PPI from Loans.co.uk with FOS need help|! in Payment Protection Insurance (PPI) Posted November 18, 2010 Thank you Scrapper. I have emailed my letter to the FOS and mailed it also. They have emailed me today to say that they are passing my case to the ombudsman. The more I think about it, the more it stinks. They have basically ruled in their favour because they have no record of the phone call. It doesn't seem fair, I would think that the loan company need to provide evidence. I don't know how much difference it will make being passed from the adjudicator to the ombudsman but at least they will have another look at my case. After all I have been waiting for nearly three years for this outcome, so I have one last try I guess. Will keep you posted if I hear anything, Thanks again.