MBNA ...

At last I got a final decision from the Financial Ombudsman Service in response to my complaint about MBNA trying to stiff me on a refund for flights I lost after Maxjet went busto, which I wrote about in this post.

I can live with FOS being somewhat on the slow side to get things done (it's nearly 15 months since I complained and 6 months since MBNA rejected their first adjudication) when they make great decisions like this.

The ombudsman said MBNA's handling of the matter with regard to, like, you know, the law and stuff was "disappointing", and that they now have to pay me:

- The £1649.48 difference in the cost of the replacement flights with BMI - something I probably wouldn't have realised I was entitled to if they'd just refunded me like they were supposed to.

- Interest on the above at a stunning 8% per year from 31/12/2007 to the date of payment.  Take your time please, it's already about £200.

- Another £200 for the inconvenience.  Although I like to think of this as a fine for being arseholes.

The ruling is binding if I accept it.  Are you kidding me?  I snap call.

Full copy of the FOS letter is below.  Click a page to enlarge.