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LLoyds Endowment complaint, time limit expired

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Hi

Just to let anybody know that Lloyds Black horse finance have refused to investigate my complaint about a mis-sold plan in 1994 because they say a time limit for complaints was set for 25/01/07. I have been given an option to use the FOS but Lloyds also say that if I complain with them they will automatically object to it regardless of blame.

Guess I missed the boat and now have zero chance of any compensation over my miss-sold hugely under performing, 20% shortfall plan:mad:

Any suggestions welcome

regs Keith
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