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angry cat

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angry cat last won the day on July 29 2010

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  7. Please be aware that many are still waiting to hear back about their cases from the FOS!
  8. ERR. what about the Money Laundering Regulations, required by HMRC Re; the keeping of 'Account Records'? And, are the FOS really going to ignore legislation that was laid down, prior to FCA PS10/12 rules?
  9. Miaspa, FWIW - our summarised thoughts are that: 1. Miaspa has lost out on his claim for 8% Simple Interest on the Recon. Balance after the account was sold, and I agree with the FOS that the 8% interest on this should have gone to the buyer of the account (presumably the OR); 2. The various M&F payments argued about represent a very small portion of the total claim quantum, and IMHO are equivalent to re-arranging the deck-chairs on the Titanic; 3. I don't think the FOS fully understand how and why the Recon. Balance is calculated or how it should be used, and I believe that this
  10. I had exactly the same with MBNA. My valid PPI claim was successful, after a big struggle and; my claim was also paid directly into my CC account monthy (often late though, resulting in 22 late and over limit penalty charges: 22!) However, MBNA continued to debit the PPI, piled on the ever accruing interest and then they changed my PPI insurer without telling me. This matter has never been fully resolved, as the calculations are so complicated. My claim still remains, but now it is against Lloyds: St Andrews...
  11. Yes, we are all still waiting for theses FOS ombudsmen/women to come to their decisions. But will these long labored over opinions just simply be based on those of the individual FOS adjudicators; FOS adjudicators who did not/do not comprehend?!
  12. An opinion: If the remainder of GS's un-refunded charges were also overlimit fees, and the 're-constructed' or 'notional' account balance owing (ie., after deducting the refunded PPI) was below the limit on each occasion that triggered an overlimit charge (ie., not at the time the charge was made) - then it seems to me that all of these fees should have been refunded. However, if any of these fees were late payment fees, then they would only be reclaimable if the 're-constructed' or 'notional' account balance owing was zero or in credit. It seems very odd that the payout from a succe
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