119 views and no one knows?

I currently have two complaints with the FOS, both have been upheld and we're at the arguing about redress stage. On both I have asked for bank charges, etc to be returned if they were incurred as a result of being without the PPI monies. I should add the bank charges could be a significant amount. On the first loan ppi, the adjudicator found against me, that the bank's offer of ppi repayments plus 8% interest was fair. I have appealed this decision to the ombudsman proper. They state that the all charges on the LOAN account have been returned, whereas I argue that the money to pay the PPI was originating in my current account and thus it should be IT that is restructured rather than the loan account, with the repayment of charges, etc. Similarly on the second mortgage ppi (this time the payments were directly taken from my current account). the (different)adjudicator has asked me for my expectations with regard to redress. I stated the same, that since the payments were taken directly from my current account, I expected it to be restructured with the return of any charges incurred as a result of being without the PPI monies, etc etc. to which she replied " I will let be taking the information you have sent me into consideration as I investigate your complaint. I will need to look into what you have told me about your current account. This is not something that is generally considered when refunds are calculated. You say in your email that this would be “as per [our] guidelines” but this would not be covered by our standard guidelines to businesses. We would need to see an exceptionally clear link between the sale of the PPI policy in question, and the fees and charges on the account, to say that the business should consider these costs. I will need to consider the specific circumstances of your complaint to see if that would apply here. I will let you know if I need any further information. I do not know at this time how long my investigation will take but I will keep you updated." What are people's general thoughts/experiences with the FOS with regard to charges incurred as a result of being without PPI monies? Are people generally getting them or not?