Hi Dennis in debt here just thought i'd jot down my experience with the fos and lloyds..and the circus (DCA'S).. have a case with the fos since last december against lloyds treating me unfairly over a £1k o/d that i was paying back at £1pr month they passed to dca i stopped paying i got my final response letter last nov and all papers sent to fos...accepted ref given ...jan 2012 moorcroft writing telling me i must pay them i email back saying the case is with fos even quote fos ref..email fos they state that banks are allowed to carry on debt activity even though there is a case with themselves i email back fos stating i consider this to be unfair...their reply is that they have asked lloyds to discontinue collection activity and it stops for 3 weeks...then guess who...Robbers way start i inform them that case with fos same procedure goes on fos state they have asked lloyds to cease activity and last week letter back from rw saying they are no longer dealing with the account...point of this is that even in the face of a case being accepted by the fos and being investigated the very bank the investigation and dispute is with is allowed to carry on collection activities..there is something wrong with this system..thursday this week...guess who.....wesclots...so off i go again.....anyone else had the same experience..?.i will continue my battle against the circus.....

Recently the Ombudsman gave a desicion in favour of the Royal Bank of Scotland which I have totaly rejected. The is was a claim under section75 of the Consumer Credit act 1994 and also under the Misrepresentation act of 1967 for a credit card refund under these acts due to being conned by a holiday company. These companies were fraudulent and have been closed down and some employees actually jailed. I sent all my correspondence to both parties included a letter from the fraudsters saying I had membership of the holiday club. The Ombudsman took the fraudsters letter as proof my contracted had been completed and therefore the bank was not liable under either law. I now read in the newletter that it is a legal right to have my money refunded by the banks for fraudulent acts. can anybody point me in the right direction to confirm this is true as I would like make this clear to the Royal Bank of Scotland and recover my money

The facts: My grandparents married in 1912. On her marriage £2,000 was settled on my grandmother by her family. Lloyds Bank became tbe sole trustees in 1927 (and still are). My grandmother died in 1949 an my father became sole beneficiary. He died in Feb2011 and my sister and I became beneficiaries. The trust is to be wound up. The current value of the trust fund is just under £2,000!!! Incredible? We believe it is impossible for a trust fund to have no growth in actual numerical value (not real value!) in 100 years without some failure on the part of the trustee(s) to manage the fund with appropriate care and diligence. Lloyds TSB absolutely refuses to entertain any idea that they have not done a good job here. The FOS declines to determine the matter on the grounds that we applied out of time. This is arguable (my father died in Feb and we didn't apply till November. However, Lloyds TSB only finally shut the door on us in July). However our position is also arguable and surely in a case such as this where we have so clearly been very badly served by the bank the FOS should exercise discrtetion in our favour and at least look at our complaint. I think it's a toothless and useless service and far too inclined to protect the financial institutions when it is meant to be monitoring them.

Hi, I am wondering if anyone out there can give advice on an issue dealing with Cabot. After reading on here about them they seem anything but legitimate! My mother took out a loan in 1989 with a company called Morely for £5000 plus some dodgy insurance which bumped it up to £7080. She ran into difficulties paying it early on and there was an agreement over the phone that £30 a month would be paid. This continued up until 2002 when suddenly Cabot contacted her say she owed in excess of £52,000 with all the intrerest charges. They obviously had bought the debt and as it was secured on the house decided to go for that. Six months of wrangling saw them reduce it as a 'customer benefit' to £35,000. She was also asked to pay £160 a month which she did. Eventually, struggling as a pensioner, she told me about it in 2007 and after a trip to the CAB it was down to £9,800. This still seemed wrong but the CAB said that the best thing was to keep paying it and not to risk losing the house. On re-examining the paperwork I have realised that Cabot have no real idea about what is owed if anything. They claimed that the only way to refinance the loan was to take the original £7080 and put a 5% interest cahrge on it. This took place in 2007. This means the £3,000 plus paid before 2002 and the £7,000 plus paid between 2002-2007 has just been 'lost'. Not right surely? How can you re-finance the original loan from the original 1989 amount? We should have looked at the paperwork more closely but we took the CAB advice which I now realise was not really good enough. Obviously there is also the last four years of payments so in total Cabot have taken about £15,000 on top of the original monies paid. Does this seem wrong to anyone else? We have stopped paying them altogether now and are awaiting a reply to a letter stating we would not be sending any more money, but I fear that my mother has been taken for a ride by the company and as they will not respond to any contact from our solicitor in the recent months and the fos are being very pedantic about this before accepting we have a case, the chances of getting any money back from them is remote. Any thoughts or help would be appreciated

Hi, I wonder if anyone can advise? I have an old current account with the Co-op which I opened in the 1980's. I did use the account but not for my main banking as the store which had a bank counter in it was closed down so the nearest branch was 16 miles away. There was no internet banking then so having a local branch was essential. I last used the account around 1992. The account still has a small balance and I have decided that I now want to use it again, as my main bank. I wrote to the Co-op who said they could not trace it. I then found my old bank card (Electron) which I sent to them proving I did. They have repeatedly said they cannot trace any account without the account number. I complained to the FOS who have told me verbally that they accept that Co-op have done everything in their power to find the account. Really?! They have had every address I have ever lived at, DOB and know which branch my account was held at. I have chased up the bank regarding the card as all they said was that the data on it was too old. I aksed then about the printed number on the back (it didn't have the indented numbers as cards have today) and they said the 'BIN (now?)related to an account number at the Commonwealth Bank' and the card had been destroyed. I now have a form from the FOS asking if I accept their decision with a tick box option. They have not put in writing what they told me on the phone. Sorry if this is a bit long winded, but this is the short version. I thought banks had a duty to trace dormant accounts. Some people I know have found relatives accounts over 50 years old by just writing with a name and address. I'm still very much alive and the account was last used less than 20 years ago!! Thanks for any advise you can offer. Paul.

Vital policy clause ignored by FOS, that Ins Co had previously ignored and not sent to FOS. Urgent, can anyone help me? Policy additional explanation ignored by FOS. Does anyone know if it is possible to get a FOS Ombudsman’s Final Decision reconsidered or made Provisional without Judicial Review, when the insurance company had assessed on the wrong policy clause? I have to decide this week. The insurance company admitted just before an Ombudsman considered my case a clause that strongly helps my case. I had several times emailed FOS to point out that the policy documentation was not complete. Now just before deadline to accept/reject Final Decision, it has only just admitted to a stronger policy clause, that unambiguously means that the reason they gave for denying my claim (derived from misquotes against me) is in fact a reason for accepting it. Also the Ombudsman, without giving any reason, ignored my evidence that the Adjudicator had accepted with reasons was strong. And despite my proof that the Ins Co misquoted the written evidence I submitted, the Ombudsman supported the insurance company's evidence that the Adjudicator had stated was irrelevant and flawed. (The policy explicitly excludes my taking the insurance company to court over the claim). Thank you.

The Really FOS. The following is an e-mail sent to myself from the FOS requesting a copy of a letter from the Bank I was complaining about. "Dear **** Thank you for your email. In answer to you question, I have destroyed the letter from the bank. Regards" Anyone else been here? Geraldine