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Last week, the British Bankers' Association (BBA) has requested a judicial review of new FSA, rules that govern how complaints are handled. At the time the FSA said that banks expected to continue to deal with payment all the protection insurance (PPI) established selling claims while the investigation was underway. But banks are more clashes with the regulator on the sale of this insurance by saying that any complaint "directly affected" by this review will be queued until the action is set.

This review should not be heard in April of next year, at the earliest, it could be months before that these complaints are résolues.Ces delays affect applications with most banks such as the Barclays, Lloyds, HSBC, Royal Bank of Scotland.

"Santander, however, who is owner of the Abbey and Alliance & Leicester, said it supports this review BBA and will continue to handle all complaints PPI"as"normal".

The BBA has not specified the type of complaints key Informants would be deemed "directly affected" and is not affected by the action. Would it quantify what proportion of complaints now face delays for their claim settled. Clients must be informed when they record a complaint if they are assigned, but said a spokesman for BAA.

Consumer groups have reacted with colère.Un spokesperson who?, who has long campaign fact on this issue, said: "we see no reason why the Bank should not continue to deal with all PPI complaints."Using the judicial review, as an excuse to legitimate complaints pending appears as an attempt to shamelessly duck to repair customers they are entitled. ?

The dispute focuses on the new rules of the FSA, due to come into force on December 1, indicating the banks must examine the PPI complaints against standards of sales, designed to eradicate highly pressurized tactical sales.

According to Martin Lewis Moneysavingexpert.com, these reviews may lead to compensation for up to three million customers, costs of approximately ￡ transmitters.

Daniella Lipszyc, a lawyer and Director of the law, said: "it is outrageous that banks are complaints from clients on the PSP in attente.Des hundreds of thousands of people will be affected by this decision, given that about 50,000 requests are processed by industry each mois.Encore once action banks has a harmful effect prejudicial to the consumer." It's usual tactics of lenders who show they can do what they like and no one is capable of putting an end to their antics - not even their own regulator.?

While should consumers?Those who feel that they were being sold a PPI policy should ensure that they still file a complaint with their bank or lender who sell the lenders politique.Les are required to treat all requests and say to the client if the complaint is placed on.If it is not delayed, the lender is required by virtue of the FSA rules to deal with your complaint as usual.

However, if you receive a letter saying that the claim is pending due to judicial review, the FSA said did nothing to stop you take the complaint to the ombudsman, who will be still consider your case and examine evidence rule or your policy was being sold.

According to recent statistics related to PPI complaints Ombudsman, it is for the consumer in case of more than eight to ten.Is much potential than its average rate of respect. "

A spokesman for the Ombudsman stated: "customers have vendor who sell policy PPI first complaint if after 8 weeks, they are dissatisfied with their answer given while they are free to refer the complaint to nous.Nous strive always to receive complaints PPI.".

It is unknown if the FSA will have more appeal against banks on their decision to some complaints tenir.Récemment accused banks to mistreat procedures for complaints by dropping out legitimate complaints, knowing that many customers would not continue their.

Consumer groups urged that people put sold PPI is persistant.Mme Lipszyc said: "the FSA is facing a revolt by those whom it regulates and it is understood that the regulator intends to strong action."She understands that the FSA plans filed an injunction against banks or.

But the BAA said: "the members of the BAA will continue to manage all key Informants complaints, in accordance with the rules of the FSA .but there are some complaints that would be directly affected by judicial review and that cannot be resolved at this time," says.

"Customers should be assured that all complaints will be reviewed - even those delayed by this process of revision judiciaire.Il has no date limit for receipt of the complaints."

If customers have a problem with the PPI, they should contact their bank and complain about the normal way.?

PPI is usually sold alongside loans and credit, offering protection refunds if the borrower is unable to work think that the poor state of health or the redondance.Cependant whereas banks received payment of substantial commission for the sale of these policies, many failed explain small characters, which meant that some buyers have never been able to request valide.En addition, premiums were often grouped in the cost of borrowing, making it difficult for customers to compare the costs properly.

As shown in the calendar, the last ten years have been a plethora of investigation reports, fines, well documented and widespread problems with the PPI market implementing measures.

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