Hi, I had a Final Decision with the words " where there is incomplete evidence" after doing a bit of research 3300 Final Decisions, I found over 25% had the same wording in there Final Decisions. Does yours or anyone else's state these words. Thanks

I received a reply from the Fos with the words Where there incomplete evidence. After doing some research on 3300 Final decisions I found over 25% had the same wording. Has anyone else received a final reply with these words included

I for one am utterly disgusted in the way FOS has dealt with valid complaints I have sent to them.

 

They are exceptionally happy to accept illegible application forms as concrete proof the a DCA may continue to hunt one without mercy or without challenge.

 

They also told me that once a bank is "satisfied" that it is correct about a debt then a debt is no longer considered in dispute, just because a debtor considers it to be so. This is plain silly, utterly biased in favour of the lender and outrageous.

 

All this flies in the face of OFT guidelines and the law and MUST be stopped.

 

FOS is clearly acting over and above their remit as an impartial (lol) body.

 

They will "impartially" listen to your many detailed complaints and then smugly tell you that a DCA is acting quite properly/professionally in line with the internal collection procedures; i.e. ringing you against your wishes at all hours and writing baloney to you on a regular basis. They will tell you that they are NOT a legal body but they will tell you that a shark is legally- entitled to pursue you with nothing more than an unreadable application form for proof of an alleged agreement- a worthless form that may or may NOT have been accepted many years ago.

 

They have taken the side on banks and aggressive DCAs and this can only harm millions of ordinary consumers.

 

I cannot express my revulsion for this coterie. I hope that even more whistleblowers come out and expose them for what they are – a banker puppet!

 

My advice is to recreate an A4 application form that is illegible (the harder to read the better). Then roll over it with a muddy car tyre. Next send a red-letter demand to some DCA manager for a million quid and when they refuse to pay you tell them to grumble to FOS.

Now if FOS is consistent they will impartially examine the muddy application form and tell the DCA gaffer that they cannot help them as a valid and enforceable agreement obviously exists......

 

Jeez - don’t get me going on this lot...........

 

Chocolate teapots are more use to consumers.

I complained about my Bank, the adjudicator wrote to BANK and said she did not believe myself or my wife transferred funds from our personal account to our business accounts. She asked them produce evidence or she would uphold our complaint. She was taken off case a new adjudicator took over and ignored the lady's request for info. He turned DOWN our complaint because the bank did not give the fos info. A year earlier the Bank had investigated the complaint. They had no vouchers or notes to say they had authority to transfer funds over a 3 yr period. The fos did not receive this info off the Bank. They purposely did not disclose this info. I forwarded this to the Fos and I was told because the final decision was made. There was nothing they could do. I asked if there were ever any decisions or final decisions ever reviewed. The fos has said they have but did not record the figures. THE FOS ARE A JOKE. There is no where else to go except court. Complained to the Fos Independent assessor who only look at the way the complaint was dealt with. Not the facts of the complaint. Beware the fos use up valuable time. You have 6ys to take your Bank to court if they have done something wrong. They take an age to answer your complaint. The fos do the same. Seek legal advice as soon as possible and beware the legal system is as bad as the fos. Choose a Solicitor who expertise is Banking. Email every thing that has been discussed. Make sure the Solicitor writes to you with what he has told you and what he or she intends to do. I can give you £1,000,000 reasons why you should do this. BE CAREFULL WORDS CANT BE PROVEN IN COURT