Hi, have put in a claim 18 months ago against the Bank of Scotland for mis sold PPI ( now sitting with the F.O.S. ) through which we had a personal loan of £2000, this was back in 1998, but we still have the paperwork and on reflection it shows that Creditcare of £647 was immediately added to the loan and then they added THEIR own credit of £1202, total £3839, this was done through the post and a courier service, (for the cheque) but for the life of me we cannot remember asking for Creditcare, Would anyone in their right minds do so ? What fools were we !!! Anyway now the Ombudsman has dismissed it because of the time limit ,i.e. it is passed the date that the AA were covered by regulation selling ( January 2005 ) BUT the irony is that the Bank of Scotland WERE covered in 1998 ,so why can't they uphold the claim from the Bank of Scotland as the AA were "an appointed representative " many thanks in anticipation.

Shezza 50 did you have any joy with DFS or did it go back to First Direct ?