Nationwide Loan Complaint made to FOS, outside of 6mts Final Response Letter - Refused but FOS says i could complain about stress?

[pencil]

Recently made a FOS cmplaint about a loan from Nationwide, but their lawyers used to loophole to have the complaint dismissed:

they said the FOS can't look into the complaint because it was made six month safter Nationwide's final response letter was sent.

 

The adjudicator got back to me and said I could complain for the stress caused.

What I want to know is would this improve my chances of arranging a final settlement offer with them for a reduced amount?

[dx100uk]

complaint about stress money to whom?

the FOS again? or i'd guess NW.

 

but know it won't reopen the old complaint.

 

typically if you can find new information that was not used during the old Complaint, them the whole thing can be reopened.

 

did you ever SAR Nationwide?

get everything tthey have ? then check?

what was the basis of the complaint

 

scan a few bits up to one multipage PDF

inc the FOS Letter , lets see..

 

dx

 

[pencil]

This is what I've got from the FOS :

I’ve reviewed your complaint since I was last in touch in December. This service can’t consider the complaint for the reasons explained in my email below. But its came to light that we may be able to consider some of the ancillary complaint points you mentioned, including complaint points about the loan being passed to a debt collectors, and being sent harassing letters which caused you a lot of worry.

 

Edited April 29, 2020 by pencil

[dx100uk]

gonna need to see your documents please..

 

scan the lot up to one multipage PDF please carefully read upload

 

and have you sent them an sar?

 

dx

 

 

[BankFodder]

Would you like to tell us the whole story from the beginning. Post it in a bullet pointed chronology without too much narrative.

I'm afraid that you've given us no information at all about the story so we don't know what the issue is.

There could be other more interesting routes than the FOS – and if the nationwide have blocked you because you haven't complied with the timescale, it might be possible to get them to change their mind. However, we are unable to say for sure because we have no idea what the story is

Incidentally, why did you let it go more than six months?