Please help with response to RBS

[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 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]

confused?

 

if you cancelled what are you trying to claim on ppi

[Gamba]

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

[PGH7447]

yes but claiming what?

[Gamba]

That it was mis-sold.

[PGH7447]

but you claimed on it in 2004

[Gamba]

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 relating to a 2004 loan.

 

Sorry.

[PGH7447]

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

[Gamba]

That's what I thought. Should I confirm with FOS and then write back?

 

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

[PGH7447]

sounds good to me

[alanalana]

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 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.

 

 

aa

[Gamba]

Thanks!