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How long before writing to FOS

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I first wrote to HFC Bank to reclaim PPI on 03/08/10 at the Exeter address where I signed the original agreement.


They had moved, but I didn't know that and so wrote again on 06/09/10, and thinking they had just ignored the letter got proof of post which eventuall returened to me as "Gone Away". Not many businesses that size don't forward their mail, I'd think.


Anyway after that I googled a bit harder and got the number for their centralized PPI people who gave me an address and promised to give me an acknowledgement within a week. This was on 30/09/10. That same day I wrote to them and have only received a response, dated 01/11/10.


The response fobs me off with talk about the court case mentioned elsewhere.


Do you think I can write to FOS now since it's not my fault they closed their branch without forwarding mail? or should I wait until the end of the month after writing to HFC saying I don;t accept their fob off?

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The FOS has issued a questionaire sheet which banks have been sending out to claimants to fill out and return.

Nothing to stop you lodging a complaint with the Fos now.

Although there is this issue with the BBA challenge-some claims are still being filed in Court.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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