Lloyds TSB ignore Ombudsman

LeMans2005

I've been reclaiming PPI from Lloyds TSB on behalf of my wife for over 18 months now, still no further forward. As per the procedure, I contacted Lloyds TSB with all the details, and after a couple of months got the usual letter dismissing the claim. Went through the Ombudsman and, in November 2012 had a letter from the Ombudsman recommending that they uphold the complaint as Lloyds TSB had provided no information to them regarding the claim. They gave Lloyds TSB until 3 December 2012 to either agree to settle, make an offer, or disagree. Needless to say we heard nothing more, so in January 2013 I emailed the Ombudsman with a request for further information as to what we should do. Since then we have chased the Ombudsman up several times, each time getting the reply that they had chased Lloyds TSB but had no replies. A last email yesterday, 21 June 2013, was replied to today saying the Ombudsman had chased Lloyds TSB again but had no reply, and that the case would continue, but if Lloyds TSB "continue to not co-operate" (the Ombudsman's words) it could be another 12-18 months before the complaint is reviewed!
It seems to me that Lloyds TSB just don't bother as nothing is done to force them to act/react to the Ombudsman.
Does anyone have any ideas as to how we can get somewhere with this action? It's really frustrating, and it seems to me that the Ombudsman is relatively toothless if large Banks refuse to co-operate.

-taff

E-mail the ceo that in light of the ombudsmans ruling and their non-compliance [ and the debacle in the press] you#'d like a swift resolution please.

Ladyinwaiting

Hello

I have p'm ed you some contact details

LeMans2005

Ladyinwaiting wrote: »

Hello

I have p'm ed you some contact details

Thanks a lot. I'm not sure about the contact, you say Halifax but my claim was against Lloyds TSB. Are they the same organisation?

Ladyinwaiting

Halifax are part of lloyds. If you look at the email address its a lloyds address!

Hope that helps

Brains64

LeMans2005 wrote: »

I've been reclaiming PPI from Lloyds TSB on behalf of my wife for over 18 months now, still no further forward. As per the procedure, I contacted Lloyds TSB with all the details, and after a couple of months got the usual letter dismissing the claim. Went through the Ombudsman and, in November 2012 had a letter from the Ombudsman recommending that they uphold the complaint as Lloyds TSB had provided no information to them regarding the claim. They gave Lloyds TSB until 3 December 2012 to either agree to settle, make an offer, or disagree. Needless to say we heard nothing more, so in January 2013 I emailed the Ombudsman with a request for further information as to what we should do. Since then we have chased the Ombudsman up several times, each time getting the reply that they had chased Lloyds TSB but had no replies. A last email yesterday, 21 June 2013, was replied to today saying the Ombudsman had chased Lloyds TSB again but had no reply, and that the case would continue, but if Lloyds TSB "continue to not co-operate" (the Ombudsman's words) it could be another 12-18 months before the complaint is reviewed!
It seems to me that Lloyds TSB just don't bother as nothing is done to force them to act/react to the Ombudsman.
Does anyone have any ideas as to how we can get somewhere with this action? It's really frustrating, and it seems to me that the Ombudsman is relatively toothless if large Banks refuse to co-operate.

Now this is intriguing because how I always understood it is that all said and done, once both sides have argued their different points, appealed which they can once at least and the final decision is made by them, then, what the Ombudsman declares in these disputes is supposed to be legally binding on the part of the organization that is one of the disputing parties but I have to say what I've have never heard of till this is a situation where a company, in this case a bank seems to refuse to acknowledge what the Ombudsman has said or comply :think: and much more to the point, what then happens in such a scenario??, how much muscle does the Ombudsman actually have??, I'd like to think a lot, it'll be interesting to see where this goes, keep us updated please OP:).

amersall

Brains64 wrote: »

Now this is intriguing because how I always understood it is that all said and done, once both sides have argued their different points, appealed which they can once at least and the final decision is made by them, then, what the Ombudsman declares in these disputes is supposed to be legally binding on the part of the organization that is one of the disputing parties but I have to say what I've have never heard of till this is a situation where a company, in this case a bank seems to refuse to acknowledge what the Ombudsman has said or comply :think: and much more to the point, what then happens in such a scenario??, how much muscle does the Ombudsman actually have??, I'd like to think a lot, it'll be interesting to see where this goes, keep us updated please OP:).

The FOS are about as much use as the proverbial chocolate fire guard , they are a very weak regulator and I hope the new regulators who take over next year have a lot more clout than this mob.

amersall

LeMans2005 wrote: »

Thanks a lot. I'm not sure about the contact, you say Halifax but my claim was against Lloyds TSB. Are they the same organisation?

Email this guy
antonio. osorio @lloydsbanking.com
No spaces obviously, Ceo Email addresses are removed from this site when posted in full.
His office will deal with this.

misschicken

Brains64 wrote: »

Now this is intriguing because how I always understood it is that all said and done, once both sides have argued their different points, appealed which they can once at least and the final decision is made by them, then, what the Ombudsman declares in these disputes is supposed to be legally binding on the part of the organization that is one of the disputing parties but I have to say what I've have never heard of till this is a situation where a company, in this case a bank seems to refuse to acknowledge what the Ombudsman has said or comply :think: and much more to the point, what then happens in such a scenario??, how much muscle does the Ombudsman actually have??, I'd like to think a lot, it'll be interesting to see where this goes, keep us updated please OP:).

By the OP's description of the case it hasn't actually been referred to an actual Ombudsman and is still at the case handler stage of the process with the Financial Ombudsman Service.

CKhalvashi

The info above is correct.

In all honesty, it's something I've come to expect of LBG, as they ignore Cllrs asking for their property not to be used as a contact point for debtors, Psych/GP advice on Mental Health and court action until after judgement; all three of which I've dealt with in the last year (of 27 complaints against 7 banks I've dealt with, everyone else of whom has listened and acted).

It may be worth taking this to one of the websites that can help, as the publicity may make them get their backsides into gear!

CK

[Deleted User]

misschicken wrote: »

By the OP's description of the case it hasn't actually been referred to an actual Ombudsman and is still at the case handler stage of the process with the Financial Ombudsman Service.

Yes it does sound like only an adjudicator has dealt with this so far. However, the Bank normally has to appeal rather than ignore such judgements and in this case it does sound as if the Bank is remiss in not following the agreed complaint procedure.