Do I need to wait

[Leucareth1971]

Do I need to wait for a Final response from my Credit Card providers before going to the FOS Thanks

[cappo]

Re: Do I need to wait

a signal of a hold is considered a final response for taking a claim to the fos or a final response letter either way the fos will expect a provider to have exhausted the complaints system first.

[leclerc]

Re: Do I need to wait

Do I need to wait for a Final response from my Credit Card providers before going to the FOS Thanks

has it been 8 weeks yet?

[di30]

Re: Do I need to wait

Hi there

Check this out here.

http://www.financial-ombudsman.org.u...complaints.htm

If you've heard absolutely nothing at all, you are entitled to contact the FOS and ask if you can pass your complaint to them, so basically as long as the 8 weeks have passed and you've heard nothing within that timescale, you could contact the FOS, they will take it off your hands and they will therefore carry on and ask them for a decision.

However, if this was me, I would directly contact the business who are supposed to be dealing with your complaint and ask for an update first, ask if they are actually dealing with your complaint.

Did you post your reclaim by signed for recorded delivery, and definately know it reached them?
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Forgot to add as well, normally in the final decision they should enclose details of the FOS/leaflet details on how to complain.

[Leucareth1971]

Re: Do I need to wait

Yes It' been more than eight weeks but RBS are asking for another 4 weeks (delaying tactics)?

[di30]

Re: Do I need to wait

Hiya

Contact the FOS, give them a ring tomorrow and see what they suggest.
Good luck.
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With mine its been sitting with the bank since before xmas due to the JR, going to see what happens over the next month and may move on to the FOS if nothing have been done by then, they did say they would be dealing with my complaint, but i did have the option of the FOS.

[Leucareth1971]

Re: Do I need to wait

I had a final response from Capital 1 The others say they are still investigating Thanks for your replies

[di30]

Re: Do I need to wait

I had a final response from Capital 1 The others say they are still investigating Thanks for your replies

Your very welcome.

Worth checking then with them - ask if they will be sending out a decision over the next few weeks, ask them for a timescale, if they can't give you one, then you could think about taking your case to the FOS.

I assume your aware though it may still take some time with the FOS, due to the large numbers rising in these complaints?
But still only you can make that decision.

[Leucareth1971]

Re: Do I need to wait

Will get on to them tomorrow to see if they can give me a time frame
Thanks again for all your help

[di30]

Re: Do I need to wait

Will get on to them tomorrow to see if they can give me a time frame
Thanks again for all your help

Fingers crossed for you hun, please let us know once you know, that would be great thank you and not a problem. x

[cappo]

Re: Do I need to wait

I had a final response from Capital 1 The others say they are still investigating Thanks for your replies

as a matter of interest what did cap 1 say in there final response to you.
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how,s it going guys
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i think there expecting a j.r result end of march,ish guys so hopefully things might start moving again then.

[cappo]

Re: Do I need to wait

not being nosey leucareth just curious

[Leucareth1971]

Re: Do I need to wait

Hi Capital 1 states "I can confirm that you requested PPI during a telephone conversation 22 Aug 1997" I don't remember that far back It also says "they sell PPi on a non-advised basis,we do not provide advice.Our role is to introduce the features and benefits of the product and to provide sufficient information for customers to make their own conscious decision"

[Leucareth1971]

Re: Do I need to wait

They also say that if they dont hear from me in the next 4 wks they will consider the matter closed

[cappo]

Re: Do I need to wait

Hi Capital 1 states "I can confirm that you requested PPI during a telephone conversation 22 Aug 1997" I don't remember that far back It also says "they sell PPi on a non-advised basis,we do not provide advice.Our role is to introduce the features and benefits of the product and to provide sufficient information for customers to make their own conscious decision"

it all sounds very familiar i had the same from them a fortnight ago, i brought mine through a leaflet put through the door they used to do that a lot it,s with fos now