Financial Ombudsman - a recommendation - Page 12

steppenwolfe · 8th February 2007, 18:00

Nice thought. I will do this when I start the process. Will also send a copy to my MP and OFT

Battleaxe · 8th February 2007, 18:52

I have lodged a comp,aint wiht the FO regarding A & L closing our account on 4 March 2007. They want so much information but heck why not if I amgoing to another £125.00 out of A & L.

This is going to be interesting/

mikesmotor · 8th February 2007, 19:14

I've just written to Lloyds TSB telling them that I have no intention of involving the FO in my dispute with them. I also said that in my opinion the FO is a toothless waste of tiem whom I suspect is in their (Lloys TSB) employ

Mike

Perseus · 9th February 2007, 16:58

Thanks Liz - I had already signed this, but looking through the signatures, my name does not appear!, my better half also put her name to it as well - and guess what - not there!
Hmmm Whats happening?

di0430 · 20th February 2007, 18:36

Hi,
As promised I said i would keep you informed of the progress of my complaint of which is with the financial ombudsman regarding my ppi.
Today i received a letter

to inform me that my case has been passed over for investigation with the Casework Manager, and that they will keep us informed of the progress of the complaint.

We have been waiting for this since Nov 2006, as the last letters we had were informing us that it would be a few weeks yet before they do this due to the large volume of complaints.

Lets hope this one won't take so long lol !!!

Anyway, i will get back to you as soon as i hear more-cheers.

Di xx

The old chap · 21st February 2007, 21:38

Well we could just not wait any longer for FOB. They were still messing about and not answering the questions of How the bank offers were made up so told them that they werenot really working for us but to make them selves look good by just asking the banks.
Letter to bank monday 14 days or else. Now we shall see as it is them and us.
Regards

Niklowe · 10th March 2007, 19:01

I added this to the end of my complaint to the FOS

Quote:

If, as you have replied to other complainants, that you have no authority to change policy, this would beg the question of the need for the existence of the Financial Ombudsman Service at all.

The old chap · 11th March 2007, 11:10

Well, we wrote to the Ombudsman and again asked him to explain how he arrived at his figures and a breakdown on how the figure had been arrived at. Had a letter back basically saying that he did not explain things like that. If he thought that it seems resonable it should be for you too. Interest, no, not in his remit. So papers in the court and we await on the bank. Fun aint it.
The old chap.

joneshousehold · 11th March 2007, 11:25

What about complaining to FOS about their own actions. I did and got a very nice apology with a comment about a training need. It won't help you much I expect but it will make them explain themselves a bit more. Also don't they have to publish figures about their own complaints. If they get too many it may begin to attract some attention.

The old chap · 12th March 2007, 20:29

Thanks for your mail. We found even talking to them on the phone did not get far. They dil not explain how they came to their answers until we wrote to them and said we are going to court. Then we had an 'opinion' back but even then there was no real explaination. I think the arbitratrators are a bit full of them selves as one cannot really chalenge what you domnot know as a layman. So wait for the court now.

Battleaxe · 12th March 2007, 20:42

If I wasn't so far away I would go to Court with you.

johnyboy · 17th March 2007, 13:13

Sent my letter:

Quote:

Dear Sir

I am writing to let you know that I have no faith in the FSA to act in the public interest or to regulate the banks and so am taking action myself against the Halifax for illegal charges.

I realise that you are concerned about receiving over 150 complaints per week, but the consumer action group, of which I am a member, receives over 4000. This suggests to me that the general public has more faith in the help and support of the CAG than it does in the FSA.

I would also like to express my grave concern about the future prosperity of the UK if the banks continue to destroy people with excessive charges to which you appear to turn a blind eye and if the courts continue among other things to raid pensions.

I foresee a massive drain on the UK economy in the future as those tens of thousands of people who had their pensions stolen to fund illegal bank charges are forced to rely on the state to survive and anticipate a dramatic rise in the social problems that will go hand in hand with this.

By your inactivity now, you are building a very dangerous future.

Regards

Johnyboy

Battleaxe · 17th March 2007, 13:33

Quote:

Originally Posted by johnyboy

Sent my letter:

Ooops FSA is the Financial Services Authority, FOS is the Financial Ombusdman Service, two different beasts.

johnyboy · 17th March 2007, 13:39

never mind, it can go again.

I don't trust either of them anyway

Struggling_Simon · 28th March 2007, 09:59

Quote:

Originally Posted by bill-k

Battleaxe - Like you, I sent the FO my stiff e-mail, and got a reply inviting me to make a formal complaint if I wished (by sending in all the evidence , etc.) - I replied, declining to, AT THAT TIME. If you haven't received such an e-reply within a day or 2 of you sending your original stiffie, then I reckon they're getting swamped already !! They might even be GETTING THE MESSAGE at last !!!

You say you're not playing fair, but you're playing by their rules, aren't you ? Who's to say that's not fair then, eh ? That's reciprocity and mutuality in the raw , innit ?

Fell Outta My Tree Laughing at this one...Do you mean to say that YOU have actually been honoured with a communication from MBNA's Assistant Vice President ?

Whoa - RESPECT !!! Makes you think you're being taken notice of, for once, doesn't it !!

I, too, felt just as important when I got a letter PERSONALLY signed by their Assistant Vice President. You've just burst my balloon, though. The AVP who signed MY letter was a Susan Pemberton.

They're ALL Assistant Vice Presidents, then !! There's a whole open-plan typing-pool full of 'em.

To me, that sums up their bl**dy attitude.

Yours (ever so slightly) sincerely

Bill-k
Chief Assistant Vice Under-Manager to the Chair.

MBNA will be most likely working to the 'American' business model for financial institutes. This 'Assistant Vice President' title (AVP) usually signifies that the person has been working for the company for a year or more with some (in-house) accreditations.

It's just a administrative grade. They usually follow the flow thus :

1st day to day 365 , Job title.
After day 365 , Administrative Officer(AO).
Once they qualify (in-house) they have the right to call themselves AVP.

Do NOT be fooled, these guys probably do not have any control at board level, nor even hold any shares, they'll most likely be worker-bees just like you and I.

In any event, a title doesn't give you nobility, dignity or respectability. It's not even indicative that you have any 'power'.

Everybody knows that you don't need to have a fancy title to have the qualities mentioned above,though.

repect to you all,
Simon.

Battleaxe · 28th March 2007, 12:50

Siomon,

You are right, we woke up to this ages ago. I suggested they put their names into a hat, job titles into another hat and what gets pulled with their name, like the football draws, this is their designation for the following month. We pay no attention to their titles. They are drones in the hive.

DANIELLESMUM · 29th March 2007, 12:02

Hi people

I have been a busy bee this morning... So far I have added my signature (and emailed the link to everyone I know) onto the petitions regarding bank charges, and also tax credits.

I have also emailed the FOS to tell them what I think of them and that I won't be dealing with them, and that I will be pursuing everything directly through court.

I have explained that although G E Money (Grrrrrrr

) have referred me to them (FOS) as the last port of call when a complaint cannot be resolved, as the FOS say they have no power to intervene on the levying of charges what is the point?

I also advised them not to bother referring me to the FSA because I actually went there first and I went to the trouble of doing a full formal complaint and then the FSA subsequently advised me it all falls outside their remit and "The Financial Services Authority (FSA) is unable to intervene in or seek to resolve individual complaints", and they advised me to contact the FOS.

So as no one seems willing to help me or give me any advice (other than my many new found friends at the CAG who have given me the courage to tackle all this) then I will be taking on G E Money myself, but that I thought they (FOS) had a right to know that people have no faith in them.

DANIELLESMUM · 29th March 2007, 12:07

Having re-read my recent reply from the FSA (which was a polite 'go away') I noticed.....

•Complain to the firm in the first instance to give them an opportunity to investigate your complaint and, if appropriate, put things right. Our rules require firms to investigate your complaint within eight weeks.

•If your complaint is not resolved to your satisfaction, you can ask the Financial Ombudsman

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.