Ombudsman Out of time

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£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.
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More than a third of IVA`s fail....fact.
Could A Debt Relief Order help you ?
Never pay a fee for a Debt Management Plan.
For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
If they do no settle in this time frame then use the money claim online website to issue the proceedings.