PPI Complaint or No PPI Complaint

On 29th August 2019 I complained to various banks about PPI mis-selling.
A few successful payouts, but MBNA & Barclays said I was out of time. I referred to FOS and they also said that my complaints on 29th August were PPI checker enquiries and could not take matters further. 
Is this correct?
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  • dunstonh
    dunstonh Posts: 115,588
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    I referred to FOS and they also said that my complaints on 29th August were PPI checker enquiries and could not take matters further. 
    Is this correct?

    The lenders have said it is and the FOS have said it is.

    And this is what they FCA say:

    "Generally, if you didn’t make a complaint to your provider on or before 29 August 2019, you can no longer claim money back for PPI by complaining to providers or the Financial Ombudsman Service."

    On 29th August 2019 I complained to various banks about PPI mis-selling.

    You say you complained.  Yet you go on to say that you used  PPI checker.      After using the PPI checker, did you actually make a complaint?

    Whilst some firms, in the lead up to the deadline, did convert checks into complaints , not all did.  


    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.
  • MBNA & Barclays said it was a PPI checker - not me.
    Martin Lewis, on Jeremy Vine Radio 2 that day (or the day before) said that you only had to check as that was enough to be a complaint. Other banks paid out on this advice. 
  • MBNA & Barclays acknowledged that they received my complaint/checker on 29th August.

  • dunstonh
    dunstonh Posts: 115,588
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    MBNA & Barclays acknowledged that they received my complaint/checker on 29th August.

    If they acknowledged your complaint, which involves confirmed you have made a complaint, what they interpret your complaint reasons to be, explaining the process and your right to access the FOS, then its difficult to see how they can say you did not make a complaint.   If you just did the online checker then that is something different.

    Martin Lewis, on Jeremy Vine Radio 2 that day (or the day before) said that you only had to check as that was enough to be a complaint. Other banks paid out on this advice. 

    Many were acting on the checker tool date but not all.

    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.
  • Very misleading. Room for banks to wriggle out of liability with the deadline date of 29th August not strictly the deadline. If banks considered complaints as a checker that would leave no time to complain and you would have had to enquire a month or so before 29th August. Should have been made clearer by the likes of Martin Lewis. I have a newspaper article quoting him saying you only had to enquire for it to be considered a complaint. Not true.
  • brettcta
    brettcta Posts: 4,693
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    Martin Lewis doesn’t overwrite the banks ability to act how they like (within reason). Your ire should be pointed at Martin here for apparently making it sound like every bank was acting the same.
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • Yes - exactly my point.
    Martin's advice did indeed sound like a precedent had been set by all banks. 
    Not the case.
  • Can Martin Lewis be contacted directly?

  • [Deleted User]
    [Deleted User] Posts: 35,242
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    He's on his yacht at the moment, but he might be picking up his tweets between cocktails if you're so inclined to send him one.
  • MSE have been banging on about PPI for YEARS, leaving it to the last possible day was always going to risk a time bar
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