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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

arniebear

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Everything posted by arniebear

  1. arniebear
    Latest update. I spoke to fos and they said that by accepting the offer we would not have to accept the figures if we did not think it was right but it would mean MBNA would calculate the figures. The letter finally arrived from MBNA offering PPI Premiums £2383.57 Assoiciated Interest £1738.90 8% gross Interest £ 886.52 (of which £177.30 sent to HMRC) Although I did SAR MBNA I only recieved computer print outs so I was unable to do a complete recalculation but I have used the FoSCIS sheet v101 this gives me figures of £2352.02 Premiums ££6,767.63 interest So there is somewhat of a difference, I have sent a letter to MBNA asking for a full breakdown of how they get their figures I know from other threads that they are manipulating figures to suit their needs Any advice
  2. arniebear
    Update from the FOS. MBNA have agreed to make an offer as a gesture of goodwill and with no admission of liability to settle this complaint !!! If the offer is accepted it will be calculated based on the general approach the FOS takes when they decide PPI has been mis sold and MBNA will calculate the exact amount if we decide to accept the offer. Is this the norm to accept an offer even when we have no idea what it is ?
  3. arniebear
    Thanks I'll have a look
  4. arniebear
    An update .... we went to the FOS and they have upheld our complaint so we are now waiting to see what MBNA come back with. Does any one have experience of this? Do they generally settle or do the still fight?
  5. arniebear
    Thanks Ims, I Guess from that I had better cash my cheque then
  6. arniebear
    Mmmmm Thanks Guys. I time to relook at my SAR paperwork!!
  7. arniebear
    [ATTACH]38730[/ATTACH] I have attached pdf of spreadsheet putting in their figures. If this is right maybe I should cash my cheque now
  8. arniebear
    If I've got in right it looks like they have calculates the refund of premiums and then reconstructed the account without the PPI and added the difference between the new closing balance and the old one
  9. arniebear
    Yes I believe it was
  10. arniebear
    My Letter States I am writing to further to your correspondence outlining your concerns regarding the Payment Protection Insurance on the above account. I can confirm that your concerns have already been addressed under ref ******3 and a final response was sent to you on 20 August 2012 outlining our findings. As Requested I enclose a copy of the breakdown calculation we have used to calculate your refund for your information Please be informed that the above reference will now be closed and no further correspondence will be sent Yours Sincerley Rachel Nixon Customer Advocate Office Manager
  11. arniebear
    It will have to be done by telephone as their last letter stated they would no longer respond to any letter But it might be quicker than waiting for them to reply by post
  12. arniebear
    Interesting !! You seem to be having the same problem
  13. arniebear
    That would make sense to me. I need to be able to work out what they should of paid so that when I tackle them I sound like I know what I'm on about
  14. arniebear
    Just wrote to them thanking for the cheque but could I have a breakdown 10 weeks later so a mad rush as always
  15. arniebear
    That was my thinking too but I can't work out where to start. So I can get it clear in my head before I argue with them down the phone as they have told me they will not send any further correspondence. Can anyone give me an idea where to start
  16. arniebear
    Ims your brilliant
  17. arniebear
    I hope this works
  18. arniebear
    Well I finally got my breakdown from MBNA with a polite "we will not discuss this matter further". I am trying to work out if their figures are correct as they have a surplus redress figure of £362.32 on this sheet but the PPI premium is £241.82 and 8% interest is £266.79 it soesn't make any sense to me. Can someone explain how I upload them onto here. I have converted them to a pdf but not sure what to do next
  19. arniebear
    Thats what I thought and as I never cleared my balance I'm confused as to how they could come up with a figure of just £20.50 for this when each months PPI payment was approx £20 and my card interest was about 18.9% ?
  20. arniebear
    Can you just clarify this so I can get it straight in my head. Is the associated interest the amount of interest I paid to them on the PPI balance @ the interest rate on my card?
  21. arniebear
    A quick update came home today to find a cheque from MBNA so do I bank it or wait till they have answered my request for a breakdown?
  22. arniebear
    Thank you
  23. arniebear
    yes the pre ticked was virgin cc which is now part of MBNA. We finally got the agreement back with the standard rejection letter but you would need xray vision to read it as it is soooo small.. A tatic I feel Grrr. This account is my husbands The other MBNA with they have agreed to is mine which started off life as an Aol card but I knew it was too good to be true when they rolled over and said yes
  24. arniebear
    No sadly that has now gone off to the fos for the long wait
  25. arniebear
    Hi this settlement part is from my MBNA claim but the other part is my husbands claim which is why I started another thread

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