Financial Ombudsman????????????

[diggla]

Having trouble finding out where to go next.
I am trying to claim back £3169 from Lloyds TSB for my partner. I bank with HSBC, who have paid me £900 with no hassle at all I only sent them the letter of request and they paid within a week. TSB however are not playing ball and have sent a letter refering me to the financial ombudsman. What do I do now. Is there a letter????? We really need this money as we are expecting our second child and it would come in seriously useful. Hopefully somone can point me in the right direction

Many Thanks

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[barracad]

Hi. Do not waste your time with the financial ombudsman.

Read through the FAQs, especially the step-by-step guide which tells you what you need to do.

Good luck.

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[GaryH]

Don't worry, its just the standard rubbish.

Your last claim was definately the exception - most banks won't pay up without a fight, and this is especially true of Lloyds. In fact, I'd say Lloyds were probably the worst out of the whole lot. They stall, bluff, bulls**t and intimidate at every opportunity and they drag it out as long as they can. BUT, the important thing to remember is, that they ALWAYS fold in the end.

Take no notice of their bile whatsoever.

Stick to YOUR deadlines, follow the step by step instructions to the letter, and read up as much as you can on this site, and you'll get your money back in the end.

[diggla]

The letter from Lloyds is dated 7 July I now realise that I should have gone to money claim Is it too late Help

[GaryH]

No its not to late. If you have sent the prelim, then 14 days later the LBA, then file a claim ASAP. Its always best to be punctual and stick rigidly to your deadlines, but a delay of a month or two between the LBA and moneyclaim won't do any harm.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[mat02920]

Hi,

Try not to feel overwhelmed by the situation, Lloyds definately try to play hard and scare you into not carrying on with a claim.
I think you literally have to push them to the courts door before they will give your money back. This as it happens is a fairly lengthy process; I'm currently 2-3 months into my claim now I think.
As everyone has said make sure you read all of the FAQs and try to read other peoples threads.
You can always use this/your own thread to ask questions and get support. If your really not sure, always ask on here before you send anything off regarding your claim.

Anyways, Ill go now, Im making a habit of nattering on a bit .

Best of luck!