RBS Royalties & Homeserve

argood

Hi there, I posted this in the Rants bit but I thought it might be more appropriate here as it concerns emergency cover which I believe is classed as a form of home insurance by RBS.

So, I had a problem with my boiler and I used my RBS Royalties Emergency Cover to sort it.
Unfortunately the heating engineers were cowboys and refused to leave my house unless I gave them £200 up front (which I had because it was my birthday). I shouldn't have had to give them anything and now I'm trying to get my money back from RBS/Homeserve because the engineers are refusing.

I've been trying to get my money back since the 23rd of February and it's just utterly ridiculous. I dealt with Homeserve at first and they said they were going to send a cheque which would take up to 21 days. That came and went with no cheque. I then got passed back to RBS and on the 8th of April they said that they would arrange for another cheque from Homeserve, this time it would take up to 28 days.

The 28 days have been and gone and speaking to them today it seems that the last cheque was sent to a different address to mine. How the on earth did they manage that? I confirm my address every time I phone to check on how it's all progressing so how did they only notice today that my address on record is wrong?

So I'm now waiting for Homeserve to make a third attempt at making this payment which will take another 28 days, so we'll be into June by the time I receive the money, if it actually comes.

Honestly, what else can I do to get these people to give me my sodding money back?
I thought about taking it to the Financial Ombudsman since RBS' own complaints procedure has failed, by their own admission.
How have people found the Ombudsman in the past? Do they actually get results?