Jump to content


Dodgeball

MBNI PPI Claim upheld Now What !!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2500 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

We had our complaint upheld by the FOS las April and MBNA were given until June to respond, the ignored the deadline, since then the FOS have given several other "deadlines" the last being today stil no response.

 

I have just gotten off the phone with the FOS and they are unable to tell me when they will take action or even if they will enforce their decision.

 

Are there any others in the same position ?


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Share this post


Link to post
Share on other sites

Complaint to mbna.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Thanks Brigadier

 

We have complained to MBNA on five different occasions, they either say that they will get back to us and don't or refer us to the FOS.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Share this post


Link to post
Share on other sites

Now that you have the fos decision in your favour (all in writing I assume), you could send MBNA a Letter Before Action and force them to pay through the courts.


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

 

Share this post


Link to post
Share on other sites

Yes that was my thought also IMS, the thing is i could have done that in the first place and saved waiting nearly twelve months for the decision to be made.

 

I would have thought that the FOS would have been able to enforce their decisions, anyway I thought I would see if there was anyone else in the same boat first and perhaps make joint complaint


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Share this post


Link to post
Share on other sites
Yes that was my thought also IMS, the thing is i could have done that in the first place and saved waiting nearly twelve months for the decision to be made.

 

One thing that puts people off court for the first stages is that the onus of proof of mis-selling will be on them as the claimant and that isn't always easy.

 

The thing fos has going for it is that it is free but the other side of the coin is that they are so slow.


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

 

Share this post


Link to post
Share on other sites

Stagnant

 

I thought that once I had the decision it would be plain sailing , but it seems not.

 

I tried to get some kind of commitment from them as to when they would eventually enforce their findings if the creditor did not comply. She did say that they have statutory powers but she would not commit herself as to when they would employ them.

 

MBNA have now had six deadlines on this account and ignored them all. Maddening

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Share this post


Link to post
Share on other sites

Sorry I hope you didn't misunderstand me. When I said "in the first stages" I meant just going straight to court for a PPI mis-selling claim.

 

If you have a decision by fos in your favour then the court process should be easier since a statutory body has found in your favour and all you are suing for is the release of the money.


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

 

Share this post


Link to post
Share on other sites
Sorry I hope you didn't misunderstand me. When I said "in the first stages" I meant just going straight to court for a PPI mis-selling claim.

 

If you have a decision by fos in your favour then the court process should be easier since a statutory body has found in your favour and all you are suing for is the release of the money.

 

Yes I can see that this is what I will end up doing , it just seems to me that I should not have to.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Share this post


Link to post
Share on other sites

hi i have the same problem fos gave mbna deadline of 7/12/12 on an upheld claim but on contacting fos yesterday to see if they had heard anything they replied that they would give mbna an extra 10-14 days to reply as mbna are "so busy responding to claims", this has been going on for 6 months now

Share this post


Link to post
Share on other sites

HI Nathan

 

I have seen a couple more on other forums in the same predicament.

 

I propose that we direct them here with a view to raising the issue with the various authorities, and if necessary the media.

 

Would you be interested ? Any thoughts?

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Share this post


Link to post
Share on other sites
Guest Another Spartacus

I'm another one waiting.

 

My claim was upheld and MBNA had untill 6 December to respond etc.,

 

I'm still waiting to here from FOS

 

Looks like I will be waiting a long time then.

Share this post


Link to post
Share on other sites

MBNA need taking to task on all this they are acting as if they can do as they please.

 

Check the calculations thread on here and be very very aware that they will attempt to stiff you on the payout too. So just getting the uphold is nothing like the end of it for you I am afraid.

 

If you like Maths you will after a while get your head around what they are up to.

Share this post


Link to post
Share on other sites
Guest Another Spartacus

I've only been able to calculate mine back to 2005 though the credit card was opened in 1997.

 

I Sar'd MBNA last year but only got 6 years of statement information.

 

Anyone else had this problem with them please

Share this post


Link to post
Share on other sites

problem is they are allowed now to cease after the 6 years it seems, another one where the government bends over backwards for the Banks etc but if you query 9 year old payout what happens????


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

Records are kept for 6 years AFTER an account is closed, but if this is 3rd party specialist insurer there may be data available from them.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...