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  1. Hi, Please bear with me and I'll try to make this brief. I raised a PPI complaint in April of this year with GE Money Home Lending, which is in relation to an old mortgage with First National Mortgage Company. After months of stalling on their part, GE has told me my complaint is barred under The Limitations Act 1980, reminded me that my complaint falls outside of the jurisdiction of the Financial Ombudsman Service, etc etc. They have also referred me to the underwriter for the policy, Cardif Pinnacle (I do have the paperwork naming them as the underwriters). I contacted the Financial Ombudsman Service who suggested we may get somewhere with the underwriter. They are very helpful, but given their workload have advised it could take anywhere from 18 months to two years before we have a decision from them. In the meantime, I have contacted Cardif Pinnacle myself because the Financial Ombudsman Service haven't heard anything from them since August. Cardif Pinnacle have emailed me to advise they have no record of me or my PPI policy on their systems. They have emailed GE to find out if PPI was added to my old mortgage loan as they have no record of any such policy ever being set up. Their feeling is that GE should be in a position to confirm whether a PPI policy was incepted and if so, why Cardif Pinnacle were not made aware of it. I am doubtful GE will bother getting back to Cardif Pinnacle, but will relay my communications to the FOS. Any advice welcome as I am not in a position to take them to court. Am I fighting a lost cause? Thanks
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