I wrote to BOS in Jan 2008 asking them to refund the ppi charges made on a credit card I have with them. They replied in the same month telling me they were not going to refund the charges. I stupidly thought that was the end of it and it wasn't until January this year that I read that this was a standard first reply and that you should take the matter to the ombudsman. I complained to the ombudsman in January this year and they have just written back to me to say that as I refered the matter to them more than 6 months after the firm issued its final response there is nothing they can do unless I can prove exeptional circumstances. I would be grateful to know if there is any other route I can take or if anyone can offer any advice. Thankyou