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  1. I am seeking help on a few points following a calculated PPI award from MBNA. Essentially, I think they are using their own interpretation of “returning to position” in order to be seen to be conforming to FOS guidelines: while not actually really doing so. I am wondering if anyone agrees, or if I am barking up the wrong tree. If anyone is interested in taking a look I will post up a PDF of their “full breakdown” – calculations that seem far removed, I think, from what it should be by using conventional and more widely accepted methods - such as would be the case with other banks and ou
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