I complained about Capital One who were harassing me with phone calls even though I had already told them not to contact me by phone but to write me letters or emails. I logged a 5 week period and they phoned me about 130 times. I complained to the Ombudsman service and after their investigation their representative basically come to the conclusion that Capital One were perfectly within their rights to phone me 130 times in a 5 week period.I was astounded. Capital One without taking any blame offered me £75 as a goodwill gesture,which I turned down. I was claiming £600 compensation for harassment which the Ombudsman rep basically stated I had no chance of getting in his first phone call to me, even before he had done his investigation.
Anyway, I did some research and appealed to an actual Ombudsman. I included in my appeal quotes from a judgment from a UK high court in a similar case to mind, which wiped the floor with the logic of the guy who conducted the initial investigation. My appeal was successful and the Ombudsman offered me £400 compensation, which I accepted. I believe I could have got a lot more if I had by passed the Ombudsman and gone to court. So even though I was successful in the end, I expect a lot of people would have stopped when the original decision was in the negative. I really do not think a lot of the Ombudsman service, it was like the guy who conducted the original investigation was working for Capital One because he was just repeating what they had told me before. Absolute disgrace and I told him so.