Thank you that is vary helpful.
I would like you to answer another question that I will be happy to pay another fee for.
Another issue has arisen about the date and how I was informed about the Final offer, and the final offer its self.
On the 7.8.14 the insurance co phoned me and informed me of their decision that they would not be paying out on my claim and they would be sending to a final offer letter to me stating this.
The date I gave you before 7.8.14 was the date they phoned me and the date the letter was dated, but I did not receive the letter until after the 12.8.14 as I had emailed my insurance broker telling him I had nor received anything yet.
I sent by recorded delivery post, my complaint to the ombudsman on 9.2.15 it was delivered on 10.2.15,
so if you take the time from when I received the letter to when the ombudsman received my complaint it is within the 6 months.
so what is the official stand point in this case
Does the phone call constitute me receiving their final response?
Or must I receive it in writing?
Is it the date the letter was written on or the date i received it?