Jump to content


MBNA-FOS questionaire no response in 8 weeks


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3327 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

HI

 

Quick question my eight weeks are up since submitting my questionaire, the last letter I had stated I would have a reply by the 6th September, nothing has come through do I put this to the FOS now? Or give them a couple of extra days. I phoned today and they could give me no indication when they would respond.

Link to post
Share on other sites

If the 8 weeks has expired and the issue has not been resolved then you can refer to fos. That will then cost them an £850 case fee.

 

You could write to them and say that as they appear to have flouted the regulator's time scales for dealing with PPI complaints you have lodged your formal complaint with fos.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

They have had 8 weeks already and to have told you that they still don't know when they will respond is insulting since they do not seem to care about your situation and possibly

hoping you will give up. Complain to the FOS telling them what MBNA said to you and then write to MBNA telling them that their indifference has led you to make the complaint

as per IMS21 post.

Link to post
Share on other sites

Thanks for the speedy response, can I write to them requesting a response by a set date if none is received I will then pass matter to the FOS as they flouted the regulators time scale?

 

Yes, it is you who should be controlling the time line.. However, they have said they will respond by a certain date. By all means give them until say Monday - rest assured any response will be sent by UK Mail (slower than snail mail). But then IMHO, I would start copying the information for a complaint to the FOS soon after the postman had been on Monday next. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 3 months later...

Well this has been sent to the FOS in the meantime I received my SAR request back, original application PPI box ticked no. on 29.11.1999. PPI was applied from the start of the card, no copy statements just a list of all transactions. Rebuilt the statements in excel removed all penalty charges for being over the limit when account wasn't on restated balance. Plus late payment when restated balance was a credit. I used my own spreadsheet as I wanted to apply the actual interst rate started at 17.9% when up to 29.9%. Are older penalty charges only reclaimable over six years which I can't knock out even with the restated balance?

 

The only question I have is the balance was cleared twice, do I have to stop the interest in restitution at this point? PPi continues after both dates?

 

Thanks in advance.

Link to post
Share on other sites

Have a read of interpretative calculations in the MBNA section. Bout 8 threads down. You are starting to realise MBNA are at shafting people again. FSA and FOS state return the customer back to where they would be if the PPI had not been sold.

 

If the recalculated balance is below the limit and you have overlimits one would think they should be returned with interest.

 

PS you will be wonderfully happy to know that if you are disputing the calculations you will find FOS will expect you to have made another complaint to the banksters and wait another 8 weeks or get a go to FOS letter. They are treating upholds and wrong calculations as seperate complaints and will not budge.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...