Let me deal with your “silence” offer first.
Legally, they haven’t accepted.
They cannot except by silence.
There is already case law and if you Google Felthouse v Bindley it will give you plenty of reading.
So you can not rely on them cancelling the account based upon their silence!
At least you can until the law changes and I think that’s doubtful because it’s a 19th-century case which is still good law which is well settled. It depends whether whoever your communicating with is aware of the law. Perhaps not.
Whilst you can wait for the ombudsman, there is no saying that the ombudsman is going to give you the result you want. You need to remember also that your complaint will not initially be dealt with by an ombudsman, it will be dealt with by an “investigator” who to be frank, in my experience, have made some absolutely stupid and idiotic decisions. You can then ask for it to be passed to an actual Ombudsman (I thought that was what you were doing in the first place but it seems not!) Who will invariably uphold their colleagues decision!!
So if you want something done sooner rather than later, you can always issue court proceedings. However if the court proceedings are defended it could easily be 12 months before it gets to court so it only makes it sooner if the bank decide they don’t want to go to court and they want to settle.
I know this is largely not the answer you wanted.
I am glad to help.
Hopefully, I have answered your query in a way that is simple and easy to understand.
I would be more than happy to clarify anything else for you. In the meantime, thank you once again for using our services.
I am happy to answer any specific points arising from this.
Please be aware that my answer is based strictly upon the information you have given me.
If you still need any points clarifying, I will be happy to reply because the thread does not close. In fact, it remains open indefinitely.
I am always happy to answer any further questions you have on any new thread in which case, please start your question with, “ For FES only”.
You don’t need to do it on this thread, just a new thread. You have me exclusively on this one.