Need help enforcing FOS PPI Final Decision please! ** THEY PAID UP !!!!! ***

[Bill-K]

Re: Need help enforcing FOS PPI Final Decision please!

HHMMMM...this is nice.

Personally, I would be inclined to make a 'nice' comment about the obviously 'key' member of staff who has clearly been on holiday for longer than they deserved. "...Wish we were there...?"

It seems rather telling that the remainder of the 'plods' left holding the fort need to know from YOU such basic info as they have admitted to needing. That info will have cost you £10 as a DSAR, wouldn't it ? Charge them for it, matey.

Did the FOS award compo ? Claim another £200 for further stupidity in the face of the enemy - AND update the spready to show 8% SI as at today's date !!!

These gastropods really are below contempt, IMHO.

[nelliewops]

Re: Need help enforcing FOS PPI Final Decision please!

Thanks Bill - will do as you suggest

I have today emailed the latest offering from Norton to the FOS - only to discover that the person I had been dealing with there has left.............no wonder she hadn't followed up her previous promise to get back to me!

I had to resend it to their casework response team - who have yet to respond...........surprise surprise!

Nellie x

[pompeyfaith]

Re: Need help enforcing FOS PPI Final Decision please!

Nellie,

This is totally unbelievable what a tired excuse that a member of staff is away on holiday do they not hand over current outstanding work to someone else then I used to when I worked in sales for a major dealership.

That is just not good enough and not the way to run a business I am feeling pretty sorry for you Nellie reading this as it is very clear that they are ducking and diving hoping you will go away.

After following your threads for quite some time now I know that you will not go away and quite rightly so.

I am lost as to what you can do now but I will give it some thought this evening and post back. I agree with Bill-K update your spreadsheets and make it known that they delays is costing them money.

PF x

[nelliewops]

Re: Need help enforcing FOS PPI Final Decision please!

Hi PF,

Thanks for being so kind as always

I must admit this is cheesing me off (to put it politely) pretty badly now, but as you rightly say I will not be giving up............I learnt that from you, btw!

The FOS have been absolutely rubbish in their support (or lack of it) over this and to be honest are almost as bad as the shower that is Norton and Swift. You would have thought once again that if a member of FOS staff was leaving they would pass all their cases over to another employee and would have perhaps informed me last time I contacted them that this was on the cards so I had new contact details - but no.............like your good self I'm beginning to lose all patience with them and am only glad that I don't have many more complaints to go now!

Nellie x

[pompeyfaith]

Re: Need help enforcing FOS PPI Final Decision please!

Thanks for the friend request which has duly been accepted.

The problem is the FOS has no power to force and the financial industry knows this.

The FOS told me that the adjudicator dealing with my case will contact me regarding the issues I raised in a matter of days that was 2 weeks ago :tinysmile_hmm_t2:

Ill give till end of week and if I still get no response ill call in to my solicitor early next week and get some advice on this.

PF

[Bill-K]

Re: Need help enforcing FOS PPI Final Decision please!

So - If I've got this right then, BOTH the Norton/Swift person AND the FOS person who were dealing with your complaint have abandoned their posts, and neither have made sufficient arrangements for your case to be dealt with by anybody else. Such conduct is to be expected of a DCA such as Norton/Swift, but to be confronted by the FOS with the same $h1t is indeed a damning indictment, IMHO, and as PF says, it is NOT the way to run a business.

I can only suggest 2 possibilities here, now...

1. We take this example of corporate incompetence and use it to get a bit of ferkin' priority at the FOS;

2. If we don't get FOS priority, then we take it to court. We can show the court that we have explored all avenues we were aware of, and been $h@t on at every turn. We have done our best to observe the prescribed Pre-Action Protocol in this respect, whilst the defendants have clearly abdicated their responsibility in this respect. The court must acknowledge this at the very least, IMHO.

[nelliewops]

Re: Need help enforcing FOS PPI Final Decision please!

So - If I've got this right then, BOTH the Norton/Swift person AND the FOS person who were dealing with your complaint have abandoned their posts, and neither have made sufficient arrangements for your case to be dealt with by anybody else. Such conduct is to be expected of a DCA such as Norton/Swift, but to be confronted by the FOS with the same $h1t is indeed a damning indictment, IMHO, and as PF says, it is NOT the way to run a business.

I can only suggest 2 possibilities here, now...

1. We take this example of corporate incompetence and use it to get a bit of ferkin' priority at the FOS;

2. If we don't get FOS priority, then we take it to court. We can show the court that we have explored all avenues we were aware of, and been $h@t on at every turn. We have done our best to observe the prescribed Pre-Action Protocol in this respect, whilst the defendants have clearly abdicated their responsibility in this respect. The court must acknowledge this at the very least, IMHO.

Yep, that's about the size of it Bill

I realise that as a large organisation the FOS must have a high staff turnover, but to not keep you informed of who is on your case, so to speak, is pretty bad................anyhoo I suppose it only highlights how we have the moral high ground in all of this - something which hopefully as you say the courts etc would look favourably on.

Regarding FOS priority - it's worth a shot, although coincidentally the last PPI complaint which was just refunded by Lloyds was supposed to have priority status at the FOS, yet it took longer to resolve than 2 other similar complaints which were submitted later............

Nellie x

[pompeyfaith]

Re: Need help enforcing FOS PPI Final Decision please!

Is there really a priority system in place at the fos im not so sure there is as i requestdd my complaint be handled this way due to health grounds and after over 2 yrs im still waiting

[Bill-K]

Re: Need help enforcing FOS PPI Final Decision please!

I guess there is a priority system in THEORY - but in PRACTICE, the FOS seems to be a total shambles at present, PF.

[pompeyfaith]

Re: Need help enforcing FOS PPI Final Decision please!

I guess there is a priority system in THEORY - but in PRACTICE, the FOS seems to be a total shambles at present

That is the most truthful quote I have read all day.

PF

[nelliewops]

Re: Need help enforcing FOS PPI Final Decision please!

Cheers Guys

However, the new FOS adjudicator assigned to this complaint does seem to be a little more pro-active than her predecessor - yesterday she called saying she'd spoken to the MD of Norton who said they had finally received the figures from Swift on Tuesday. He appeared in no rush to conclude the refund process until she pressed the point that I had mentioned enforcement action at which stage he became more keen to play ball.

Also apparently the FOS technical team (I think that's what she called them) were having a meeting yesterday to discuss Norton's general apathy in dealing with PPI mis-selling complaints. She said mine in particular would be discussed as it has dragged on far too long for FOS liking..............I got the impression Norton are going to get their botties slapped - although as we all know the FOS have little clout in these matters.

From what she said she expects Norton to have come back with the proposed figures some time next week - so watch this space!

As for the fast-tracking or priority system, you're quite right PF - you have been treated appallingly considering your circumstances and I'm not surprised you have little faith left in the FOS :tinysmile_cry_t:

Nellie x

[Bill-K]

Re: Need help enforcing FOS PPI Final Decision please!

Well, I guess that's a possible advantage of the situation, in that you seem to have a new adjudicator with some enthusiasm for the job. I daresay it'll wear off eventually - so make the most of it while you can !!!

Perhaps if enforcement action makes them sit up and listen, then that's what the FOS needs to consider recommending more readily to claimants at the forthcoming meeting. Essentially, it's passing the enforcement over to someone who actually has teeth !!!

[nelliewops]

Re: Need help enforcing FOS PPI Final Decision please!

Hi folks!

Well an update (of sorts) on this at last -

Only just within the timescale Norton provided the refund figures which tallied almost exactly with those which my superhero Bill had calculated for me :billk:

However, despite this Norton are still finding excuses not to pay out - I have called them on the phone and they have said the cheque may not be able to be issued till October because of 'funding' issues.

Today the FOS called and said they continue to chase them but are receiving the same fob-offs. They believe it is purely a delaying tactic, not that there is any imminent danger of the firm going bust etc...........

I mentioned the rumour of a judicial review into PPI to the FOS adjudicator and she said that although the FOS had heard the rumours, there was nothing definite yet, they would be one of the first to hear and that in any case it should not effect cases where there had already been a legally binding final decision by the FOS - hope she's right!

She told me to give Norton another two weeks then get back to her and she will chase again...................

Nellie x

[Bill-K]

Re: Need help enforcing FOS PPI Final Decision please!

That's good news, Nellie - congrats, matey !!! It's always encouraging when their figures tally with ours, and that we don't have to argue over them.

If the FOS can't get them to pay out immediately, then I guess the best you can do is to make sure you are on the top of the pile by constantly pestering them. If you recall, I mentioned in an earlier post:

FWIW, the 8% SI means that this claim is increasing by £1.62 per day - for every day that they delay settlement. Also - the FOS will often direct that the PPI mis-seller pays additional compensation as part of the settlement, and their conduct here makes this seem likely. It may be worth mentioning this to the FOS - I have seen £500 awarded, and maybe even larger amounts are possible.

I can think of a few things that you might like to suggest to them:-
1. Remind them that the 8% compensatory interest claimed is causing the total claim to increase by £1.62 per day, or £11.34 per week.
2. Assuming that they haven't offered to pay any compensation for distress & inconvenience, you could mention that you feel this should be offered, considering the continuous delaying and their general conduct in the matter - and that you will now seek the FOS's direction in this respect, unless they are prepared to pay in full immediately.
3. If this doesn't work, maybe suggest that they pay 50% now, and 50% next month - plus a further £200 late payment fee.

If nowt else, it gives you a couple of reasons for pestering them.

[pompeyfaith]

Re: Need help enforcing FOS PPI Final Decision please!

£1.62 per day, or £11.34 per week

Big numbers sound better lol

PF