How are we supposed to know the rules?

Gonna-be-debt-free

foxtrotoscar wrote: »

Can I suggest that your 'full' annual review of your finances could be fuller. I mean that as a constructive point BTW. I'm well aware of the 6 and 3 year thing and it is of no interest and never would apply to me...I'm not sure how you could have reasonably missed it.

Yeah, I think you are probably right, and I've not taken it the wrong way Any constructive criticism greatly received!

When I say a "full annual review" all I mean is that I e.g. check and diarise when loans or special interest rates are expiring, make sure we're not paying over the odds for utilities, check pensions payments are still appropriate, that kind of thing.

I know that is it is massively more than a lot of my friends and colleagues as, having helped a few of them through the last month of the PPI deadline, I know that e.g. their filing systems are at best shoeboxes or carrier bags and more than one didn't even know which credit cards they currently had.

I also recognize from some of the helpful expertise on here that clearly a lot of people do a lot more than I do. I would never in a million years have been aware of the 3 & 6 rule before this. Nor would it have occurred to me that a complaint was an official and formal thing that had to be done in a particular way. (I'm second guessing myself in hind site, but I think that when I cancelled the PPI I possibly thought that in itself was a complaint).

The problem is, I don't know what I don't know, so struggling to figure out how to bridge the gap.

-taff

Google is your best friend

[Deleted User]

Gonna-be-debt-free wrote: »

I think that when I cancelled the PPI I possibly thought that in itself was a complaint

How would a cancellation without giving any reason be a complaint? People cancel goods and services that they've previously had use of and enjoyed all the time.

Gonna-be-debt-free wrote: »

Nor would it have occurred to me that a complaint was an official and formal thing that had to be done in a particular way.

But the complaint process did not have to be "done" in a particular way. All you had to do was complain that you were not happy with your insurance and give your reasons. You didn't do this, you simply cancelled.

You could, if you wished to, complain about the colour of the carpet in the Bank's foyer. This would still be a complaint regardless of it being trivial, but if you just stopped going into that foyer and said nothing then that would not be a complaint. It really is that basic.

All this is now academic, of course. PPI complaints are now at an end and there is unlikely to be any similar scandals in the near future.