1. Limitation act - 6 Years is from the date of Breach. 6 Years from date of 'knowledge' only applies to Tort claims (basically and generally this is Personal Injury only). So you could only claim 6 years form when you claim. And even if it was from knowledge, the FOS upholding a claim would not be 'knowledge' - Knowledge is when you have some idea that you might have been wronged, and some idea of the identity of the wrongdoer.