My complaint is about who is repsonsible for a security breach of my credit card account. I am blaming a 3rd party company to whom I applied for a card for using critical information on that application to hack the credit card account in question (rogue employee).

Adjudicator ruled against me - I complained that she had applied a beyond reasonable doubt standard of proof instead of balance of probabilites. My complaint went up the Case Management chain and was fobbed off on each occasion so I put in a very strongly worded complaint to the Independent Assessor.

File gets passed on to the Ombudsman who writes to me and says he is aware of the complaint to the Assessor.

Then he issues a decision refusing my complaint saying that he has seen the fraudulent transaction it relates to and the Business are not responsible.

I asked for a copy of the transaction he had seen - since I had not supplied it.

The Ombudsman wrote to me stating he had made a mistake in saying he had seen the transaction but had based his decision on how fraudulent transactions are carried out and that there had been a fraudulent transaction in my case.

The evidence before him was that my account had been hacked not that my card had been used fraudulently. I have written confirmation of this from my credit card company who also confirmed that they have not shared details of that transaction with anyone.

He has basically fabricated the evidence he based his decision on. Aside from a renewed complaint to the Assessor any other observations?

I am in the same boat as you.

I complained about Halifax irresponsibly lending me money I couldn't afford to pay back.

I sent in emails details parts of the lending code and the bank lending criteria at the time of loan application.

The Ombudsman completely ignore this in their final response.

I report them to the FCA.

If I was you, phone them and ask for advice, or send them an email.

I did, and they are looking at my complaint!!

The are a waste of time just like the fca and the ico, all of them are over worked and underresourced and just make up the cases and the adjudication as they go along.

Disgraceful

Not much you can do.

You could email a complaint about the Ombudsman saying they were aware of the complaint to the Independent Assessor (unprofessional).

I've seen this spiteful behaviour many times.

Sadly, you even get it from Independent Assessor who told the FOS to stop work on a case. Low and behold, a final decision was produced a few days later and the order to stop work had 'got lost' according to the IA.

The place only employs liars.

FCA have said in the past that they specifically don't get involved with the FOS operational issues.

Only hope is maybe a threat of court action. Courts not easy to win, but some judges do take a dim view of companies bamboozling punters. Regulators generally seem to view genuine complaints as shysters, instead of the banks. This is despite the banks still actively pushing people to get into debt, whether they can afford it or not.

Know a bank worker who got low marks (and no pay rise) for not hitting loan sales targets. But she said she thought it was bad for both the bank and the customer if she pushed loans and credit cards on customers already struggling. She was angry when in the mid 2000s she saw the former head head of Midland Bank (now part of HSBC) admit to a Parliamentary committee that they were all doing this. They still are.