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I started a PPI claim in May last year. It took until 24th August to get a refusal.
I wrote and told them this wasn't acceptable to me, and I made a SAR for all my documents, and included the £10 cheque, which was encashed promptly.
They responded in September that they had considered my appeal and once more found their was no basis for it. I didn't get any documents from the SAR.
It took continued chasing, telephone calls, letters to eventually get the full SAR. They did send a copy of account statements sometime in October but nothing more, and certainly nothing like a full SAR release.
So the bilk of the stuff came in February.
The letter for the out of time FOS appeal was concluded with the following timeline which explained the basis of the delay. It was explained that due to the delay in receiving the full document release I was hindered in making a claim within the 6 month time, as without the specific documents released the basis of the claim would not be apparent.
The timescale for the claim and correspondence etc is as follows:
PPI complaint submitted to BOS – 18/5/12
Rejection – 24/8/12
SAR request 10/9/12
Rejection letter – 11/10/12
Tel call to BOS (Shona) – 17/10/12
Letter to BOS 25/10/12
Letter to BOS 4/2/13
SAR request acceptance letter from BOS 18/2/13 saying another 40 days delay (crossed in post with next item)
Letter to BOS 22/2/13 without knowledge of previous letter of SAR acceptance.
SAR eventually concluded but still not fully, and assessed for use before compiling considered appeal to ombudsman.
So, I have made the FOS aware of the reasons and hope they allow it as an exceptional circumstance. Is anyone aware of any similar claim being allowed out of time? Does it seem to fit the exceptions?
If not, would I still have the option of taking court action instead.
I wrote and told them this wasn't acceptable to me, and I made a SAR for all my documents, and included the £10 cheque, which was encashed promptly.
They responded in September that they had considered my appeal and once more found their was no basis for it. I didn't get any documents from the SAR.
It took continued chasing, telephone calls, letters to eventually get the full SAR. They did send a copy of account statements sometime in October but nothing more, and certainly nothing like a full SAR release.
So the bilk of the stuff came in February.
The letter for the out of time FOS appeal was concluded with the following timeline which explained the basis of the delay. It was explained that due to the delay in receiving the full document release I was hindered in making a claim within the 6 month time, as without the specific documents released the basis of the claim would not be apparent.
The timescale for the claim and correspondence etc is as follows:
PPI complaint submitted to BOS – 18/5/12
Rejection – 24/8/12
SAR request 10/9/12
Rejection letter – 11/10/12
Tel call to BOS (Shona) – 17/10/12
Letter to BOS 25/10/12
Letter to BOS 4/2/13
SAR request acceptance letter from BOS 18/2/13 saying another 40 days delay (crossed in post with next item)
Letter to BOS 22/2/13 without knowledge of previous letter of SAR acceptance.
SAR eventually concluded but still not fully, and assessed for use before compiling considered appeal to ombudsman.
So, I have made the FOS aware of the reasons and hope they allow it as an exceptional circumstance. Is anyone aware of any similar claim being allowed out of time? Does it seem to fit the exceptions?
If not, would I still have the option of taking court action instead.
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