misselling and the fos

[cappo]

Re: misselling and the fos

yes, thank you!
sorry for hi-jacking your thread, would have moved it if i knew how
You guys are the best often just read through buts its good to know I am not alone
xxxx
xx
Dogtired

you haven,t hijacked anyones thread, don,t worry if people on here can help you i,m sure they will, for what it,s worth everyones in the same boat,hopefully justice will prevail and we,ll all get our recompense,very soon.

[dogtired]

Re: misselling and the fos

yes, thank you!
sorry for hi-jacking your thread, would have moved it if i knew how
You guys are the best often just read through buts its good to know I am not alone
xxxx
xx
Dogtired

[pompeyfaith]

Re: misselling and the fos

An adjudicator wait can be as high as 18/24 mths where as an ombudsman wait is 6/9 mths.

I would certainly exhaust all avenues at the FOS first as that is keeping all options open to you.

[di30]

Re: misselling and the fos

Good point Cappo, well here's hoping for a good result.

You beat me to it PF lol, that is correct Dogtired, you don't have to accept the decision made by the adjudicator, just like loan companies don't always accept them either, but you should have that opportunity to ask for your case to be reviewed by the ombudsman himself.

However, I assume your already aware it may take some time, but should not take as long as the first stages, for example: when you first make a complaint to the FOS.

[pompeyfaith]

Re: misselling and the fos

Dogtired,

If you have only had an adjudicators decision that is not the end of the road and is not final you can process your complaint to the next stage which is an Ombudsman.

So you can disagree with the adjudicator and ask that the complaint is looked at again by the Ombudsman for a final FOS decision.

Good Luck

[cappo]

Re: misselling and the fos

Hiya

Not too bad thank you. You?

Can't wait to get the last 2 reclaims sorted with lloyds though lol.

Sorry Dogtired for jumping in on here with my issues lol, good luck with yours, looks like you have received a good post from PPITech as well.

we,ll all get there in the end di maybe i,m being optimistic but i don,t think the bank charges cases had all the publicity ppi has had, there all in on it,which cab,fsa,fos,i don,t think the banks are going to get away so easily this time only my opinion though,i think the banks have now been shown as the rotten apple to the public we always knew they were:seagull:

[di30]

Re: misselling and the fos

hi di hows it all going

Hiya

Not too bad thank you. You?

Can't wait to get the last 2 reclaims sorted with lloyds though lol.

Sorry Dogtired for jumping in on here with my issues lol, good luck with yours, looks like you have received a good post from PPITech as well.

[cappo]

Re: misselling and the fos

Yes indeed, got an e-mail from fos, ging to appeal the Sainsbury card and pursue Cabot for mis-handling as a seperate issue.
Used to waiting, actually "won" a claim via FOs with Welcome but would not sign the form they sent as they had virtully sent an entirely new agreement and had not removed all the charges, this has been almost a year now

stick in there d.t lets hope it all gets sorted out for you soon ,when your there having these claims looked at at least theres a chance,look at some of the guys on here one of them took nearly 3 years to get a payout,now they,ve got a nice bit back,theres always a chance and these days it,s possible to be able to make a case stick on so many things, as they say it,s never over until the fat lady sings

[dogtired]

Re: misselling and the fos

most of mine now from unenforceability through to ppi reclaims have now gone on for 3 years you do get thoroughly sick of the wait don,t you d.t, the way of looking at it though is it,s your money, keep going until there,s nowhere else to go, there might have been something missed and it,s worth pursuing to the end at least if you,ve exhausted all the avenues you can say you,ve done your best,the banks want you to stop as it,s more argy bargey for them to keep having to defend,it does wear you out though doesn,t it
------------------------------- merged -------------------------------

Yes indeed, got an e-mail from fos, ging to appeal the Sainsbury card and pursue Cabot for mis-handling as a seperate issue.
Used to waiting, actually "won" a claim via FOs with Welcome but would not sign the form they sent as they had virtully sent an entirely new agreement and had not removed all the charges, this has been almost a year now

[cappo]

Re: misselling and the fos

hi di hows it all going

[cappo]

Re: misselling and the fos

most of mine now from unenforceability through to ppi reclaims have now gone on for 3 years you do get thoroughly sick of the wait don,t you d.t, the way of looking at it though is it,s your money, keep going until there,s nowhere else to go, there might have been something missed and it,s worth pursuing to the end at least if you,ve exhausted all the avenues you can say you,ve done your best,the banks want you to stop as it,s more argy bargey for them to keep having to defend,it does wear you out though doesn,t it
------------------------------- merged -------------------------------

[dogtired]

Re: misselling and the fos

[quote=cappo;199024]

soory meant PPItech.
He has been helpful but it does look as if i will have to put up with the fos decision of not to uphold.
As both were taken out several years ago
However thier is still slight hope that isstead of ppi I can complain about the way they have handled both issuse (at one time they got them mixed up) and the Bank of Scotland card was "sold" to cabot:tinysmile_hmm_t2:
Will try to keep you posted (sorry I seem to have "hi=jacked" your thread[/QUOTE
has a case worker given you a decision of a non-uphold, if it,s gone to the adjudication stage you can go on to county court or mcol these are quite cheap to do and well worth it if the claim is worth a few pounds,have they passed your case on to adjudication yet,sometimes the caseworkers arn,t always 100% clued up on the facts,there is still a chance that the adjudicator wouid uphold in your favour (this doesn,t often happen but it is possible and at the stage your at at the moment it wouid,nt hurt to add a few extra months on your claim) at the point your at at the moment i,d personally press on d.t but it,s your choice,what do the other guys think,have you spoken to di or p.f there always good for advice

Ok not going to give up on the letter from FOS she does say she is an "adjudicaator" I am waiting to see if i need to put my appeal in wrting or if the e-mail will do!
Thanks again
dogtired

[cappo]

Re: misselling and the fos

[QUOTE=dogtired;199001]soory meant PPItech.
He has been helpful but it does look as if i will have to put up with the fos decision of not to uphold.
As both were taken out several years ago
However thier is still slight hope that isstead of ppi I can complain about the way they have handled both issuse (at one time they got them mixed up) and the Bank of Scotland card was "sold" to cabot:tinysmile_hmm_t2:
Will try to keep you posted (sorry I seem to have "hi=jacked" your thread[/QUOTE
has a case worker given you a decision of a non-uphold, if it,s gone to the adjudication stage you can go on to county court or mcol these are quite cheap to do and well worth it if the claim is worth a few pounds,have they passed your case on to the ombudsman yet,sometimes the caseworkers arn,t always 100% clued up on the facts,there is still a chance that the ombudsman wouid uphold in your favour (this doesn,t often happen but it is possible and at the stage your at at the moment it wouid,nt hurt to add a few extra months on your claim) at the point your at at the moment i,d personally press on d.t but it,s your choice,what do the other guys think,have you spoken to di or p.f there always good for advice

[dogtired]

Re: misselling and the fos

soory meant PPItech.
He has been helpful but it does look as if i will have to put up with the fos decision of not to uphold.
As both were taken out several years ago
However thier is still slight hope that isstead of ppi I can complain about the way they have handled both issuse (at one time they got them mixed up) and the Bank of Scotland card was "sold" to cabot:tinysmile_hmm_t2:
Will try to keep you posted (sorry I seem to have "hi=jacked" your thread

[cappo]

Re: misselling and the fos

Just pm you again

sorry d.t who did you want to p.m