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Going round in circles
fadingstars
Posts: 39 Forumite
Hello,
I bought a laptop from dixons back in 05' and was miss sold PPI. I've tried claiming it back through HFC bank, who i made the payments too, but they forwarded on my claim to Dixons ltd, as it was nothing to do with them. I received a letter from Dixons ltd advising they don't believe it was miss sold, and advised me to contact the financial ombudsman which i did, they then told me dixons don't fall under there legal remit, and told me to complain to HSBC...i then did that, and they don't want to know, told me to contact dixons. :mad:
I feel like my head is about to explode! I really don't know where to go from here. Financial ombudsman basically said unless there was someone else involved that i can complain too, there's basically nothing they can do. Is this true? Should i just give up?
I bought a laptop from dixons back in 05' and was miss sold PPI. I've tried claiming it back through HFC bank, who i made the payments too, but they forwarded on my claim to Dixons ltd, as it was nothing to do with them. I received a letter from Dixons ltd advising they don't believe it was miss sold, and advised me to contact the financial ombudsman which i did, they then told me dixons don't fall under there legal remit, and told me to complain to HSBC...i then did that, and they don't want to know, told me to contact dixons. :mad:
I feel like my head is about to explode! I really don't know where to go from here. Financial ombudsman basically said unless there was someone else involved that i can complain too, there's basically nothing they can do. Is this true? Should i just give up?
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Comments
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Dixons have the liability for the sale but it was pre-regulation by the sounds of it. Regulation did not start until 14th January 2005. Sales before that date from firms that were not members of an earlier body can only be considered if the firm was willing to review them or another firm has liability.
Its game over for you as you have no-one else to complain to.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Dixons have the liability for the sale but it was pre-regulation by the sounds of it. Regulation did not start until 14th January 2005. Sales before that date from firms that were not members of an earlier body can only be considered if the firm was willing to review them or another firm has liability.
Its game over for you as you have no-one else to complain to.
That'd be fine, except I bought it in June 2005.0 -
If the sale was post regulation then you do have access to the FOS. Somewhere along the line it appears someone has got their dates wrong.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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You need to tell them your complaint is against Dixons Retail Group.
I can't give you the number because the Financial Services Register is down at the moment.0
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