Thread: Fos Or Fsa

Originally Posted by BOBLATCHFORD

What is the difference between the FINANCIAL SERVICES AUTHORITY and FINANCIAL OMBUDSMAN SERVICE ?
Who do I send my complaint to ?

If you have a complaint on the mis-selling of PPI then the fos is the organisation that will address the complaint. However you can complain to whoever you want. My complaints were to the FOS who will deal with you complaint but also to the ICO, OFT, FSA and the BBA.

This is a copy of my complaint to the ICO but copied to them all.

Submission of a Very Serious Formal Complaint against the Royal Bank of Scotland

Despite several further requests for the information as required by my S.A.R - (Subject access request), none has been forthcoming.

Letters have been sent on:
24 January 2008
16 February 2008
12 March 2008
28 March 2008
2 April 2008
12 April 2008
12 April 2008 Request for CCA under provision of Consumer Credit Act 1974
19 April 2008

I have still not received Consumer Credit Agreements with associated paperwork on four of the loans. Because of the inordinate delays, the information requested on the first loan which was refinanced in March 2002 would be of no use as any claim against that loan would now be statute barred within the Scottish Courts.
I have not received data in the name of recordings of telephone conversations or transcripts of those conversations between the RBS and myself.
I have not received copies of emails or letters which I know exist.
I have also not received any properly certified documentation by Data Controllers within the RBS stating the information that I have requested has been disposed of, destroyed or erased.

The Royal Bank of Scotland is a member of the British Bankers Association (BBA), is licensed by the Financial Services Authority and should I believe, operate within the Law of the Land and therefore respond within the statutory timescales within Legal Acts at Law, namely the Data Protection Act 1998.

I have, when asked, provided information to the RBS, but it seems to me now, that they will try and delay supplying the data requested by using whatever delaying tactics they see fit. On one occasion referring me back to DLFS for the information I had requested. The fact that the DLFS had been legally transferred back to the RBS on 1 March 2006 (the transfer included all DLFS loans) was obviously overlooked by the Data Protection staff within the RBS.
This is indeed an extremely sorry state of affairs and it beggars belief that RBS staff would not be aware this Legal transfer had taken place.

My understanding is that the RBS had 40 days to fully supply all the information requested in my Subject access request, this has most certainly not happened.

I would therefore like to request that each addressee takes the appropriate measures to instruct or at least direct the RBS to supply this information to me as a matter of urgency.

I have a complaint lodged with the Information Commissioners Office Case Reference xxxxxx
I would now urge the Commissioner to consider an Enforcement notice against the RBS under Section 40 of the Data Protection Act.
I would also request that the Financial Services Authority, the Financial Ombudsman Service, the Office of Fair Trading and the British Bankers Association add this extremely serious complaint to their files on the Royal Bank of Scotland.



Yours sincerely



A xxxxxxxxxxx
Distribution:

The Financial Services Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS.

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London,
E14 9SR.

The Commissioner, Information Commissioners Office, Wyckuffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

The Information Commissioners Office, Casework and Advice Division, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

The Office of Fair Trading, OFT Enquiries, Fleetbank House, 2-6 Salisbury Square, London, EC4Y 8JX.

Chief Executive, British Bankers Association, Pinners Hall, 105-108 Old Broad Street, London, EC2N 1EX.

The FOS are very helpful but also very slow due to the amount of complaints they are receiving and it is growing all the time. If you are not happy and want to complain the sooner you start the better IMO.

aa