Hi All,
Firstly, I used my MBNA credit card to pay £500 for two landbanking plots back in 2004. The plots were bought from two separate companies, which now no longer exist. One was closed by the FSA for unauthorised collective investment, and there was misrepresentation. Another party successfully got his claim accepted by the HBOS (£approx £22,000 paid out), and the other company was investigated, and factual evidence presented to the court to wind the company up on grounds of multiple misrepresentation.
I started my claim with MBNA back in September 2009, and the FOS final decision took place on the 12th May 2011, after I received a letter dated 3rd of May saying my file was in the queue for the FOS decision, which had numerous factual errors in it.
I need to know how the other party had a credit card company who interpreted the national law differently than MBNA and the FOS, as I cannot give up. If the other person was paid out so should i have been if the terms and conditions were identical. Different companies should not interpret the law the way they want to, and MBNA, from research, doesn't appear to be a very good 'customer care' company.
Any advice on what to do now, as the plots were purchased in 2004...is it too late to go to court and if so can anyone suggest what route to take now?
Thanks for reading this...I feel very boring due to going on about this!
Regards,
Gillybobs
Firstly, I used my MBNA credit card to pay £500 for two landbanking plots back in 2004. The plots were bought from two separate companies, which now no longer exist. One was closed by the FSA for unauthorised collective investment, and there was misrepresentation. Another party successfully got his claim accepted by the HBOS (£approx £22,000 paid out), and the other company was investigated, and factual evidence presented to the court to wind the company up on grounds of multiple misrepresentation.
I started my claim with MBNA back in September 2009, and the FOS final decision took place on the 12th May 2011, after I received a letter dated 3rd of May saying my file was in the queue for the FOS decision, which had numerous factual errors in it.
I need to know how the other party had a credit card company who interpreted the national law differently than MBNA and the FOS, as I cannot give up. If the other person was paid out so should i have been if the terms and conditions were identical. Different companies should not interpret the law the way they want to, and MBNA, from research, doesn't appear to be a very good 'customer care' company.
Any advice on what to do now, as the plots were purchased in 2004...is it too late to go to court and if so can anyone suggest what route to take now?
Thanks for reading this...I feel very boring due to going on about this!
Regards,
Gillybobs
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