Ppi claim after 6 months?

NKT13

Hi,


Can anyone tell me if I still can claim PPI after when the bank has said 'no' ? They gave me 6 months to appeal but I was that disheartened I didn't do it.


Thanks.

dunstonh

The whole point of the 6 month period is to put a final closure on it. Not to have it reappear again in years to come. Unless there is new evidence that will likely change the outcome of the complaint then it is unlikely that the FOS will overturn the banks 6 month timebar.

Insider101

NKT13 wrote: »

Hi,


Can anyone tell me if I still can claim PPI after when the bank has said 'no' ? They gave me 6 months to appeal but I was that disheartened I didn't do it.


Thanks.

You don't "Claim PPI". You complain that it was missold. You have done this and the bank has rejected the complaint. As Dunstonh said, the purpose of the six month rules is to bring closure. It is not desirable for these things to run on indefinitely and six months is more than enough to decide on whether you believe you have a case to take to FOS under normal circumstances. They applu it fairly strictly as well. The only way they would normally accept a referral outside six months is if there were exceptional circumstances which meant that you could not reasonably have referred it within the six months (serious illness or similar for example).