PPI claim referred to Ombudsman more than 6 months later

[blue di]

Hi. About 5 years ago I made a claim for PPI refund against HSBC using a 'specialised' firm. HSBC rejected the claim but without my knowledge the firm I used did not refer to the Ombudsman within the 6 months window. Having recently watched TV programme, the expert said that if your claim had initially been rejected you were able to try again and it would be best to do it yourself. I therefore resent the claim to HSBC and they again rejected it out of hand and said the case was closed and they wouldn't respond at all to further correspondence. I then referred the matter to the Ombudsman and they have emailed saying that as I didn't go to them within 6 months of my initial claim ( the one using the firm) the bank don't have to consider the matter unless I have additional info. I am very frustrated! Any advice please? Should I state to the Ombudsman that the reason I went no further 5 years ago was due to the incompetence of the 'specialised' firm? The Ombudsman website suggests I could ask for a review by another officer if I am not happy with their original decision. I don't know what to do.

Thanks.

[EXC]

Re: PPI claim referred to Ombudsman more than 6 months later

Did you ask the CMC to take it to the Ombudsmans and/or did they say thay were going to?

[blue di]

Re: PPI claim referred to Ombudsman more than 6 months later

Hi. Yes. My partner spoke to the CMC on my behalf and asked them to take it to the ombudsman. The owner of CMC said he was going to do so

[EXC]

Re: PPI claim referred to Ombudsman more than 6 months later

You could always complain to the CMC but without anything in writing it's your word against there's.

Who is the CMC?

[robin-hood]

Re: PPI claim referred to Ombudsman more than 6 months later

The key factor here is additional information. You may have seen in the press that banks had to re-open 2.5 Million complaints in 2014 because the original assessments had not been done properly. So instead of just asking HSBC to repeat the previous assessment and giving them the opportunity to tell you to get stuffed, please resubmit a NEW claim and stress that you are doing so because you think the first assessment did not properly address ALL of your complaint points. Then include all your points.
If HSBC want to tell you to get stuffed again, they will have to include a copy of the original assessment response and prove that all your new points were in fact previously dealt with. If they cannot do this then go to FOS whi will look at the new issues.
Clearly, you need to be as comprehensive and clear as possible with your new claim so it leaves nothing out.

Take from the Greedy and give back to the Needy!