Claim with FOS

deanofrancisco

Hi any advice will be gratefully recieved
I have a PPI claim ongoing since a year last april with HSBC . Although i had a pre existing medical problem , full sick cover with work , and the actual form had the box with i dont want ppi ticked , but then crossed out and ppi wanted ticked ( as bank manager wouldnt give me the loan without the ppi ) the bank wouldnt admit to a miss sell . The claim has since been with the FOS since last july , and in dec my adjudicator found that i had been missold , but HSBC disagreed with the adjudicator aswell .Since then my claim has been with the FOS checking dept before it goes to the ombudsmann . Has anyone else gone through this route and how long does it normally take to go through checking and then to the ombudsmann . My adjudicator has told me she has no idea how long this will take .
thanks
dean

dunstonh

Has anyone else gone through this route and how long does it normally take to go through checking and then to the ombudsmann .

The ombudsman is taking closer to 2 years at the moment. The ombudsman tend to go into more detail and will look for faults in your complaint as much as looking at faults in the firms response. For example, you say you have full sick cover at work. There is no such thing unless your have permanent health insurance, so the detail will be looked at. The insurer will be asked if they would pay out if you had sick pay that overlapped. Some plans do, some do not. If they do, then it works against you. If they dont, it works for you.