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PPI Claim with Ombudsman
Bumble0902
Posts: 1 Newbie
OK so my husband put in a PPI claim with Lloyds bank and recieved a response, however he disputed some of their findings and we escalated the case to the ombudsman.
We have now been waiting over 2years for a response from the ombudsman and have recently chased only to be told that they are still waiting for a response from Lloyds bank.
Is there anyway we can escalate this further????:mad:
We have now been waiting over 2years for a response from the ombudsman and have recently chased only to be told that they are still waiting for a response from Lloyds bank.
Is there anyway we can escalate this further????:mad:
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Comments
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The FOS has a massive backlog of claims due to the vast number of people referring stuff to them (any claims company will pretty much automatically refer stuff to the FOS regardless of merit for example and all customers are told they can even in the weakest of cases). Unfortunately it's just a matter of waiting for the bank to respond and provide information that the FOS want.
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Is there anyway we can escalate this further????
Only via the courts but that doesnt have as much success and you run the risks of it costing you if you lose.
Yours must be an unusual case to last this long. However, it could equally be that yours is the bottom of pile and not moving for that reason. Maybe make a case to the adjudicator that other people are now getting responses in weeks and months yet yours is years and that they should now make a ruling on the info they have.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 -
My complaint about a the sale of PPI with a credit card was referred to a specialist team in FOS for two and a half years. It was only when I phoned to query the delay that it was assigned an adjudicator who informed me it had been placed in the wrong queue but he would deal with it regardless, as I'd been waiting over two years.
In your case can't FOS send a reminder to Lloyds? It seems along time to wait for a reply from the business.0 -
Out of interest, what exactly did you dispute?Bumble0902 wrote: »he disputed some of their findings and we escalated the case to the ombudsman.0 -
When did it actually get referred from an adjudicator to an ombudsman, and when did they ask Lloyds for the information?
The reason I ask is that if it is many months since the information was asked for and it has still not turned up, I think it is reasonable to assume it never will.0 -
the bank has up to eight weeks to deal with your complaint you must complain to FOS within six months from getting your bank final response to your complaint or from the end of the eight week period if they haven't responded.
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In other words complain again.0
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the bank has up to eight weeks to deal with your complaint you must complain to FOS within six months from getting your bank final response to your complaint or from the end of the eight week period if they haven't responded.
That is not quite correct.
The complaint does not have to be resolved within 8 weeks. It is a target but its not always possible to meet that target. After 8 weeks, you have the right to refer your case to the FOS (which means joining another queue that is likely to be far longer). However, you do not need to refer it to the FOS after 8 weeks. usually waiting for the bank is the better option.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 -
This case has already been escalcated to FOS. There is no point in complaining to the bank again.0
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Indeed, the Bank won't respond to any attempts to open a dialogue about a complaint that has been referred to the Ombudsman.magpiecottage wrote: »This case has already been escalcated to FOS. There is no point in complaining to the bank again.
There is no realistic way for the customer to "escalate this further", but definitely wise to keep pushing FOS.
Other people have waited years too, but it's becoming much less likely with new complaints..0
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