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Am I to late
Just want to know if I'm to late to carry on with it before I follow it up.
This is what they sent me.
http://imgur.com/a/XjKLV
http://imgur.com/a/c44jL
Comments
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Yes your complaint has been time barred as the law allows. If it's any consolation, your complaint reasons were very weak - your first is unprovable and your second is moot as PPI sales were not advised so staff didn't need to be trained like say an IFA, you also have no proof what qualifications the staff member had
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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Tried claiming back PPI on an old credit card, and got a letter back yesterday.
You complained back in 2009 and the complaint was rejected (the complaint reasons were very very weak. One is completely irrelevant and the other has no credibility as you raised it as an issue 12 years after the event. It was destined to fail on those two particular points before you even sent it). You had 6 months to appeal the decision with the FOS. After that you are barred from future complaint.Just want to know if I'm to late to carry on with it before I follow it up.
You are too late. it ended for you back in 2009.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 -
How would you propose to "follow it up"? The Bank laid out the position very clearly in those letters and it's exactly what it was when you complained eight years ago.Just want to know if I'm to late to carry on with it before I follow it up.
You cannot keep returning to "complain" just because a number of years have passed.
You should have put this behind you in 2009.0 -
thanks for the responses
Happy to say one of the other claims I made, with "exactly" the same reasoning has been accepted :rotfl:
http://imgur.com/a/AsLTK
http://imgur.com/a/fsjb10 -
thanks for the responses
Happy to say one of the other claims I made, with "exactly" the same reasoning has been accepted :rotfl:
http://imgur.com/a/AsLTK
http://imgur.com/a/fsjb1
£238.81 refund = autopay
You were not miss-sold
Your complaint reasons were unprovable and irrelevant
You were fortunate that the bank has a fixed limit under which they pay out without checking, so well done, enjoy the cashSam 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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