Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • webbscatering
    • By webbscatering 11th Jun 17, 7:14 PM
    • 13Posts
    • 0Thanks
    webbscatering
    PPI Bradford and Bingley
    • #1
    • 11th Jun 17, 7:14 PM
    PPI Bradford and Bingley 11th Jun 17 at 7:14 PM
    I am writing on behalf of my father-in-law who had a "Final Response Letter" issued by Bradford and Bingley Building Society relating to mis-sold PPI. Unfortunately he has been unwell and hospitalised a number of times over the past year which left his referral claim to the FOS unfinished and we can only assume surpassing the 6 month referral period.
    We have have written to Bradford and Bingley on 4/5/17 requesting a copy of the "Final Response Letter" but so far no response, thereby not sure if we have run out of time or not.

    What do we do or have we run out of time, according to CAG they wrote this:
    I don't know what you've been told on MSE, but it's nonsense. You cannot "start the process again" if you have already raised a complaint. If he complained over the telephone then that is just as valid a complaint as a written one and hence they have probably investigated it and issued a final response. What you can do is request a copy of this response and, if you disagree with it, contact fos and see if they will consider the above as special reasons to look at it outside the 6 month time frame.

    ...is this true or some know-all talking nonsense
    Many Thanks

    Webby


    Won Against Natwest 4.5k, LLoyds 13K, Virgin Media £150
Page 1
    • Nearlyold
    • By Nearlyold 11th Jun 17, 7:22 PM
    • 973 Posts
    • 802 Thanks
    Nearlyold
    • #2
    • 11th Jun 17, 7:22 PM
    • #2
    • 11th Jun 17, 7:22 PM
    The CAG advice is correct.
    • webbscatering
    • By webbscatering 11th Jun 17, 7:29 PM
    • 13 Posts
    • 0 Thanks
    webbscatering
    • #3
    • 11th Jun 17, 7:29 PM
    • #3
    • 11th Jun 17, 7:29 PM
    The CAG advice is correct.
    Originally posted by Nearlyold
    not what I wanted to hear but none the less if its true fact then I know where to go with it now, thanks for the reply
    Many Thanks

    Webby


    Won Against Natwest 4.5k, LLoyds 13K, Virgin Media £150
    • dunstonh
    • By dunstonh 11th Jun 17, 7:39 PM
    • 89,606 Posts
    • 56,103 Thanks
    dunstonh
    • #4
    • 11th Jun 17, 7:39 PM
    • #4
    • 11th Jun 17, 7:39 PM
    I don't know what you've been told on MSE, but it's nonsense. You cannot "start the process again" if you have already raised a complaint
    That is correct. Unfortunatly, Martin has perpetuated this myth you can try again. The fact is that you get one bite of the cherry unless significant new information comes to light which could change the decision.

    Complaints can be made using most methods of communication. The firm issues a letter within days confirming the complaint and supplies a letter explaining what happens next as well as giving a FOS leaflet. The rejection letter will state that the FOS can be used and repeats that there is 6 months to refer to them.

    The FOS do allow for the 6 month referral to be overridden in cases of incapacity. However, it has to be real incapacity.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • webbscatering
    • By webbscatering 11th Jun 17, 7:46 PM
    • 13 Posts
    • 0 Thanks
    webbscatering
    • #5
    • 11th Jun 17, 7:46 PM
    • #5
    • 11th Jun 17, 7:46 PM
    That is correct. Unfortunatly, Martin has perpetuated this myth you can try again. The fact is that you get one bite of the cherry unless significant new information comes to light which could change the decision.

    Complaints can be made using most methods of communication. The firm issues a letter within days confirming the complaint and supplies a letter explaining what happens next as well as giving a FOS leaflet. The rejection letter will state that the FOS can be used and repeats that there is 6 months to refer to them.

    The FOS do allow for the 6 month referral to be overridden in cases of incapacity. However, it has to be real incapacity.
    Originally posted by dunstonh
    thanks for clarify this for me. We have written to BB as per usual they are dragging this out longer than it need to nearly 6 weeks to send a copy of the "final Response Letter" is a joke. My father-in-laws incapcity was due to Diabetes and thrombosis of the legs which kept him in hospital and unable to do anything...in your opinion would that be good grounds or just wasting time?
    Many Thanks

    Webby


    Won Against Natwest 4.5k, LLoyds 13K, Virgin Media £150
    • Moneyineptitude
    • By Moneyineptitude 11th Jun 17, 7:56 PM
    • 18,754 Posts
    • 9,999 Thanks
    Moneyineptitude
    • #6
    • 11th Jun 17, 7:56 PM
    • #6
    • 11th Jun 17, 7:56 PM
    We have written to BB as per usual they are dragging this out longer than it need to nearly 6 weeks to send a copy of the "final Response Letter" is a joke.
    Originally posted by webbscatering
    They are not obliged to send you a copy, all they have to do is confirm the date of it precludes you from referring your complaint to the Ombudsman. Why is it a "joke" to wait six weeks?

    My father-in-laws incapcity was due to Diabetes and thrombosis of the legs which kept him in hospital and unable to do anything...in your opinion would that be good grounds or just wasting time?
    Originally posted by webbscatering
    Depends. You say he has been hospitalised a number of times during the last year. However, that doesn't sound like he was in hospital continuously.
    • webbscatering
    • By webbscatering 11th Jun 17, 8:03 PM
    • 13 Posts
    • 0 Thanks
    webbscatering
    • #7
    • 11th Jun 17, 8:03 PM
    • #7
    • 11th Jun 17, 8:03 PM
    They are not obliged to send you a copy, all they have to do is confirm the date of it precludes you from referring your complaint to the Ombudsman. Why is it a "joke" to wait six weeks?


    Depends. You say he has been hospitalised a number of times during the last year. However, that doesn't sound like he was in hospital continuously.
    Originally posted by Moneyineptitude
    thought as much cheers... one last question he did try to claim on this policy and obviously was refused can that merit a complaint or best leave it?
    Many Thanks

    Webby


    Won Against Natwest 4.5k, LLoyds 13K, Virgin Media £150
    • Moneyineptitude
    • By Moneyineptitude 11th Jun 17, 8:38 PM
    • 18,754 Posts
    • 9,999 Thanks
    Moneyineptitude
    • #8
    • 11th Jun 17, 8:38 PM
    • #8
    • 11th Jun 17, 8:38 PM
    thought as much cheers... one last question he did try to claim on this policy and obviously was refused can that merit a complaint or best leave it?
    Originally posted by webbscatering
    As already stated, the mis-selling complaint has already been made. You don't get a second bite of the cherry.
    • -taff
    • By -taff 11th Jun 17, 11:19 PM
    • 7,113 Posts
    • 5,113 Thanks
    -taff
    • #9
    • 11th Jun 17, 11:19 PM
    • #9
    • 11th Jun 17, 11:19 PM
    When you say he tried to claim, do you mean he suffered a claimable event? if so, why 'obviously' refused?

    And repeated hospitilisations may be good enough, ask the FOS, they can only say no.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

59Posts Today

3,878Users online

Martin's Twitter
  • RT @TfLTravelAlerts: Oxford Circus and Bond Street stations now both reopened and all trains are stopping normally.

  • RT @metpoliceuk: We have not located any trace of suspects, evidence of shots fired or casualties. Officers still on scene. If you are in a?

  • My hopes and prayers are that this turns out to be nothing. Stay safe.

  • Follow Martin