In February 2014 there was a ruling by the Court of Appeal that a complainant cannot accept a redress from the FOS and then go on to take the business to court for additional redress over the same complaint. Are there any further update to this case which concerns Barry and Julie Clark regarding In Focus Asset Management & Tax Solutions?

If a case is upheld by an ombudsman and you are not awarded all your money plus costs from a final decision by the ombudsman. Can you sue the business in court for the balance?

Are you able to give any specific advice as to where I could take this matter to next?

My case is regarding mortgage mis-selling in 2007. When I found this out, I submitted a claim to the FOS in 2014, an ajudicator upheld a decision in my favour in 2015 to put me back in my original position before the mortgage mis-selling. The business appealed the decison, and that is when the FOS procrastination began. They gave me numerous deadlines as to when my case would be concluded, none of which materialised. Finally after a seeing a program on national TV Dispatches Undercover: Who's Policing your Bank, I contacted them and I received a Ombudsman provisional decision in March, 2018. Once again the same pattern of chasing them and them given broken promises and missed deadline has resumed. I waited 3 years to get a provisional decision. I have already submitted an SAR, and have only seen 3 emails from the business in 2016, none of which had any new evidence. Are they in which I can get them to issue a final decison, without having to wait for another 4 years?

An ajudicator made a decision to uphold my case 4 years ago, however the business appealed the decision. After constantly chasing the FOS over a period of 3 years and numerous missed deadlines, six months ago an ombudsman made a provisional decision again in my favour, however I was stripped of costs which the adjudicator had awarded. To date, no final decision has been made, and the pattern of broken promises for deadlines, and constant chasing them for a final decision is still ongoing. What can I do to get them to make a final decision after 4 years of the stress of this case and struggling to survive financially?