MBNA-FOS questionaire no response in 8 weeks

[Miaspa 2010]

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.

[ims21]

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.

[Miaspa 2010]

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?

[lookinforinfo]

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.

[citizenB]

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.

[Miaspa 2010]

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.

[ken100464]

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.