MBNA refusing 10 x £12 chg shall I go straight to Ombudsman as they suggest ?

Moneygrabber

Hi

I have just re-read rejection letter from Virgin CC (Mbna). They sent long letter refusing to pay charges of £12 and end the letter "if I am dissatisfied I can refer to Financial Ombudsman" and have put FO's address.

Shall I just go ahead and refer to FO or send second template letter to them?

Thanks all

the_insider

Once they have issued you with the final response (which seems to be the letter you have received) they won't look into it again. Go straight to FOS and they will take it from there for you.

Premier_2

Whatever happened to the term 'deadlock'?

There certainly once was a time that the FOS actively looked for this term in the letter to confirm it was the financial institution's final response, and without which the FOS wouldn't normally look into a complaint (unless the 8 week time limit had expired)

the_insider

Does the letter say something along the lines of "you may consider this our final response on the matter" or "we will not investigate the matter further"?

jdx

the_insider wrote: »

Once they have issued you with the final response (which seems to be the letter you have received) they won't look into it again. Go straight to FOS and they will take it from there for you.

Sorry to disagree t_i but I disagree. I would suggest sending out the second letter.

I disregarded MBNA's many (3 I think) letters stating their final response where they refused to pay. The end result, I ended up with the full refund. And it had nothing to do with being lucky. Just being persistent. I also helped a another get a full refund after months of 'investigations' and 'looking into the complaint' letters.

Stick with it. They do pay out.

dec22

I also sent a second letter after their initial rejection letter. I was only reclaiming about £450 incl 8% statutory interest. In response to my second letter they refunded late payment/overlimit fees, 8 % interest as well as contractual interest which cleared my balance and left me with a small credit which was refunded.

It is worth a try and if no success after your second letter then go to the FOS.

Good luck!!

Moneygrabber

the_insider wrote: »

Does the letter say something along the lines of "you may consider this our final response on the matter" or "we will not investigate the matter further"?

Hi,

The letter in last para says "We trust that this response has satisfied your complaint (no lol), if however, you remain dissatisfied - please write to us within 8 weeks. If we dont hear from you within this time, we will consider the matter resolved. If complaint continues, you can ultimately refer to FO."

I'll send second template letter and see what happens

Many thanks

Moneygrabber

Thanks all,

Will send second template letter.

x

davidgmmafan

That's not a final response, I'd probably point out though that it is a little vague. When I read the title I thought they were taking the Halifax approach to complaints about thier new charging structed - send customers straight to ombudsmen.

You have a good old-fashioned fob off letter and should treat it as such

the_insider

The part that says if you're not satisfied you should get back to them pretty much answers your question doesn't it?

Send the second letter and let us know what happens.