Reclaim letter ignored

bodjen0611

Hi,

just over a year ago i tried to reclaim PPI from Anglian Windows. They looked into it and rejected my claim and told me I could write to the ombudsman. I didn't take it any further. I thought I'd try again and i realise there's a 6 month time limit so I wrote to them asking them to reconsider but they have ignored my letter. If I got a letter rejecting me again I was going to then write to the Ombudsman but where do i go from here? Thanks ronnie

[Deleted User]

You only get one bite of the cherry. Your second attempt at complaint was a waste of time and your right to approach the Ombudsman has long since expired.

bodjen0611

Hi, thanks for the prompt reply.

the PPI FAQ on here says:

"If that happened to you, you just need to start a fresh complaint at the bank. Then if it rejects you again, you can go to the Ombudsman. Do note it won't necessarily look at them all - it's said it'll do this on a case-by-case basis."

Ronnie

[Deleted User]

As I said, you only get one bite of the cherry. Read the advice article again.

Blinkin73

Hi McBride-r,

Its not entirely true that you only get one bite of the cherry. Many people have had success with starting a fresh complaint as if they had never made a previous complaint ie without referring to the original complaint.

If you have new information in respect of a complaint you can also got the case reassessed but I'm not entirely sure how "new information " is defined by banks. I'm trying t find that out at present. If you've go the time and patients you might try looking at my post "fos and the 6 month rule". It gets a bit nasty and I what I wrote about the effect of the judicial review isnt entirely correct I now realise. Losts of my posts are me just thinking out loud and trying to find information, I know some of the basics but nothing indepth.

I could be wrong but I think I saw something about the banks having 8 weeks respond to complaints after which you can refer to FOS but I a not sure if they would look at your claim. If I had the time I would like to find out. My bank went way over the eight weeks but I didnt know they had to reply in 8 weeks and I phned and reminded them about my complaint after the teimsccale had elapsed and recieved a prompt reply rejecting it. Duh!

Whatever you do next, good luck

dunstonh

"If that happened to you, you just need to start a fresh complaint at the bank. Then if it rejects you again, you can go to the Ombudsman. Do note it won't necessarily look at them all - it's said it'll do this on a case-by-case basis."

If the article says that then it is technically wrong. You do only get one bite of the cherry (unless significant new information comes to light which would likely change the outcome). However, in the past the banks didnt tend to keep good records on complaints from a matching point of view. People were getting away with making a second complaint and the banks failed to match it. You would expect that less now. So, the article possibly hints at the failure of some banks in the past to be able to link complaints.

Smaller firms are less likely to make the same mistakes.

pooch

mcbride_r wrote: »

Hi,

just over a year ago i tried to reclaim PPI from Anglian Windows. They looked into it and rejected my claim and told me I could write to the ombudsman. I didn't take it any further. I thought I'd try again and i realise there's a 6 month time limit so I wrote to them asking them to reconsider but they have ignored my letter. If I got a letter rejecting me again I was going to then write to the Ombudsman but where do i go from here? Thanks ronnie

Why did you not follow up your rejected complaint with the ombudsman at the time?

Or put another way, why are you considering now how to take matters further? Opportunism, or do you have something more substantial now?

If you now believe you have good grounds, then why not threaten legal action against the provider? They may just pay up to avoid such legal action; if not, go through with the threat of taking the legal action.

magpiecottage

Blinkin73 wrote: »

Its not entirely true that you only get one bite of the cherry. Many people have had success with starting a fresh complaint as if they had never made a previous complaint ie without referring to the original complaint.

That is only if they fail to tie the two up. However, firms are required to keep records of complaints for three years and most are now wise to the fact that repeat complaints are being made.

If you have new information in respect of a complaint you can also got the case reassessed but I'm not entirely sure how "new information " is defined by banks. I'm trying t find that out at present.

I have already explained that "new information" means information that was not available to the complainant at the time of the original complaint.

You cannot simply introduce something you already knew but did not mention before because it is not "new" but simply "previously unused".

bodjen0611

Hi,

thanks to all who replied.

pooch, there were personal reasons for not following it through, so if it's too late then so be it.

Thanks again everyone

ronnie

pooch

mcbride_r wrote: »

Hi,

thanks to all who replied.

pooch, there were personal reasons for not following it through, so if it's too late then so be it.

Thanks again everyone

ronnie

What were the personal reasons for not following through?

magpiecottage

Have a look here.

This explains the six month rule in more detail.