Please help with response to RBS

**Gamba** · 6th November 2009 19:09

Hi

I requested repayments on my CC. Have just had a response stating that they will not uphold my complaint as the policy was sold in 2002 and I cancelled a few mths ago. I cancelled because I had just become aware of the issue. They state that I am out of time to complain and that customers have a responsibility to raise concerns in a timely manner.

They then refer me to the fos icon

but state that in their opinion the FOS may not be able to consider my claim due the lapse of time since I became aware of that I had cause to complain (or ought to have been aware).

They then say " in exceptional circumstances the FOS may waive the time limit. Please let us know if you think this could apply so that we may re-consider matters."

Given they paid out on a single premium policy that ended in 2004, I am confused. I thought I could complain within 6yrs of the date that I realised there was an issue - i.e. Aug 2009.

Any advice??

Thanks!

**PGH7447** · 6th November 2009 20:01

confused?

if you cancelled what are you trying to claim on PPI icon

**Gamba** · 6th November 2009 20:05

I cancelled the PPI icon

on the card in 2009 but am claiming for the years I had it on the account.

**PGH7447** · 6th November 2009 20:08

yes but claiming what?

**Gamba** · 6th November 2009 20:10

That it was mis-sold icon

.

**PGH7447** · 6th November 2009 20:14

but you claimed on it in 2004

**Gamba** · 6th November 2009 20:17

No, RBS

paid me on a seperate single premium laon which I paid off in 2004.

Sorry if I have been confusing. I was trying to say that I am confused by their grounds that I am out of time on the CC mis-sell, yet they have previously settled on mis-selling icon

relating to a 2004 loan.

Sorry.

**PGH7447** · 6th November 2009 20:19

no your not out of time, this is just a fob off

**Gamba** · 6th November 2009 20:21

That's what I thought. Should I confirm with fos icon

and then write back?

Their letter is not a final one so I reckon it's worth a shot.

**PGH7447** · 6th November 2009 20:24

sounds good to me

**alanalana** · 7th November 2009 00:38

Originally Posted by Gamba

Hi

I requested repayments on my CC. Have just had a response stating that they will not uphold my complaint as the policy was sold in 2002 and I cancelled a few mths ago. I cancelled because I had just become aware of the issue. They state that I am out of time to complain and that customers have a responsibility to raise concerns in a timely manner.

They then refer me to the fos icon

but state that in their opinion the FOS may not be able to consider my claim due the lapse of time since I became aware of that I had cause to complain (or ought to have been aware).

They then say " in exceptional circumstances the FOS may waive the time limit. Please let us know if you think this could apply so that we may re-consider matters."

Given they paid out on a single premium policy that ended in 2004, I am confused. I thought I could complain within 6yrs of the date that I realised there was an issue - i.e. Aug 2009.

Any advice??

Thanks!

As PGH states do not accept what the bank tells you. Check up to see if you were mis-sold (check the stickies at the top of the forum) and then reclaim. Whatever you are told by the banks, still get a second opinion and always chase for your money on PPI icon

.

aa

**Gamba** · 7th November 2009 10:52

Thanks!

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