being sweep under the carpet. Looking at recent decisions, I was amazed a complaint about a banking transaction in June 2015, has managed to through the FOS queue, been reviewed by an adjudicator passed to an Ombudsman and a final decision made in January 2016.
  21. You know how it is, the dog wakes you at 3.30am wanting to go outside. You get back into bed, middle child is coughing and you can't get back to sleep. So you lie in bed thinking. Or may be that's just me!!! Anyway I had a thought and emailed this to my adjudicator this morning. I don’t know if it’s too late to submit any other points to the Ombudsman. The point I wish to raise relates to penalty charges, your stand was that the charges have to be looked at only in the month they occurred. My positions was the accumulated balance needs to be looked in regard
  22. Still the same reply Thank you for your email. The ombudsman is still reviewing everything and coming to her decision. As before, unfortunately I don’t know how long it will take the ombudsman to come to her decision. But as soon as we’ve got an update for you, we’ll let you know.
  23. Nothing to report as yet, I've diarised another email for an update on the 16th March. Just a monthly reminder that I still waiting.
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