MBNA, complaint upheald

Jojofine

Hi.

I made a complaint to MBNA over PPI on a Virgin Credit Card, they rejected the complaint however after I went to the FSO their intial assesment is that the complaint should be upheld and MBNA refund me.

I was wondering normally do people get refunded by MBNA within the 14 days or do they "drag their heels"?

Thanks

di3004

Jojofine wrote: »

Hi.

I made a complaint to MBNA over PPI on a Virgin Credit Card, they rejected the complaint however after I went to the FSO their intial assesment is that the complaint should be upheld and MBNA refund me.

I was wondering normally do people get refunded by MBNA within the 14 days or do they "drag their heels"?

Thanks

Hi there and welcome

Well done on your success!

May I ask how long this had taken once you complained to the FOS? this will be a help for others as well in the same positioin, even though I know it can be different for every individual.

I've never had dealings with these (MBNA) myself, but did the FOS state that the business should refund you by 14 days, and if not to recontact them (FOS)?

[Deleted User]

Jojofine wrote: »

I went to the FSO their intial assesment is that the complaint should be upheld and MBNA refund me.

Is this "initial assessment" just what was said on the 'phone to you when you referred your complaint? If so, this isn't any guide to what the actual Ombudsman will decide...

Jojofine

Moneyineptitude wrote: »

Is this "initial assessment" just what was said on the 'phone to you when you referred your complaint? If so, this isn't any guide to what the actual Ombudsman will decide...

Hi thanks for the reply

I perhaps should have been clearer, the FSA has actually written to me saying that they have upheld my complaint and there is a copy of a letter sent to MBNA saying they need to put me back in the financial position as if I had not taken out the ppi.

However they say that MBNA can provide them more information and the decision may change.

So I guess what I am trying to understand is if it is usual for MBNA to concede and pay up?

Jojofine

di3004 wrote: »

Hi there and welcome

Well done on your success!

May I ask how long this had taken once you complained to the FOS? this will be a help for others as well in the same positioin, even though I know it can be different for every individual.

I've never had dealings with these (MBNA) myself, but did the FOS state that the business should refund you by 14 days, and if not to recontact them (FOS)?

Thanks,

It has taken the FOS around 9 months to assess this

And yes they said they should refund me in 14 days. But if MBNA provide more info the decision could change..

Alpine_Star

Moneyineptitude wrote: »

Is this "initial assessment" just what was said on the 'phone to you when you referred your complaint? If so, this isn't any guide to what the actual Ombudsman will decide...

Initial assements are communicated either orally or in writing and their funtion is to provide a ''very good idea of how the ombudsman would be likely to view your case''.

[Deleted User]

Alpine_Star wrote: »

Initial assements are communicated either orally or in writing and their funtion is to provide a ''very good idea of how the ombudsman would be likely to view your case''.

I only asked because some posters have reported being "told by the Ombudsman" that they have a good chance of success only for it to turn out to be a the FOS switchboard who informed them!

[Deleted User]

Jojofine wrote: »

So I guess what I am trying to understand is if it is usual for MBNA to concede and pay up?

Although lenders have the right to appeal against FOS decisions, it's not usual for them to do so.
However, you won't know for sure until the Bank actually write to you agreeing to pay up.

Sunny23_2

Hi, we too have had a claim refused by Virgin/Mbna and are about to refer to FOS. Can I ask what your reasons on your original claim were for? Ours is a pre-ticked box which from what I have read are very common to have been refused on!