Claiming MPI when turned down by FOS

[filrobbo]

Hi everyone, and happy new year, just got a letter back from FOS stating that they have not upheld my complaint about mis-selling of MPI by the Yorkshire Building society. I was told when I opened the mortgage account that it would be better for me to take the MPI, at the time I was reluctant to do so ,the mortgage adviser said it would look better for the mortgage and had to run concurrent with the mortgage. This is their final response this is the first time in 5 years of claiming this as happed I took out the mortgage in 1998 until 2002, I have claimed back ppi from other mortgages and loans take out in the 80s, so is it court action or will I be wasting my time and money would it be better just to let this one go. Thanks

[fkofilee]

This is what the ombudsman are here for!!

 

Over half of the cases referred to them get overturned for the benefit of the consumer! (those stats were posted by them)

So id take the final response and get them to investigate it... contact details below;

 

"0300 123 9 123 or 0800 023 4567

Monday to Friday – 8am to 8pm

Saturday – 9am to 1pm

 

email [email protected]"

[filrobbo]

I have had final response from the FOS and have sent letter back,not accepting their findings .

[fkofilee]

Im ever so sorry , i missed that part.

Im thinking it might be worth letting it go... Going the legal route might be a little difficult if not costly.

[filrobbo]

Carnt complain to much, l have done well over last 5 years with back charges and ppi reclaims,but never had this happen but has they say carnt win them all.

Edited January 4, 2014 by filrobbo

[filrobbo]

I mite just send Yorkshire building society a letter before action, to see what happens you never now if they think I am willing to go to court they mite pay up.

[t18con]

what about asking the FOS for all the info they used to make their decision? see if there's something in there that you weren't aware of...

[filrobbo]

Thank you t18con I have all the paper work, but its run its course with them, I carnet appeal this was the last stage.