MBNA Limited

Financial Ombudsman decision DRN2830779 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Sep 14deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Product mis-sold

In the Ombudsman’s words

I do appreciate that it was confusing that the debt was assigned by three debt collecting agencies... I do also see that the last letter Mr H received from Agency 3 refers to a nil balance on his debt... I note Mr H’s point that he wouldn’t have gone through the last three years of stress if MBNA hadn’t made a fraudulent PPI sale. But our Service hasn’t investigated the mis-selling of the PPI (or whether the PPI contract was legally binding) because MBNA has already refunded Mr H in full for it without our involvement – so I can’t make any final decision about it.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2830779.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.