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    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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Landy_alert v MBNA PPI **WON**


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Hi everyone:)

 

Just updating this thread -

 

Mr Landy back from his hols and acceptance form faxed to FOS. The FOS telephoned him and confirmed it will now be settled asap - 6 weeks being the time previously mentioned by them.

 

Just wondering though, if the refund is paid straight into the account, what about the £100 compensation - does Mr Landy get that back in the form of a cheque, do you think, or will that also go into the account? If so that seems a little unfair:(

 

Any opinions would be appreciated as always - thanks guys!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi everyone:)

 

Just another update -

 

Mr L has received his PPI refund in the form of a cheque from MBNA, but the amount is far lower than I had calculated - they have refunded the PPI premiums plus around only £30 in interest (as well as the £100 compensation as per the FOS's instructions).

 

As I understand it, the FOS recommend that the account is to be put back into the position it would have been if the PPI had never been applied, which in this case means there should be interest added at the contractual rate of nearly 25%. This would give a figure for the interest of approx £650 not the £30 they have paid:eek:

 

Furthermore the FOS says there should be 8% stat interest on top.

 

When we previously asked the FOS to confirm the amount Mr L would be getting from MBNA before he signed the acceptance form, they told us that signing the form only signified that he was happy with the manner in which MBNA proped to settle the dispute. They said if he received the refund and was not satisfied that it was correct, he should contact MBNA and ask them to explain their calculations. If, having done that, they do not satisfy our concerns we should write again to the FOS.

 

What I need to know is whether we accept the cheque as partial settlement only, telling MBNA this and asking for the remainder, and if in the meantime we should bank the cheque or not?

 

In their letter, MBNA say that Mr L has accepted this offer by signing the acceptance form. They also say that as they have complied with the offer, the complaint is now closed and settled - yet the FOS led us to believe we could still query it once received:eek:

 

Any advice would be most helpful, thank you!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi everyone:)

 

Apologies for bumping this again so quickly, but I really need some advice as to whether we should go ahead and bank this cheque whilst writing to MBNA telling them we accept it as partial settlement only..........or keep hold of it until we receive a reply?

 

Mr L wants to bank it asap to pay some bills etc, but as it's half what we should have received I don't want to jeopardise receiving the remainder:confused:

 

Many thanks,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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i got the bump ouch !!! i will reply to this one after dinner ok PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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i got the bump ouch !!! i will reply to this one after dinner ok PF

 

 

Thank you Sir! You watch out now;)

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Right firstly I can appreciate you wanting to bank it to pay bills.

 

But knowing how MBNA works if you do that is considered by them as final.

 

How long ago did you send them the letter ?

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Hi PF:)

 

Thank you for taking a look for me.

 

This one has been with the FOS. We first approached MBNA in March 2009. They denied the mis-selling and after receiving their final response we passed it to the FOS in April.

 

The FOS ruled in our favour in June and sent us their acceptance form. They said MBNA hadn't stipulated how much we would get, but the FOS way is premiums plus interest charged plus 8% - I took this to mean contractual (24.84% in this case) plus 8%. We would also get £100 compensation.

 

We tried to get the FOS to tie MBNA down to a figure, but they said as long as we agreed in principle, to sign the acceptance form and we could always query the amount later.

 

Now MBNA have sent a cheque for the actual premiums paid (£600+) plus £30 odd pounds interest and £100 compensation.

 

Their accompanying letter states -

 

'I have arranged a refund of the PPI premiums charged to your credit card account in accordance with the refund guidelines set out by the FOS. You have accepted this offer by signing the acceptance form........as we have now complied with the offer, the complaint is now closed and settled.'

 

As there is still a balance owed on the card (account now owned by a DCA) they say we are still responsible for repaying this - obviously.

 

Mr L wants to bank the cheque as we could do with the money, but I'm wary like yourself:eek:

 

What do you suggest please?

 

Many thanks,

 

Landy x

Edited by landy_alert
Typos!!!

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Right ill go to the FOS page that stipulates how redress should be paid. ill post the link here.

 

Then send that it MBNA along with a covering letter stating that as you can see from the FOS print outs this is how redress should be paid and what you are offering does not return me to the position i should be in.

 

Ill be back with the link in a while

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Right here is one for a credit card it clearly states any interest and or charges should be returned.

 

To that end, I require the firm to:

(A) reconstruct Mr D’s credit card account, by removing any premiums in respect of the PPI and any interest or charges in respect of those premiums;

(B) if that produces a credit balance for any period, to credit interest on that balance for that period at 8% simple per year; and

© send Mr D a statement showing the resulting balance on the account (with details of how it was calculated).

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/omb-decision-D.pdf

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Here is another:

 

(A) reconstruct Mr E’s credit card account by removing any premiums in relation to the PPI, and any interest or charges in relation to those premiums;

(B) if that produces a credit balance for any period, credit interest on that balance for that period at 8% simple per year; and

© send Mr E a statement showing the resulting balance on the account (with details of how it was calculated).

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/omb-decision-E.pdf

 

Have a read though those two and send a copy of one to MBNA

 

PF

  • Haha 1

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Share on other sites

Thank you PF - you're a star as always:D

 

What about the cheque itself though - are you still of the opinion that we shouldn't bank it?

 

Poor Mr L has been working all month with no income as he gave up his internet business to take this job. He gets paid on friday but most of that will be swallowed up in bills we haven't been able to pay all this month - he desperately wants to get this cheque in the bank and I need to come up with some really good reasons why we shouldn't pay it in:eek:

 

Like you I don't trust MBNA as far as I can throw them, but it seems to Mr L that although I'm finally seeing some successes from my endeavours, we're not actually getting the benefit of the money.

 

Will await your advice, oh wise one!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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So you send a letter to MBNA stating that what you have offered does not return you to the position you should be in due to the contractual interest you have charged me and the FOS PRINTOUTS clearly shows what is a fair redress

 

simple

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Share on other sites

Well you could bank it and return the acceptance form back to MBNA clearly stating this is accepted as part payment for the following reasons then enclose with that the covering letter and FOS PRINTOUTS.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Share on other sites

Also include in the covering letter the amount that is still outstanding in bold lettering.

 

Spell it out for them

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Share on other sites

Does that all make sense Landy ?

 

By sending the print outs i gave you you are proving that they are wrong.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Share on other sites

Hi PF:)

 

Thank you for finding those examples for me and for setting out what I should do - I will do as you suggest as it makes perfect sense.

 

If Mr L is still adamant that he wants to bank the cheque I will make sure we follow your advice to the letter.

 

Will keep you updated of course - thank you for taking up so much of your time with my issues over the last couple of days - I just hope you get your big payout very soon as you thoroughly deserve it!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Link to post
Share on other sites

Thank You Landy I must admit i could really do with that chq now.

 

I did phone the FOS again but got put threw to someone who was not dealing with my case and again all they said was it is being dealt with and you should here soon.

 

I did say that I do not understand why it has already taken a year because surely they have already admitted they where wrong by making a half baked offer so this case is only to establish the correct redress.

 

Anyway do not worry i will keep at them so long as i get the money in time for xmas i will be happy.

 

You take care

 

Regards

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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And everyone here will be very happy for you too PF - you're certainly the PPI forum hero:D

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Landy I am merely carrying out Alanalana and Maroondevo52 instuctions and covering the PPI forum while Alanalana is away on holiday but i will still of course be here when he returns this week as its Alanalana that calls for my help with interest calculations lol;)

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Hi everyone:)

 

I have another question if you don't mind - it's not totally PPI related but concerns the repayment of the balance due on this account.

 

All the while the dispute over the mis-sold PPI has been going on, the DCA who now owns this account has been chasing Mr L for the outstanding balance. We have repeatedly informed them that the account is in dispute.

 

Their latest letter finally agrees that the account is on hold until they have referred back to MBNA regarding the PPI issue.

 

As the PPI has now been (partially) refunded I am worried that the DCA will start chasing again for the outstanding balance, particularly as MBNA are of the opinion that they have fulfilled their obligations and the matter is now concluded.

 

I have two queries -

 

1) Should we contact the DCA and say that the matter has still not been resolved to our satisfaction (re: MBNA only paying a fraction of the PPI and interest back) and that until we have received the full refund we still consider the account to be in dispute?

 

2) This account was the subject of a dodgy default notice - only 13 days were allowed for service - although unfortunately we don't have the envelope:eek: - and I believe charges were included in the arrears figure quoted. Should we be looking at trying to get a reduced settlement figure - disputing the balance due?

 

Apologies that these questions are not totally PPI related - I will try raising the same points on my old MBNA thread in the relevant forum as well.

 

Any advice would be gratefully received, thank you!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi everyone:)

 

I have another question if you don't mind - it's not totally PPI related but concerns the repayment of the balance due on this account.

 

All the while the dispute over the mis-sold PPI has been going on, the DCA who now owns this account has been chasing Mr L for the outstanding balance. We have repeatedly informed them that the account is in dispute.

 

Their latest letter finally agrees that the account is on hold until they have referred back to MBNA regarding the PPI issue.

 

As the PPI has now been (partially) refunded I am worried that the DCA will start chasing again for the outstanding balance, particularly as MBNA are of the opinion that they have fulfilled their obligations and the matter is now concluded.

 

I have two queries -

 

1) Should we contact the DCA and say that the matter has still not been resolved to our satisfaction (re: MBNA only paying a fraction of the PPI and interest back) and that until we have received the full refund we still consider the account to be in dispute?

 

2) This account was the subject of a dodgy default notice - only 13 days were allowed for service - although unfortunately we don't have the envelope:eek: - and I believe charges were included in the arrears figure quoted. Should we be looking at trying to get a reduced settlement figure - disputing the balance due?

 

Apologies that these questions are not totally PPI related - I will try raising the same points on my old MBNA thread in the relevant forum as well.

 

Any advice would be gratefully received, thank you!

 

Regards,

 

Landy x

 

Go for option 1: at the present. If the problem you had has still not been satisfactorily resolved then it is still in dispute.

 

Have you obtained a Subject Access Request ?. This might throw some light on the Default Notice, I think if you scout round the MBNA forums you will see that they routinely send their DNs out using UK Mail service which even if they use the "1st class" option, still takes 3 days to deliver (according to UK Mail's own website) so therefore can be considered a 2nd class mailing.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Hi citB:)

 

Thanks for your advice - it's most appreciated!

 

We did send off for a SAR many months ago but when they asked for passport/driving licence as proof of ID we never followed it up - now we know all about how to sign without letting them lift your sig we should really give it another go - in fact will get onto that this week!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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if they send mail to your address that should be prove enough if it is not id be asking the question why they they are sending your mail there

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Share on other sites
if they send mail to your address that should be prove enough if it is not id be asking the question why they they are sending your mail there

 

Hi PF:)

 

Hope you're having a good bank holiday!

 

That's true - not only that but they're also quite happy to be sending out a cheque for hundreds of pounds to this address in the way of the PPI refund.

 

I'll definitely redo the SAR this week and see what excuses they come up with this time!

 

By the way, forgot to add - we've sent a letter accepting the refund in part settlement only, enclosing the FOS printout and copies of the letters sent from FOS explaining how redress is calculated and should be repaid.

 

Regards,

 

Landy x

Edited by landy_alert
Added something!

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Share on other sites
By the way, forgot to add - we've sent a letter accepting the refund in part settlement only, enclosing the FOS printout and copies of the letters sent from FOS explaining how redress is calculated and should be repaid.

 

Did you send this to bank or FOS if it was the bank i would also copy it to the FOS with a covering letter.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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