Thanks for comments.
Its to do with Payment Protection Insurance bought with loan I took out.
Without going into too much detail - Was advised, by bank offical by phone, after been laid off from work that my Payment Protection Policy would not cover me.
I disagreed and argued over the point. I stated that I paid out over €1,000 euro on the insurance for on ly to be told it would not cover me.
This has been going on for some years before finally appealing it to Ombudsman.
The other party informed the Ombudsman that I met with them and they advised me to make an application to the underwriters. This meeting NEVER took place. I asked them to provide doc evidence that meeting took place. They could not do so.
They also claimed that the contacted the Underwriters on my behalf. I made a request under the Data Protection Act to the underwriters and asked for proof of such contact. They could not provide any doc proof either.
My complaint was that I was wrongly advised in relation this matter and as a result no claim was made to the underwriters.
The Ombudsman found the Banks version of events more plausible even though no docs evidence could be produced by the bank.
Would appreciate any help in this matter.
Just a note to Brendan - If everyone took that view, then no appeals to any cases would be heard. Appeals are necessary in the interest of Justice, Fairness and Equality. Furthermore, under the Legal Aid Act, if a Solicitor/Barrister finds that a person has a reasonable chance of success, then Legal Aid should be granted and if successful, costs paid back to the Legal Aid board for any monies awarded.