Is it worth trying the Ombudsman?

hildosaver

Made a PPI claim to Bank of Ireland re: mortgage.

They have come back to say that on that particular mortgage PPI was never offered by themselves. However they have admitted that they did offer a referral to Legal and General PPI at the time.

Is my claim dead in the water or could I go back to them and pull them up on the fact they DID offer me PPI through an alternative provider (which I believe I did take up) and therefore should be due compensation?

Anybody have any experience with this either way?

Davy_Jones_II

Is it not L&G that you should have complained to, and are you not now too late?

mjm3346

Costs nothing to try - were they agents for it or was it effectively "go over the road and that man over there will be be able to sell you PPI"?

hildosaver

Honestly cant remember - i think it was the bank themselves (well they have admitted that themselves) who offered the referral to L&G so I'm hoping that might be enough to claim.

SonOf

They have come back to say that on that particular mortgage PPI was never offered by themselves. However they have admitted that they did offer a referral to Legal and General PPI at the time.

That is not an admission. That makes it sound like you think they are admitting guilt. They are just stating fact.

Is my claim dead in the water or could I go back to them and pull them up on the fact they DID offer me PPI through an alternative provider (which I believe I did take up) and therefore should be due compensation?

They did not retail you the PPI. They have told you this. So, you need to stop saying that.

Also, just having PPI is not grounds for complaint. Indeed, only around 1 in 10 MPPI complaints actually get upheld. You can still buy MPPI today. Nothing you have said suggests a missale.

The bottom line is that you should have complained to L&G and not the bank. However, you are now past the deadline to complain to L&G.

BoGoF

To answer your question, there is zero point going to the ombudsman in this case.

sussexbhoy

SonOf wrote: »

only around 1 in 10 MPPI complaints actually get upheld.

Please provide a source for this as i have read it is more than likely to be around half not 1 in 10.

BoGoF

sussexbhoy wrote: »

Please provide a source for this as i have read it is more than likely to be around half not 1 in 10.

Remember we are specifically talking mortgage PPI here.

sussexbhoy

BoGoF wrote: »

Remember we are specifically talking mortgage PPI here.

I'm specifically talking bout MPPI

[Deleted User]

sussexbhoy wrote: »

Please provide a source for this as i have read it is more than likely to be around half not 1 in 10.

It really doesn't matter. Why do you want a "source" simply for your chances of success ?

No one here can definitely predict the result of your complaint, but we can certainly comment on the weakness of it...

sussexbhoy

Moneyineptitude wrote: »

It really doesn't matter. Why do you want a "source" simply for your chances of success ?

No one here can definitely predict the result of your complaint, but we can certainly comment on the weakness of it...

If someone is going to put out a statistic like that then it should be backed up with some sort of proof.

I'm not the OP by the way