Robins and Day misleading FOS

[lee79]

I was wondering if anyone has had this before.

 

I asked for an update from FOS on my PPI claim against Robins and Day.

 

I was told that they are objecting to the investigation due to it being outside the 6 months.

 

However, after chasing this up with the FOS I quite clearly am within the time frame.

 

I'm just within the deadline by around 2 weeks but obviously within it.

 

I just wondered what they have to gain from quite clearly lying even though the FOS have the dates with them?

 

I think their argument could be that the FOS didn't contact them until after the date so what is likely to happen?

[ims21]

The important thing is when you lodged your complaint with fos, not when fos chose to contact the company.

 

If your complaint was lodged with fos prior to the time limit then you should be OK.

[lee79]

That's what they pretty much said. Just got me worried that they mentioned it because if someone is obviously misleading them then it should have been shot down straight away.

[lee79]

Had the dates confirmed as;

 

Final Response from R&D as 30 March 2012

 

And

 

Complaint received by FOS as 25 September 2012.

 

Cutting it fine but within the time frame I believe.

[ims21]

Yep...sounds good to me.

[lee79]

Thanks ims. I was just concerned in case I missed something. So basically they're just trying it on.

[ims21]

Yep...it would seem so.

[lee79]

Finally got the reply back from FOS and not surprisingly they've agreed with Robins And Day.

 

This is despite them telling me that the insurance is better than the one I had as it was especially made for car insurance without even looking at the insurance I claimed to have (I didn't I just didn't want their insurance). They even ticked a check box saying I had told them I had insurance - so it's not their word against mine on this.

 

FOS has basically said that I was eligible to claim on the insurance. They also put 'From the information I have gathered, I think Robins & Day recommended you take out the policy' - yet, Robins & Day claimed in their reply that they didn't recommend the insurance, that I asked for it! So which is it?

 

So what get from this is that as long as there is no evidence then they can do what they want as long as under some sort of pretend future I might, even if it's the slightest chance, claim on the policy it's ok for them to lie.

Edited December 3, 2013 by lee79

[dx100uk]

I ont think we can ever decide without see all the paperwork

 

dx