Claimed for missold account back in 2016, and again now for being missold again but they’ve declined

jadex91

Do I go to the ombudsman or not? Thanks 

[Deleted User]

No. You had 6 months from your initial rejection.

Or are you talking about different accounts?

Edi81

You complain about misold products. You don’t claim. 

jadex91

Deleted_User said:

No. You had 6 months from your initial rejection.

Or are you talking about different accounts?

The same bank account, but I had the top account which I claimed for In 2016, then they persuaded me by mis selling again, the one up from the basic account, years later. 

jadex91

Edi81 said:

You complain about misold products. You don’t claim. 

Okay, you know what I mean 

Nearlyold

Do you mean you had an all the bells and whistles packaged bank account (where you paid a fee) up to 2016 when you complained it was miss sold, the bank formally rejected your complaint with reasons and rather than going to the Ombudsman at that time you decided to downgrade the account to a lower cost one which offered some but reduced benefits, which you then complained about recently?

If so what complaint reasons did you give on each occasion and what reasons have the bank given for not upholding your complaint on each occasion. 

dunstonh

jadex91 said:

Deleted_User said:

No. You had 6 months from your initial rejection.

Or are you talking about different accounts?

The same bank account, but I had the top account which I claimed for In 2016, then they persuaded me by mis selling again, the one up from the basic account, years later. 

The 2016 complaint i dead in the water as you are way past the 6 month referral date.

It would be hard to see how you could succeed with a new complaint as your 2016 complaint makes it clear you knew that having a PBA was optional.   Plus, the sale in PBAs in the last decade are much improved from an audit trail point of view.

jadex91

Nearlyold said:

Do you mean you had an all the bells and whistles packaged bank account (where you paid a fee) up to 2016 when you complained it was miss sold, the bank formally rejected your complaint with reasons and rather than going to the Ombudsman at that time you decided to downgrade the account to a lower cost one which offered some but reduced benefits, which you then complained about recently?

If so what complaint reasons did you give on each occasion and what reasons have the bank given for not upholding your complaint on each occasion. 

No I had the money back from the first claim. Then I went to a classic account for no charge, then was persuaded to get the next one up which they’ve rejected 

[Deleted User]

jadex91 said:

Nearlyold said:

Do you mean you had an all the bells and whistles packaged bank account (where you paid a fee) up to 2016 when you complained it was miss sold, the bank formally rejected your complaint with reasons and rather than going to the Ombudsman at that time you decided to downgrade the account to a lower cost one which offered some but reduced benefits, which you then complained about recently?

If so what complaint reasons did you give on each occasion and what reasons have the bank given for not upholding your complaint on each occasion. 

Then I went to a classic account for no charge, then was persuaded to get the next one up which they’ve rejected 

That sounds about right. You knew you didn't need to accept any account you didn't want, but chose to have it.

Edi81

jadex91 said:

Edi81 said:

You complain about misold products. You don’t claim. 

Okay, you know what I mean 

Yes. I know exactly what you mean. Jumping on the claim bandwagon. 

jadex91

Deleted_User said:

jadex91 said:

Nearlyold said:

Do you mean you had an all the bells and whistles packaged bank account (where you paid a fee) up to 2016 when you complained it was miss sold, the bank formally rejected your complaint with reasons and rather than going to the Ombudsman at that time you decided to downgrade the account to a lower cost one which offered some but reduced benefits, which you then complained about recently?

If so what complaint reasons did you give on each occasion and what reasons have the bank given for not upholding your complaint on each occasion. 

Then I went to a classic account for no charge, then was persuaded to get the next one up which they’ve rejected 

That sounds about right. You knew you didn't need to accept any account you didn't want, but chose to have it.

So do I go to the ombudsman or not?