Thank you for your letter of XXXXXX, but without even attempting to enter into any meaningful dialogue, you have decided that you have now provided your final response.
What you have sent me clearly cannot even be considered an initial response to my complaint – let alone a final one. You haven’t asked me what reasons I have for considering the PPI as mis-sold, yet you say you found no evidence of mis-selling. You clearly have not looked for any such evidence, and simply appear to assume that I was not mis-sold the PPI policy.
I have thus been forced to take further advice on this, which I had hoped would not prove necessary. Please be aware that I shall be seeking compensation additional to the redress you will be required to make, due to your treatment of my complaint. I would suggest that you now try and limit your liability in this respect by responding properly.
Your response falls far short of what is expected by the FSA, and I am sure you will agree that your conduct thus far will not be looked upon favourably by the FSA, the FOS, or the Courts, if you force me to take my complaint to them.
May I respectfully ask that you now refer to Disp App 3.2.1, 2 & 3 of the FSA Dispute Resolution Handbook, and to the entire section Disp App 3.3, then seriously consider dealing with this complaint properly. If you are then neither able nor willing to deal with this complaint properly - in compliance with the FSA – I must insist that you pass it to someone who is.
I genuinely hope that your response thus far has been made in error, and I am prepared to accept that, if you can now demonstrate that this is not your normal method of dealing with PPI complaints.
I thus look forward to your co-operation by sending me a proper response, in compliance with the FSA policies.