Consumer Action Group envelope labels
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Let your bank know that you won't give in.
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Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | | 
2nd April 2008, 21:30
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#21 (permalink)
| | Platinum Account Customer
I am in: South west
Posts: 1,570
|  Re: Complaining to the Financial Ombudsman Service
I've done my first draft of 'other details to help us understand your complaint', and it runs to 5 pages! Obviously most of it is very personal, however the general gist is:-
Background from when I first became ill, initial problems with DCA, first complaint to FOS.
Escalation of harassment and events leading up to 2nd FOS complaint.
Events whilst complaint ongoing, leading to CCA request and non-compliance.
Correspondence with OC regarding legibility of agreement supplied and inaccurate statement of account leading to 'put up or shut up' letter.
Issue of final decision on second FOS complaint. Immediate resumption of harassment and events since.
Effect of harassment on my health and life.
Current situation and need for there to be some final solution to this problem.
A lot of the information is very factual as you might guess, but there's also quite a lot of 'subjective' stuff in there - like how the sheer frustration of trying to get a reply out of DCA sent me searching on the web where I found ......drum roll please .....CAG! Oh, and there's plenty of well-chosen adjectives to describe the frustration etc. too. Maybe the next job will be drawing up word lists for describing frustration, embarrassment, misery, humiliation, bullied .... I could go on forever.
__________________ RMW
I am not an expert in law, finance or any related field, I just read a lot. Any advice is based solely on what I've read so please don't take it as gospel without checking it out yourself. I prefer not to give advice by PM. If you want me to look at something, send me a link to your thread, and if I can help I'll reply on there.
Last edited by reallymadwoman; 3rd April 2008 at 14:47.
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2nd April 2008, 21:31
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#22 (permalink)
| | Platinum Account Customer
I am in: South west
Posts: 1,570
| Re: Complaining to the Financial Ombudsman Service
I got two blobs! | |
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2nd April 2008, 21:34
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#23 (permalink)
| | Platinum Account Customer
I am in: Right behind you!!!
Posts: 1,341
| Re: Complaining to the Financial Ombudsman Service
Quote:
Originally Posted by reallymadwoman  I got two blobs! |
Was it my tick that done it!!?
Jeff. | |
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2nd April 2008, 21:37
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#24 (permalink)
| | Platinum Account Customer
I am in: South west
Posts: 1,570
| Re: Complaining to the Financial Ombudsman Service
Might be, but no one is giving a name when they click, so I don't know for sure. Thanks anyway. I have two green blobs now so I'll be happy for at least a week! | |
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2nd April 2008, 23:38
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#25 (permalink)
| | Site Team
I am in: Lancashire
Posts: 9,829
| Re: Complaining to the Financial Ombudsman Service
Quote:
Originally Posted by Jeff2000 Was it my tick that done it!!?
Jeff. | Must have been because mine didn't 
__________________ GE Money Won unconditionally May 2007
NatWest Claim 1 Won unconditionally August 2007
NatWest Claim 2 Statements received - on hold
NatWest Claim 3 LBA sent - on hold
Brighthouse Won unconditionally August 2007
Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)
Next Catalogue - Statements recieved
Clydesdale Financial Services Won unconditionally February 2008
Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site.
You can e-mail me at steven4064 at consumeractiongroup.co.uk . However, please note, I will not give advice by PM or e-mail. Please send a link to your thread and I will do my best to answer there.
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5th April 2008, 11:11
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#26 (permalink)
| | Platinum Account Customer
I am in: South west
Posts: 1,570
| Re: Complaining to the Financial Ombudsman Service
I've been a bit distracted by other things for a couple of days, but I'll be finishing my complaint a.s.a.p and will post suggestions for the covering letter as promised. | |
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6th April 2008, 17:50
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#27 (permalink)
| | Platinum Account Customer
I am in: South west
Posts: 1,570
| Re: Complaining to the Financial Ombudsman Service
The covering letter as promised. Quote: With regard to the attached complaint form, I would like to draw your attention to the following:-
1. Two previous complaints regarding the OP have been dealt with under your references XXX and XXX, however this complaint refers to DCA, agents for OP.
2. I have not received a final, or any other, response to my complaint from DCA, and nor do I expect to do so. The time limit for a response expired on XX/XX/XX
I also enclose a list of the relevant correspondence, together with copies, full details of my complaint, full details of what I require this company to do, and further information in support of my complaint. | Pretty straightforward, really. I'm sure everyone could have managed that on their own.
Now there's just the scanning, printing, collating and packaging to do, then off to the post office I go. | |
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15th April 2008, 20:30
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#28 (permalink)
| | Platinum Account Customer
I am in: South west
Posts: 1,570
| Re: Complaining to the Financial Ombudsman Service
Complaint logged by FOS and reference issued.
Let the waiting begin.
Last edited by reallymadwoman; 15th April 2008 at 22:22.
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16th April 2008, 09:44
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#29 (permalink)
| | Classic Account Customer | Re: Complaining to the Financial Ombudsman Service
Hi RMD,
Just to say 'thanks' for such an excellent thread. I'm just starting an FOS complaint about MBNA so all your advice is very useful.
A click from me too
Best wishes,
MC | |
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16th April 2008, 12:55
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#30 (permalink)
| | Platinum Account Customer
I am in: South west
Posts: 1,570
| Re: Complaining to the Financial Ombudsman Service
I'll be happy to answer any queries/questions as best I can, and I do intend to post up the progress of my complaint as and when there are developments, just to illustrate the process. I hope it won't have to go all the way up to the Ombudsman this time though!
Many thanks for all the reps - I nearly have three blobs now! | |
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16th April 2008, 13:02
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#31 (permalink)
| | Platinum Account Customer
I am in: spired.
Posts: 19,680
| Re: Complaining to the Financial Ombudsman Service
Thread stuck. (well, I did it yesterday, but forgot to say so  ) Keep up the good work. (Not "nearly" anymore either.) | |
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16th April 2008, 13:37
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#32 (permalink)
| | Platinum Account Customer
I am in: South west
Posts: 1,570
| Re: Complaining to the Financial Ombudsman Service
Yipee! (I do the same when I buy more shoes too!) | |
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17th April 2008, 13:33
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#33 (permalink)
| | Platinum Account Customer
I am in: South Devon
Posts: 1,014
| Re: Complaining to the Financial Ombudsman Service
Excellent and useful thread RWM. a lot of great info for people dealing with the FOS that you have put a lot of work into. | |
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17th April 2008, 22:01
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#34 (permalink)
| | Platinum Account Customer
I am in: Lancashire
Posts: 2,169
| Re: Complaining to the Financial Ombudsman Service
excellent thread ...
might be an idea to start one titled 'COMPLAINING ABOUT THE FOS' as they seem to be totally useless in mediating (as opposed to agreeing with whatever the bank says) ... | |
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17th April 2008, 22:03
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#35 (permalink)
| | Platinum Account Customer
I am in: South Devon
Posts: 1,014
| Re: Complaining to the Financial Ombudsman Service
Quote:
Originally Posted by tifo excellent thread ...
might be an idea to start one titled 'COMPLAINING ABOUT THE FOS' as they seem to be totally useless in mediating (as opposed to agreeing with whatever the bank says) ... | I'd contribute to that kind of thread! | |
