6 month time limit missed FOB
in Debt-free wannabe
2 replies 333 views
Tried posting this in another part about reclaiming money but not sure where is right. Still find the site abit hard to nagivate
Nervsmomma2022 said:I have sent my irresponsible lending complaint to the financial ombudsman. They have came back to say they wont look at it as barclaycard refused as i was over the time limit, they said they then looked at it to see if my circumstances were suffice to take me over the limit and they decided i would have had enough time 😞 gutted and feel beyond annoyed at myself and upset. Its alot of money in question and would have been in my best interest to get this sooner rather than later its not like i was just too lazy.
I have had mental health issues since 2012, my daughter was born january 2021 and i was diagnosed with severe post natal depression, given a nurse at the house, heavy dose of antidepressants, health visitor for longer than normal and i am a full time carer for my partner who has autism, depression & suicide ideation.
Financial ombudsman have said they are not withholding complaint as i stated i was unwell when i contacted barclaycard initially so they are assumining althought unwell i would have had reasonible time to also send it to them. I have until 28th feb to tell them if i accept and if i dont accept it will be passed onto a senior ombudsman.
I dont know what to do? They said my medical evidence will make no difference. Totally deflated
Latest MSE News and Guides
Did you know there's an MSE app?
It's free & available on iOS & AndroidMSE App
Regifting: good idea or not?
Add your two cents to the discussionMSE Forum
Energy Price Guarantee calculator
How much you'll likely pay from AprilMSE Tools
It does seem you have done all you can but have timed out. Hopefully a poster with more experience might come up with some options, but maybe not
2022 Achievements: Mortgage Neutral, Net Debt Free, EF filled, Retirement Planned, More Unfit, Heavier
2023 Targets (as of 1/1/23): Steps-23K/2500K - Weight - 0lbs/24 - Savings-#57-MFW £400/£10800 - #17-365x1p 1p/£667.95
2023 Achievements (as of 1/1/23): 5km (treadmill)-51'39" - 2km C2 Erg -9'54 - R-Day 272 Days - PMA Save/Earn - £135
I'm a Forum Ambassador and I support the Forum Team on the Over 50s, DFW and Pensions 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 [email protected] All views are my own and not the official line of MoneySavingExpert.
That time limit is not flexible, unless the circumstances are exceptional, they obviously think yours are not, so that`s the end of the road for it, you can ask a senior ombudsman to look at it, but it`s likely they will come to the same conclusion.
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.