2.5 years wait with FOS. Help

MarkMDC

I have a case against RBS credit cards. Initially they were going to pay out, however at the last minute they contested the payout. At the time this case had been with FOS for about 3 months. This was then referred to another ombudsman for adjudication. Now a new court ruling has been set and this is going to delay payouts. I have been waiting two and a half years for the FOS to get an outcome for us. I have been phoning them monthly over the last 2 years and I am being constantly being told that it is with the right department and we can't give you a timescale for completion. This is so frustrating!!! Can anyone offer us any advice on what to do next?

dunstonh

Now a new court ruling has been set and this is going to delay payouts.

The ombudsman doesnt use courts and there are no court actions planned. If there was, then everyone's decisions would be suspended pending outcome. Not just yours.

Can anyone offer us any advice on what to do next?

Ask the FOS what court case as its strange that yours is being held because of this when no-one else is.

MarkMDC

Good Morning Mr Carrington

I’ve been in touch with my colleague who has explained that your case is currently with a team to review whether the recent supreme court ruling will affect it. If it does then it is likely that you will be waiting longer for answer. However the team will be in touch with you to explain in more detail what will happen and why once your case has been reviewed.

I’m sorry I can’t give you any timeframes for how long things will take from here or any more of a specific update. We are aware that your case is very old so it will be amongst the first cases to be worked. on

I

Good morning Margaret. Can you let me know if you have received an update from your colleague about the possible escalation of my case against RBS? It is so stressful not knowing what is happening two and a half years later and we are caring for my mum who has Alzheimer's. I appreciate your support in this matter.
Kind regards
Mark

Mark D Carrington
Sent from my iPhone

On 27 Jul 2015, at 09:55, Brereton, Margaret <Margaret.Brereton@financial-ombudsman.org.uk> wrote:

Dear Mr Carrington

Thank you for your email.

I’m sorry that you have had to wait for so long for an answer on this case. I’ve had a quick look at the case and as I don’t work these types of complaints I have had to get in touch with a colleague from a different department to see if there is anything we can do to move it a long a bit quicker. I should hear from my colleague soon and I will then be able to provide you with a better update.

Alpine_Star

It sounds like the Plevin v Paragon judgment.


See 'summer update' about a quarter of the way down the page http://www.financial-ombudsman.org.uk/contact/PPI-your-case.html

dunstonh

I wondered if it was plevin but didnt realise that was a supreme court case. What is does tell us is that the compliant has been effectively rejected on all other points if they are waiting for the outcome of that. (as any other point would see them uphold the complaint without the need for a wait)

Plevin involved a broker using a third party product with a lender. Whilst it is impossible to know the outcome of the review following that decision, it should be noted that in this case, there was no broker and no third party product. It was own brand. So, I wouldnt get your hopes up. It is still possible you could succeed as the legal position on other areas is not known. Just be prepared for rejection.