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PPI Redress offer received - advise required

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anyone do a favour please...

 

I have a return offer from MBNA obv some £400+ lighter than what i'd roughly done.

 

they've not sent any breakdown yet, that will be asked for on Monday.

 

1, the neighbour in question needs the money

if he accepts it as it stands , can he argue the rest later.

 

2. can someone do a better job with the way I calculated the redress [CIsheet then stat]

 

have all the statements.

 

dx

siteteam


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi Dx.

 

Am sure we can advise.

 

If unsure of the quantum you need that calculation sheet off them. AMN or myself can tell in 1 sec flat if its right or wrong but we need to see it.

 

We have all cashed the cheques but stated it is as part payment of our claim. Then complained again to MBNA been rejected then gone to FOS where we are at now. If your friend has to do this be careful as the 6 months runs from date of redress letter. They will try to timebarr if they dawdle.

 

There was a calculation sheet till summer 2012 that seemed to be about right. We havnt seen a calculation sheet just lately (last 6 months) so unsure if they changed again.

 

We have a handle on what they are doing so cant hide it anymore.

 

Hope this helps. But that MBNA calculation spreadsheet is key.

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thanks ken

 

so at least we can help by getting a new calc sheet for you!!

 

i'll get this moving tomorrow.

 

regards

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Dx

 

Indeed you would help.

 

New claims have gone remarkably quiet so either they have changed again or people are just pleased they settled not thinking something could be wrong.

 

The sheets are starting V20D_ then series of numbers. The latest I have is V20D_BO38. Its called the "PPI redress calculations results".

 

MBNA have to give it to your friend because if they dont FOS will order they do.

 

Good Luck

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ok got the redress calc sheet through

 

sadly they've blanked out the ver number!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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That is the problem calculation.

 

Interesting they don't want us to know the build number anymore.

 

If we are right as per the big thread You have been shortchanged.

 

I would reject it and ask for a ps10/12 exp 6 compliant calculation as they are not following fos guidance at all.

 

What they are trying to apply is guidance meant for if the consumer always paid full or consistently paid minimums.

 

The f and m in the middle of that spreadsheet indicate when they declare that event happening.

 

But that is not always a full or consistently a minimum on the way that account was operated. They are occasional events and the fact both occur in the same account makes a mockery of the English language used in the fos guidance.

 

Am sure u will.be rejected and they will use a timeline of when the cheque was sent as the timeline for your 6months.

 

So I would if it were me write back asking for a compliant calculation but prepare your case for fos who are looking at this very thing right now..

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thank you

 

and glad [not!] to be able to help

 

they re starting to be cagey!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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