Multiple claims refused - just go to FOS?

fraud_victim_2

In November 2012, I sent out 5 different PPI reclaim forms, 4 refused and 1 (lloyds personal loan) paid up. Rather than just accepting their decision I am now going to continue to get refunds. Most of these credit cards were applied for online during a very bad period, my husband was an IT contractor, with very little work and I was at home looking after 3 young children. There is no way PPI would have covered us for anything, illness, unemployment etc... When I actually studied the monthly statements and saw how much was going to PPI, I looked it up online and when I found it was useless to us I cancelled it.

As I have already approached these companies in 2012, and they refused, should I just proceed to the FOS?

dunstonh

As I have already approached these companies in 2012, and they refused, should I just proceed to the FOS?

If you believe the responses are wrong or your evidence is being ignored and the rejections from the bank were in the last 6 months then you can refer your complaints to the FOS.

if the rejections were over 6 months ago, then you are out of time to refer it to the FOS.

Most of these credit cards were applied for online

Which does make the chances of a successful complaint much much lower. After all, these would not be mis-sold but mis-bought. You would be reliant on a technical failure by the card provider and not an actual mis-sale.

[Deleted User]

fraud_victim wrote: »

Rather than just accepting their decision I am now going to continue to get refunds.

If you originally complained eighteen months ago you are already a year too late to refer these complaints to FOS.
PPI taken out online is generally deemed mis-bought rather than mis-sold (due to there being no Bank staff present to sell it to you)and so your other reasons are irrelevant

fraud_victim_2

Moneyineptitude wrote: »

If you originally complained eighteen months ago you are already a year too late to refer these complaints to FOS.
PPI taken out online is generally deemed mis-bought rather than mis-sold (due to there being no Bank staff present to sell it to you)and so your other reasons are irrelevant

Thank you for your 2 very quick responses. WOW

All were online applications, so I had best forget about them. 2 applications (joint Credit Cards with LLoyds, were opened after discussions with our Bank Manager, both of which contained PPI (although he knew my husband was a contractor, and therefore not in permanent employ. So do you think I should contact LLoyds again and request the PPI to be reviewed?

[Deleted User]

fraud_victim wrote: »

So do you think I should contact LLoyds again and request the PPI to be reviewed?

You cannot complain again unless you have new evidence of mis-sale not in your original complaint, nor already countered by the Bank's original "full and final" response.

What reason did the Bank give for not upholding your complaint?

dunstonh

Are you still within the 6 month period following the rejection? Did the rejection address your complaint reason being that he was a contractor?

[Deleted User]

dunstonh wrote: »

Are you still within the 6 month period following the rejection?

How can she be if she complained in 2012?

dunstonh wrote: »

Did the rejection address your complaint reason being that he was a contractor?

This is what I want to know.

dunstonh

How can she be if she complained in 2012?

Depends on how quick the response to the complaint was. Whilst a quick response would now see it timebarred, its possible there was a queue and a response didnt come until the latter part of last year or even this year.

[Deleted User]

dunstonh wrote: »

Depends on how quick the response to the complaint was.

Since the Bank have eight weeks to respond fully and finally, I can't see the Bank replying any later than early 2013 which is more than a year ago. The complaint was made in November 2012, you do know it's now 2014?:eek: