After taking out a mortgageicon with 'cowboys' we complained and it took years to sort out (3 & still ongoing issues). We got all our charges back and a little in the way of compensation which doesn't begin to cover the true costs. The company 'accidently' sent an eviction notice so you can imagine the call costs and time off work trying to sort that mess out. They lost payments and sent letters to say we were lying and were in arrears. An SARicon proved they'd had received them but had not cashed them, returned them or sent any notification.

It was also found that they had known about payment method issues and did nothing to help. They also refused to supply a table of charges or justify them.

The fosicon ignored many of the more complex points but we did win eventually and it put us in a better position. Still an ongoing battle to be had..

I'd do it all again but be better prepared as it's not as easy as they make it seems. Legal knowledge helps to argue your case as your opposition isn't going to hold back and you'll be expected to respond to their defence. One of their last letters did make me laugh as SPML ripped into the FOS for always going against them...they forgot about us.

Do it..it's free, you don't have to accept any offer. They know you are not sitting back and going to pay up or take poor services.