based on the fact they rejected your complaint? FOS uphold a majority of complaints in favour of the consumer so therefore are definetely not on the side of the banks. If yours was rejected then there would be a reason why.

you dont have a clue what you are talking about

since mortgage day in November 2004 commisions have not been secret. they the procuratrion the broker receives from the lender, they are listed on the key facts illustrations and mortgage offer. this is also not a charge for the consumer, its a fee for the lender to the broker for arranging the mortgage as this is how they get paid.

Yes you're right and I agree. But egg must have supplied documents to show all information was provided to him. The adjudicator has made a decision and considering FOS uphold a majority of ppi complaints there was probably no evidence of a mis-sale in this case. If there was evidence of a mis-sale the complaint would not have been rejected. Also the consumer has a personal emotional involvement in this complaint and is of course going to be angry when their complaint is not upheld. Fos are neutral and sometimes consumers may have to consider they may actually be wrong. Remember fos are independant and impartial. A lot of people seem to think they are there to be a consumer champion, but this is not the case.

Sorry, i do not understand, you chose to refer your complaint to them. how is that FOS wasting your time? remember we are lucky to have such a service and that is free to consumers. Because they did not side with you doesnt mean they are wrong. Surely if they are independant and in the middle, they investigated your complaint and did not agree with it. Remember, its you vs egg. egg have all the evidence that shows you applied for it, you chose it. and from their point of view, they had no idea whether it was suitable as they provided no sale/advice to you. they would not be at fault if you had existing cover or had a pre existing condition. If egg are in the wrong you need to tip the scales the other way.

Sorry, i do not understand, you chose to refer your complaint to them. how is that FOS wasting your time? remember we are lucky to have such a service and that is free to consumers. Because they did not side with you doesnt mean they are wrong. Surely if they are independant and in the middle, they investigated your complaint and did not agree with it. Remember, its you vs egg. egg have all the evidence that shows you applied for it, you chose it. and from their point of view, they had no idea whether it was suitable as they provided no sale/advice to you. they would not be at fault if you had existing cover or had a pre existing condition. If egg are in the wrong you need to tip the scales the other way.

First of all, Barclays have no obligation to grant you a overdraft increase just because you want one. Remember it can be increasingly harder to get credit then it was five years ago. There may be many factors for it being declined like: you have had some recent searches on your credit search, may not be on voters roll, it may be your income not high enough, you may have a lot of existing credit (remember although you have a good score and keep up the repayments there mayjust be too much of it), it could be just the economic situation and they just are not authorising overdrafts that high at the moment, it may not be that they authorise £1k overdrafts to non-home owner. it could go on. Your best bet is to try again in a month or so or maybe request a lower overdraft.

i consider Fos may have got that decision correct, but you have not stated what you complained about. Why was it mis-sold? from my experience, your complaint was rejected because: No advice was given to you, if there is a suitability issue, its up to you to check that. Their was no sale of the PPI, it was not sold to you, you applied for it online You made the choice to take the ppi, you had the option of not taking it when applying You would have been issued documents, so you could of cancelled it if it was selected in error. However, if adjudicator was rude to you, complaint to her manager. they record all calls.

FOS uphold a majority of complaints, perhaps you should look at it from different eyes and you may realise you are wrong.

FOS are not there to protect consumers. Regulation by the FSA is set out to protect consumers. FOS are an indpendant arbritator there to settle complaints between you and the bank/firm.

Fos is a free service, after this you would need to take it to court to persue it

how did you claim benefits whilst being a student and at that point recently working 60 hours a week?