Ombudsman reply re endowment mis-selling

Graham68

Over the last 2 years I have asked the FOS to look at our mis-sold endowment. We are outside time limits to claim but have evidenced what we believe are 'exceptional circumstances' that would mean that the 'time bar' does not apply.
The ombudsman's latest reply asked if we wanted them (The FOS) to contact the bank, send the bank our evidence...
'for them to consider whether they will grant consent to our service considering your complaint'.
Is this how it works? the bank have to give permission for the ombudsman to consider the complaint...that seems totally at odds with what I would expect.

Thanks

Graham

Nearlyold

I would guess FOS have decided your request to overturn a valid time bar will not be granted and thus your only option is to plead with the bank. NB you've posted in the wrong forum - your issue is not a credit file one.

Nasqueron

The time bars are legal limits to prevent complaints about products going on forever or even being re-run over and over whenever claims firms decide to try a new line. You would have had multiple letters and warnings about the endowment and would have agreed to all the terms and conditions when you took it out, if your complaint is time barred and the FOS are just asking the bank then the time bar was implemented correctly and you'd be replying on bank goodwill to look at it again

Graham68

Sorry it's the wrong forum (first time posting)... thanks for the replies it wasn't a standard claim re the policy... we had claimed on ill health years ago and FOS rejected it under terms of the policy.... we weren't in a position to follow up because of ill health. Just wondered why they had to seek consent.

thanks again, I don't think I need to repost in the correct forum I think you've covered it.

Gra