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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. I've just been sending them that template letter that's been floating about along with a letter and 3 payslips from my employer as I'm well below the threshold. I've always deferred so they fortunately haven't got my bank details. I've received a couple of arrears letters including another as one telling me to only sign section 9 of the form. I've just sent them another back which is a mix of the template and saying how can I be in arrears when I'm under the threshold and have proven so. Also I received a phone call today from their call centre on my mobile. I hav
  3. Hello all, I have recently been awarded a judgement by the FOS against an FCA regulated company for not providing a service I had paid for. The company in question now wants to pay the award in monthly installments. They initially offered to repay over 3 years. I rejected that outright because it's far too long, and the Ombudsman will not get involved if I agree to a payment scheme and the company fail to pay. Now the company has offered a new repayment plan to repay in 12 months. This is far more attractive as they claim they cannot pay it all in one go but based on past
  4. I hope for your help on how I should apply the Central London County Court to Enforce an Financial Ombudsman Final Decision using form N322A? I am a Danish pensioner, living in Denmark, on 28 March 2018 the Financial Ombudsman Service (FOS) made a Final Decision in my favor regarding my complaint against Abshire-Smith Global Ltd., 26 York Street, London W1Y 6PZ, which I accepted. However, the business has unfortunately not complied, i.e. paid me the required amount (GBP 84.833, incl. 8% interest and a GBP 750 compensation awarded by the FOS) within 28 days of me accepting the FOS Fi
  5. I cannot believe how useless FOS is: Investigator ruled against me because I must have accepted an online question that I wanted PPI: he sent me screenshots of questions re PPI but not my screenshots since i never seen them before. my gdpr did not contain them, my cca regulated agreement contained nothing about ppi… he says fos is not interested in cca agreement or what is in gdpr … cca is a matter for fca.. not fos disgraceful appalling service... i feel a need to complain about this investigator i have sent an email complaining about the fos guy e
  6. An ajudicator made a decision to uphold my case 4 years ago, however the business appealed the decision. After constantly chasing the FOS over a period of 3 years and numerous missed deadlines, six months ago an ombudsman made a provisional decision again in my favour, however I was stripped of costs which the adjudicator had awarded. To date, no final decision has been made, and the pattern of broken promises for deadlines, and constant chasing them for a final decision is still ongoing. What can I do to get them to make a final decision after 4 years of the stress of
  7. Santander have rejected my PPI claim (store card) from 17 years ago on the grounds they believe it was sold in a proper manner (over the phone - which it wasnt - as I signed-up in-store with an agreement the assistant ticked for PPI) and was offered as optional and appropriate for me etc etc - which I absolutely disagree with. I have issued a SAR - but already do have copies of Agreement and statements etc. Unsure of whats best as next move - do I escalate issue with FOS (that I'm not hearing good reports about!) or small claims action? The amount of money involved is probabl
  8. hi all, I used halifax website to submit my ppi complaint. they correctly discovered my old loan and credit card 2004/6 and sent me a 7 page questionaire to complete and gave me six weeks to do so... I just had a text msg to say three weeks later they are still waiting questions: can they really give me timescales to complete their form? do i really need to complete their form... can i send them a completed fos form which requires much less information? shouldnt i send them one sar for full statement for each acciunt? any help would be gratefully received zubo
  9. http://www.financial-ombudsman.org.uk/publications/ombudsman-news/144/144.html 144/3 – Mr A complains that his home insurance is too expensive Mr A, in his eighties, had been living with dementia for a few years. He didn’t use a computer, and his wife, who’d always taken care of the home expenses, had died about seven years before. So after this he’d asked the insurer to send things to him by post. Mr A’s nephew got in touch with us when helping his uncle out with his household finances. He’d noticed the home insurance for his uncle’s two-bedroom terraced home was £1,400. He’d foun
  10. This is my experience so far. I was a victim of identity theft on an account opened at a three year old address where i hadnt lived I only discovered this due to my credit file. I called the bank....the bank themselves told me to go into branch and hand identification. Confirmed. went to the bank got a statement out and changed address, all information A cheque had been paid in by the person who comitted the crime. I asked for details, said i would need to pay to get the copy of the cheque, couldnt at that precise minute. Contacted the banks head office just to get
  11. Hi, Can anyone offer me any advice on an issue I have with the FOS. I took out life and critical illness cover through a tied broker in 2012. In 2016 I claimed and my claim was turned down by the insurer as they did not know about surgery I'd had prior to applying for insurance. Trouble is both me and the wife know we told the brokers agent all about the surgery on the night he came to get our signatures after checking the application. I made my initial call on the 14/4/12, their agent visited my home on 17/4/12. The FOS got involved after my complaint to th
  12. Hi I just wondered if anyone else has a PPI claim with the FOS and if they've had any updates? In May 2013 they settled half my claim but not the rest so I transferred It to the FOS. Haven't contacted them yet. Interested to know if any have been settled. Cheers Karl
  13. Hi guys, I actually had a very quick reply from the FOS. Less than a month after I made a complaint I had the answer - not the one I wanted but the service was quick, professional and the guy was extremely easy to deal with. My complaint was re MBNA. I took out a credit card in 2006 - fell into arrears in 2009 - finally came to an agreement with them in 2010. I maintained the arrangement to pay and then they sold the debt to IDEM in 2012. Due to serious illness, I couldn't keep payments up with IDEM and now pay them 15 per month. Arrears are 9144 on 10
  14. I previously sent a CCA request as I could not locate the original that was taken out in 2001. I received the attached edited copy but is I am not sure if this is correct ? I then sent off an SAR and again received the same amongst details submitted. Am I missing anything does anyone know ? I've checked the forum for BH credit agreement examples but all seem to look different to mine. Just one other question, should BH be sending me annual statements of some sort ? Thank-you for looking.
  15. I had a loan with Blemain about five years ago. The loan was secured against my property. After two years I remortgaged and repaid the loan. I have checked the paperwork recently and noticed that I was charged £4,681 for collection costs. I have now written twice to Blemain asking for a detailed breakdown of these costs. The reply I had today said, the costs were "as a result of administrative costs applied to the account". I know that! They don't seem to want to give the details of the charges. I don't know what to do now. Shall I w
  16. Long story short. After years arguing with RBS I took my complaint to the Ombudsman. This was initially thrown out but I knew I was right so appealed and won. It's worth knowing that the Ombudsmans caseload is filtered by minions who know nothing about Financial Services and are clearly there just to deter people. the RBS had to refund charges, pay compensation etc the main issue led to other financial problems which led to court action which led to my credit rating being stuffed. The FOS say they have no jurisdiction over the Courts so I need to tak
  17. WHi All Background: I was purchasing a property on mortgage (Clydesdale Bank) and it was a sub sale. Because of some delays at bank's side we missed the completion date and I lost about £60K. Losses fall into following categories, 1. About £20k - Penalty issued by the seller for late completion (this was already confirmed) 2. About £40k - Money lost in arranging the finances to complete on cash FOS decision is in my favor. However, they are awarding me only about £20K (The actual penalty issued by the seller which I had to pay). They are not considering my other
  18. Hi there, I was really hoping for some help and advise on whether there is any way forward with this complaint. I complained to Canada Square about an egg credit card taken out in March 2001. I know that I did not opt in to take PPI - that the box was pre ticked, as I was also advised on the phone that the box had to be pre ticked to complete the application when I questioned it. They rejected my complaint as my personal circumstances meant I had no cover (significant sick pay or savings etc). I don't see how this is relevant. I took it to FOS and they rejected
  19. http://www.thisismoney.co.uk/money/news/article-4425464/Staff-meltdown-Financial-Ombudsman.html Sorry If I posted in the wrong place or if it has already been posted.
  20. First of all, thanks all for contributing to this forum, your time and efforts are highly appreciated! I have received a Final Decision (rejection) from my employer's Group Income Protection insurance (UNUM) I have asked my employer to appeal UNUM's decision through the FOS (as I am not the policyholder) but they have declined to do so and refused to send me a copy of their T&C with UNUM. I am still off sick with bipolar and anxiety disorder and my claim is roughly around 16k£ Any suggestions? I feel like my only recourse at this point is against my employer
  21. Previous complaint with Skye Loans / Capita rejected by FOS. Skye / FOS advised that disputed amount transferred by BH, in June 2015. Submitted SAR to BH. Last overdue amount from BH different to opening arrears balance stated by Skye. Confirmed by details received as per SAR. Raised complaint with BH who responded that all details provided in which they have. Escalated complaint to FOS in which I have now received their brief and inconclusive findings. They have said that the disputed transferred arrears amount needs to be raised with Skye Loans???? I have until
  22. I have a current packaged bank account complaint and can confirm the FOS's poor practises. Important info in my case was drip fed to the FOS from the bank without my disclosure. The FOS caseworker would ring me sometimes 5 days later than agreed. The caseworker would then ambush me on the phone about information I knew nothing about, hardly good advocacy at any level. The They could not even read a bank statement correctly which led to sleepless nights because the FOS caseworker attributed a 11k withdrawal to the wrong company making me believe fraud had occurred, that is unt
  23. I am so angry that FoS have listened to what Natiowide have said about timescales and i cannot claim !! There must be a way to do so, as i NEVER need any form of PPI. the reply from FOS was : i feel the below i totally unfair as u did not know i had ppi on the card until i found an old statement last year. also nationwide did not tell me of any time-scales-limits , i feel they have used dirty tricks. there must be a way for me to make a claim as i am disgusted they have basically said "tough" Dear Mr xxxxxxx Thank you for your email dated 10 February 2016. I
  24. First and foremost, I forgive those who perhaps thought that the thread title might turn out to be misleading before then clicking on the thread. An analogy would be the sensationalist headline I saw today that 'Messi had gotten jail time'. I knew full well, before clicking on the story, that he wouldn't be serving even one day in prison. However, I assure those of you who are doubtful that after you read on, then you will see that it really is the case that a Paypal account can NEVER be closed, which an FOS adjudicator heartily agrees with. This happens to be one of the very few outstanding i
  25. Complaints to the Financial Ombudsman Service since the end of 2013 to date, number 27 of which 21 have been upheld. On a lot of the complaints, BH has failed to respond to the FOS which I think shows their contempt not just for their customers, but for authority as well. This says that if you are having a problem with BH whether it be shoddy goods, (a settee stuffed with towels instead of foam in one case), if you get no satisfaction with a formal complaint to BH, then make a complaint about them to FOS. BH have never denied repeated nuisance calls or sending men around to
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