Marc Gander - The Consumer Survival Handbook

A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.


Patricia Pearl - Small Claims Procedure - A Practical Guide

An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder Smokey1607 Novitiate

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    Cagger since : Sep 2016
    Posts : 22 (0.06 post per day)

    Default Legal Advice after FOS

    Long story short.
    After years arguing with RBSicon I took my complaint to the Ombudsmanicon.
    This was initially thrown out but I knew I was right so appealed and won.

    It's worth knowing that the Ombudsmans caseload is filtered by minions who know nothing about Financial Services and are clearly there just to deter people.

    the RBS had to refund charges,
    pay compensation etc

    the main issue led to other financial problems which led to court action which led to my credit rating being stuffed.

    The FOS say they have no jurisdiction over the Courts so I need to take independent legal action.

    Does anyone know of a solicitors who will pursue the banks?


  2. #2
    Basic Account Holder netacct Novitiate

    Follow Real_CAG on Twitter
    Cagger since : Aug 2017
    Posts : 4 (0.12 post per day)

    Default Re: Legal Advice after FOS

    Can you please share the details about the appeal? Any link to solicitor or info? I need to appeal against the fosicon decision and struggling to find any solicitor/info.

    Thanks a ton

  3. #3
    Basic Account Holder Smokey1607 Novitiate

    Follow Real_CAG on Twitter
    Cagger since : Sep 2016
    Posts : 22 (0.06 post per day)

    Default Re: Legal Advice after FOS

    I didn't use a solicitor for my appeal, did it myself. Although I won my appeal I wasn't satisfied but I got nowhere with further action against them because I couldn't find a solicitor who was willing to pursue it and have too much on my plate to waste more time - although its bugging me and I know I should.
    If it is your first appeal then it should be dealt with by the actual Ombudsmanicon and not the oik who turned you down the first time, they're just there to filter appeals and get rid of people as quickly as possible and know bugger all about FS. It's only because I used to work in a bank that I absolutely knew I was right.
    If you're not sure of your position and cant find a solicitor to use then contact Citizens Advice. Is it the same issue I had, Right of First appropriationicon, or something else with them?

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