Ombudsman Out of time

£6000.00 of dental treatment gone wrong. Tesco bank will not let the allow the Ombudsman to deal with the case under Section 75 of the consumer credit act as out of time. How do I take this to court or are there any other steps I can take first.


  • sourcrates
    sourcrates Posts: 29,020 Ambassador
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    Money claim online.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- The "provit letter" is here-
  • Sandtree
    Sandtree Posts: 10,628 Forumite
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    You would send whoever you are intending to sue a letter before action giving them a reasonable period to settle the claim else you will issue proceedings... its obviously up to you if you want to issue against the bank or the dentist, there are arguments either way. Normally 14 days/ 10 working days is considered a reasonable period.

    If they do no settle in this time frame then use the money claim online website to issue the proceedings.
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