MBNI PPI Claim upheld Now What !!

[Peterbard]

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 ?

[BRIGADIER2JCS]

Complaint to mbna.

[Peterbard]

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.

[ims21]

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.

[Peterbard]

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

[ims21]

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.

[Peterbard]

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 December 3, 2012 by Dodgeball

[ims21]

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.

[Peterbard]

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.

[Nathan003]

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

[Peterbard]

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 December 9, 2012 by Dodgeball

[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.

[ken100464]

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.

[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

[Old Cogger]

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????

[BRIGADIER2JCS]

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.