Gah!
And today I get a big scary looking packet from the financial ombudsman service -- it's my big packet of complaint paperwork that I sent friday before friday before last (just over two weeks ago) being returned.
Because apparantly the bank telling me that they're not going to pursue this matter further and I should sue TPSL is *not* a final letter. Or not final letter enough. A final letter has to mention the FOS in such a way as to give permission for them to intervene.
A 'pursue your other options' letter is not a final letter. A 'you can go to the FOS' is not a final letter. Lloyds TSB very carefully did not word their last-letter-we're-sending-about-this letter as a final letter.
The letter I have... it's just a letter telling me they're not going to do anything more (yah boo ha ha ha gotcha!) They have ten days more to send a final letter.
And if they don't?
THEN I get to send the entire complaint package back to the FOS.
In ten days.
I send all this paperwork back.
...
And the wheels of the FOS would appear to grind rather slowly too.
(plus there are a LOT of people the credit card companies are playing these games with)
...
I guess it's not bad news, just no news very emphatically announced, but -- and maybe this is writerly conditioning -- I was somewhat less fretted when all the paperwork was off with the FOS. I'd done what I could for now and it was just about waiting for an answer. I felt a degree of relief.
But this is me having to remember to send this package off again (the Friday before my birthday), and having to keep on thinking about it for the next two weeks, instead of trying not to remember that this is dragging on, and on, and on, with no end in sight. (And this is me with a sick feeling in my chest and the helpless-hopelesness of being in a situation I can't fix or even pretend to be fixing -- or be choosing to leave unfixed)
I thought, back last November, that I was being a tad pessimistic that it could take till the end of February to clear this up. Now optimism says 'maybe by the end of July...'
And the laptop keyboard and I still dislike each other.
Because apparantly the bank telling me that they're not going to pursue this matter further and I should sue TPSL is *not* a final letter. Or not final letter enough. A final letter has to mention the FOS in such a way as to give permission for them to intervene.
A 'pursue your other options' letter is not a final letter. A 'you can go to the FOS' is not a final letter. Lloyds TSB very carefully did not word their last-letter-we're-sending-about-this letter as a final letter.
The letter I have... it's just a letter telling me they're not going to do anything more (yah boo ha ha ha gotcha!) They have ten days more to send a final letter.
And if they don't?
THEN I get to send the entire complaint package back to the FOS.
In ten days.
I send all this paperwork back.
...
And the wheels of the FOS would appear to grind rather slowly too.
(plus there are a LOT of people the credit card companies are playing these games with)
...
I guess it's not bad news, just no news very emphatically announced, but -- and maybe this is writerly conditioning -- I was somewhat less fretted when all the paperwork was off with the FOS. I'd done what I could for now and it was just about waiting for an answer. I felt a degree of relief.
But this is me having to remember to send this package off again (the Friday before my birthday), and having to keep on thinking about it for the next two weeks, instead of trying not to remember that this is dragging on, and on, and on, with no end in sight. (And this is me with a sick feeling in my chest and the helpless-hopelesness of being in a situation I can't fix or even pretend to be fixing -- or be choosing to leave unfixed)
I thought, back last November, that I was being a tad pessimistic that it could take till the end of February to clear this up. Now optimism says 'maybe by the end of July...'
And the laptop keyboard and I still dislike each other.