MBNA caused me huge amounts of stress and now apology

Deals_2

They paid bazck the £156 they made me incurr for no reason and offered me £25 for the inconvenience. it put me through so much stress that it affected me being able to make some financial decisions and a range of other things. I wonder whether more can be done. it is now running out of its 0% period . i would have preferred taht they just extended the 0% period to maybe next year or something. Is this something you think they would offer? or i can find a way around things. for me the £25 compensation is a joke http://forums.moneysavingexpert.com/showthread.html?t=1646477

CannyJock

Not much chance of a six figure settlement for the inconvenience I'm afraid. If they've made and paid a compensation offer then that's all they'll volunteer - if you want to pursue them for more then you can always try.

How much more did you think they were liable for and on what grounds?

Deals_2

interest for all of those months and months of waiting whilst they still were charging me!!! i had to write about 3 letters and speak several times on the phone. it still traumatises me to this day as nto the only bank that messed me around

CannyJock wrote: »

Not much chance of a six figure settlement for the inconvenience I'm afraid. If they've made and paid a compensation offer then that's all they'll volunteer - if you want to pursue them for more then you can always try.

How much more did you think they were liable for and on what grounds?

YorkshireBoy

I don't think they'll extend/give you another 0% offer on the back of this.

If you're not happy with the £25, then escalate the complaint to the FOS as is your right. Just be sure that 8 weeks have passed from when you made the formal complaint (you have made a formal complaint?) or they have told you this is their final response.

Deals_2

writing to them - the bank that is - if that is what you are referring to.

YorkshireBoy wrote: »

I don't think they'll extend/give you another 0% offer on the back of this.

If you're not happy with the £25, then escalate the complaint to the FOS as is your right. Just be sure that 8 weeks have passed from when you made the formal complaint (you have made a formal complaint?) or they have told you this is their final response.

YorkshireBoy

When you received the response, did it mention timescales? ie "we'll get back to you in 5 days, response within 4 weeks, if you're not happy after 8 weeks you can go to the FOS"? If yes, then your complaint has been 'formalised'.

If you do go to the FOS, and your complaint is upheld, they'll first and foremost ensure you've been put back in the financial position you were in before the issue(s) arose. Sounds like you have already?...so nothing to gain there?

They'll also award your costs, at £10 per hour (realistically spent on the matter) max. Could the issue have been dealt with in 2.5 hours total? Probably yes? That's the £25 you've already received then.

Anything else you get will come under 'distress and inconvenience'. Look up the guidance on the FOS website for further details and to see if you think you'll get anything.

sharpy2010

Deals wrote: »

interest for all of those months and months of waiting whilst they still were charging me!!! i had to write about 3 letters and speak several times on the phone. it still traumatises me to this day as nto the only bank that messed me around

Look, with respect, writing three letters and speaking several times on the phone hardly constitutes any form of hardship or emotional stress, does it?

You may get a few extra pounds compensation, but it sounds like you want thousands of pounds?

I think you need a reality check. This is planet earth we live on.

Deals_2

and no i never expected thousands of pounds. i had to prove all my points on the phone. this is not the first bank i have had things like this happened!!! well i am glad i am not an elderly person or my ticker pretty healthy as i think in other circumstances this could have done a lot more harm to someone - specially when they denied the whole thing on the phone and said there was no way i was right. a few months back i wrote on here about what can people claim for as compensation when the companies have not dealt with things correctly and i got a range of emails which to tell you the truth where more or less telling me i was stupid. now a few months on we are actually talking about compensation. and sorry to say it represented more than £25 of my time. I think a bit of empathy in life would go a lot way.

sharpy2010 wrote: »

Look, with respect, writing three letters and speaking several times on the phone hardly constitutes any form of hardship or emotional stress, does it?

You may get a few extra pounds compensation, but it sounds like you want thousands of pounds?

I think you need a reality check. This is planet earth we live on.

Deals_2

appreciated.

YorkshireBoy wrote: »

When you received the response, did it mention timescales? ie "we'll get back to you in 5 days, response within 4 weeks, if you're not happy after 8 weeks you can go to the FOS"? If yes, then your complaint has been 'formalised'.

If you do go to the FOS, and your complaint is upheld, they'll first and foremost ensure you've been put back in the financial position you were in before the issue(s) arose. Sounds like you have already?...so nothing to gain there?

They'll also award your costs, at £10 per hour (realistically spent on the matter) max. Could the issue have been dealt with in 2.5 hours total? Probably yes? That's the £25 you've already received then.

Anything else you get will come under 'distress and inconvenience'. Look up the guidance on the FOS website for further details and to see if you think you'll get anything.

~Brock~

Deals wrote: »

I think a bit of empathy in life would go a lot way.

....I would substitute the word 'reality'

I do not mean this to sound as harsh as it probably will, but are you always such an emotional wreck?

Take their offer and get over it. Life's too short.:beer:

ILW

Deals wrote: »

interest for all of those months and months of waiting whilst they still were charging me!!! i had to write about 3 letters and speak several times on the phone. it still traumatises me to this day as nto the only bank that messed me around

That's got to be worth a few grand I would have thought.