It definitely is worth it. Don't let them confuse you and if you send anything by post, send it via first class recorded delivery. Stick to the facts and keep any emotion out of your communication with them. It sounds stupid, but there have been so many times I have had to take a step back from what I am doing. In some cases, where they've really wound me up, I do nothing for a couple of days then go back to it. Best of luck.

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

I had two loans in the past with Black Horse (Finance as they were back then). One day I received a letter advising they were not upholding my complaint because they had not received the paperwork they requested from me, by a date I can't remember. However, that letter pre-dated the phonecall I had with them which is when they requested the paperwork i.e. the woman had already drafted and posted that letter before she's spoken to me! Anyway, when I emailed their CEO with this information, he was good enough to respond and acknowledge they'd screwed up. I received a phonecall from someone else going over the details of my claim and what I had confirmed in the paperwork. I was told they would be in touch in writing with their decision. A couple of days later, I received a letter from the same woman who had written to me previously to tell me my complaint wasn't being upheld, to advise that although my claim pre-dated regulation (which meant my complaint fell outside of the jurisdiction of the Financial Ombudsman Service), Black Horse had reviewed my complaint again, were upholding it and would issue a cheque totalling £4,147.54 to cover payments I'd made plus any interest that had accrued on the amount. The cheque arrived about three weeks later. It's hard, but keep going. There is light at the end of the tunnel.