Hi can some one please help me had acomplaint with fos for seven years got final decision in my favour 2 months ago but wont pay as there are no copies of the loan agreement fos has asked me for my calcs and also an offer that i would acccept ive got the court papers but not sure if broker could hold the hearing with a stay of exicution it seems to me that the ombudsman has made an award that can never be fully implemented because intrest rates canot be found and this gives the broker reason not to pay any help on how i take this forward with both the fos and court proccess would be great thanks in advance

Hi thanks for your kind words loan was7500 ppi was 1811 paid in full after 12 months i went down and got the court papers today and phoned fos for a sar have spoken twice to fos today and it seems that the sticking point is that the broker canot work out the the intrest on 12 payments i paid as no loan agreement exists my problem is that ive been advised that if i go to court company my be able to ask for a stay of exicuton fos has come back to me and said can i email them with the redres i expect and a amount i would accept as a final offer i have done this but dont know if ive done the right thig there was no mention of how to obtain the sar i realy think the dont want me to go down this route

Ive had my complaint with fos for 7 years got final decision in my favour 2 months ago but company wont pay say they dont have all the figures phoned today and was told sterling had a meeting at the ombudsman but no one fos could attend told it may be several weeks untill a new one can be set up i think its a case that if the company dont play ball the fos cant realy do anything and there is no feal help on the net on how to enforce a final decision