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    • I think that's a step in the right direction, surrey.   HB
    • I'm pleased that you got through to at least one correct email address.   Hopefully if the branch have been in touch it's good news and fingers crossed that the complaints team get in touch early next week. You're right to keep a note of your expenses, I would claim all those too.   HB
    • It was from debbie.crosbie@tsb.co.uk, so thx to you for the idea HB, a reply within 24hrs from that address. It'll be Tuesday at the earliest now I think, also the Branch called Yesterday to request proof of ownership for a further 4 transactions made since the disputed transaction. I have the info to prove, but it's a massive headache trawling back through trading history to locate, print out, & notate these so they can make sense of them.    All the time & materials I'm spending doing this are being noted, & form a compensation claim for loss of earnings, as part of the complaint, & I will make the exec complaints team fully aware that I expect to be recompensed for this. 
    • The company did finally respond and the subby fixed the hot water system, which turned out to be a fault with my immersion heater that was only six months old. The installer of the immersion claims he has lost his license, so I am screwed again. Consumer protecting in the UK is a joke. The website that supported this rogue trader is investigating. We still expect the Solar Panel company to deliberately go bust to invalidate warranties,, unless the FIT grant is restarted in some form.
    • just offer a low pcm 
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
BankFodder

Financial ombudsman comes under fire as insider reveals litany of bad practices

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My sentiments exactly. The staff at the FOS just don't seen to examine all the fact and data before making any sort of decision. I wonder why we don't all get to gether and make an "on mass" complaint about this seeming incompetent organisation. However, who who we complain to!

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OH's complaint was made to the Financial Ombudsman in July 2008. Since then they have managed to "lose" to packages of documents despite agreeing that they have been received and signed for.

 

A further letter received from them in December 2009 advised they had "lost" more information. Although they soon found it when I suggested a formal complaint would be made due to their incompetence.

 

I am just about to send an email asking if OH's complaint is now being addressed or has it been put to the bottom of someone's in tray for a further 18 months.

 

They were made aware last year that the bank being complained about had threatened legal action and implied that they do not have to wait for the Ombudsman !!


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snap citizen they have lost some very important doc of mine concerning the default and the Hfo documents gggrrr what a bunch...i think i read somewhere that the staff they are mostly self employed ?


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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snap citizen they have lost some very important doc of mine concerning the default and the Hfo documents gggrrr what a bunch...i think i read somewhere that the staff they are mostly self employed ?

 

:D Hmmm, I wonder why.. would you employ them :rolleyes::D


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2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

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BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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after readin the news report i would nt give them lot a job as

bog attendants


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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If you are unhappy with the way in which the Ombudsman is dealing with, or the time taken to deal with your complaint. Then please :

 

Read the sticky in the following link and make a complaint to the Independant Assessor.

 

The Financial Ombudsman - from Wikipedia

 

http://www.consumeractiongroup.co.uk...t-2719994.html

 

 

 

The Independent Assessor reports formally to the board of the Financial Ombudsman Service - which publishes his report in full each year as part of the Financial Ombudsman Service's annual review [43][44][45][46][47][48].

Mr Barnes' track record so far is to uphold in part or fully between 10-15% of complaints about the ombudsman's service quality.

The Financial Ombudsman - from Wikipedia

 

read the links in the quote above. The address is in link 40

 

Address for Independant Assessor


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2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Be aware that if you make a complaint to the Service Review Team whilst your complaint to the FOS is still being considered, everything gets put on hold whilst they deal with that.

 

If delay is already an issue, it might be best to wait until your complaint to the FOS is resolved before making a complaint about the FOS. You have to go through the procedure with the Service Review Team before involving the independent assessor.


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Be aware that if you make a complaint to the Service Review Team whilst your complaint to the FOS is still being considered, everything gets put on hold whilst they deal with that.

 

If delay is already an issue, it might be best to wait until your complaint to the FOS is resolved before making a complaint about the FOS. You have to go through the procedure with the Service Review Team before involving the independent assessor.

 

Ok, thanks for this information RMW :D


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Putting your complaint to the FOS on hold whilst they investigate a complaint about the FOS sort of makes sense I suppose, but I do think they ought to make it clear that this will happen, rather than letting you find out when they've been investigating for three months.


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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When i complained tothe FOS about Capital One they said they (the FOS) received the reply in time, although Capital One had sent MY copy to my old address, where I hadn't lived for 18 months at that point. They refused to reopen the case from that point and said as I hadn't complained there was nothing they could do.... I couldn't complain as I hadn't had Capital Ones lying letter..... complete idiots.

Edited by sillygirl1
missed a bit

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Must admit had the same problem with the FOS and ICO, who readily accepted that a creditor could send a modern day agreement - in place of the "executed agreement" as signed on application and outlined in s78(1).

 

From my experience about as useful as a chocolate teapot.

 

I would imagine the only instance where you would get a ruling your favour would be if the banks seriously stepped out of line.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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i have four different fso people all hanling the same complaint sorry five of them..1st 2006..2.nd 2006...3rd.2007...4th..2008..5th. 2009..

wot a bunch of no hopers ime just as stupid for beleiving they would actually do something...doh


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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If you are unhappy with the way in which the Ombudsman is dealing with, or the time taken to deal with your complaint. Then please :

 

Read the sticky in the following link and make a complaint to the Independant Assessor.

 

The Financial Ombudsman - from Wikipedia

 

http://www.consumeractiongroup.co.uk...t-2719994.html

 

 

 

 

The Financial Ombudsman - from Wikipedia

 

read the links in the quote above. The address is in link 40

 

Address for Independant Assessor

 

 

Don't bother with him either, he is just as bad (and so "Independant" he is appointed by the FOS board.

 

FOS has

 

1. re written the frase "The Truth The Whole Truth and Nothing But the truth"

regarding a PPI although I was not given all the choices literature was sent to me regarding this option therefore allowing me to make an informed decision. :eek:

 

2. Allowed my bank to do a complete "U" turn on the main issue just by saying it was a mistake. :-?

 

3. Failed to advise me when 2 happened Despite the IA's recommendations that the consumer must be advised when new or amended evidence is produced. :evil:

 

4. Stated that due to lack of evidence from the bank they had no alternative but to decide on the likelyhood of a mis-sale and found that it would not have happened. They then publish figures showing that the bank in question had mis-sold PPI on 86% of the complaints they had received. :Cry::evil: :?

 

I complain to the ombudsman's complaints service they say that complaint has been dealt with correctly.

 

I then complain to the so called "Independant" Assessor who says he can only deal with administrative errors and can not decide if their conclusion is right or wrong. I send in the above plus one of the cases on the FOS website where the consumer had received a much higher level of service than i had reveived but still he says nothing wrong.

 

I then look at the reports of the assessor given on FOS website. Strangely where he gives a breakdown of complaints etc. and it says he received X amount of complaints of which Y were upheld for amounts ranging from £1 to £500.

 

So it would appear that when FOS do screw up, they NEVER screw up on cases worth more than £500. :-? :-? :-?

 

Yea Right :roll:

 

edit: Sorry I forgot to mention my complaint involved an amount of around £8,000.

Edited by rdm2006

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A LETTER RECEIVED YEST REF HSBC

THANK YOU FORN YR LETTER OF 23JAN

FINALLY I NOTE THE CLOSING COMMENT IN YR RECENT LETTER , HOWEVER OOPS I PUT THAT THEY ARE BIASED AND IN FAVOUR OF THE VERY BANKS THAT FUND THEM , AND MERELY PUPPETS I WOULD CLARIFY THAT THE ROLE OF THIS SERVICE IS NOT TO REGULATE THE BANKS , I AM THEREFORE UNABLE TO COMMENT FURTHER IN THIS REGARD .

IF YOU DISAGREE WITH THE OUTCOME BLA BLA

AFTER 23 YRS WITH HSBC THEY MANAGE TO REVEIW ALL MY COMPLAINTS WITHIN A VERY SHORT SPACE OF TIME AND SAY THEY HAVE BEEN COMPLETELY ABOVE BOARD

 

YER RIGHTO MATE

FOR GODS SAKE SOMEONE TURN SOUTH QUAY PLAZA INTO A MUSEUM ,HOTEL,THEY ARE SITTING ON A FEW QUIDS WORTH THERE

OR A HOME FOR THE POOR /HOMELESS

I WONDER IF ITS LEASED ,OWNED ETC AND BY WHOM

Edited by charley2212

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I know a lot of people are angry with Parliament at the moment but MPs and candidates are all fighting for seats in the run up to the election. Get political, go and see all the candidates in your area and tell them about your experiences. I certainly am. Tell them you don't think the FOS is fit for purpose and while you're at it ask how much funding is coming to their parties from insurance companies & banks etc. SJ :-x

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I see mention in the forum of FOS interest rate calculations etc. Basically FOS often do not check firms calculations properly, if at all, especially if the firm has made an offer. See below my evidence to the Hunt Review of the FOS.

 

"It is FOS policy that firms which submit offers of compensation are treated differently from those which do not make an offer. Few ordinary people will be able to understand this. This policy is not made known to claimants so far as I know, yet the professional claims managers at the firms are well aware of it. All the firms must know that if they submit an offer there is a good chance that the FOS will not check the calculations, nor will the offer be compared with the FOS in-house guidelines. In the light of this, a good tactical move would be to submit a low offer and hope the FOS lets it though without checking.

A good example of the use of this policy by a firm is in the case of my Aunt. The firm proposed a reasonable offer and backed it up with its own calculations. FOS said fine, it looks reasonable, we don't need to check it. In fact the interest rate used was not reasonable ( a higher rate was available anywhere and it was 1% below the FOS recommended figure) and a tax error was not noticed resulting in an underpayment of £8000. But because the offer met the FOS's requirements to be allowed though without checking, it got though the net.

 

I know this is definite FOS policy, I have it in writing from the Service Review Team and the Independent Assessor. It is a deeply flawed policy, unfair to claimants and biased in favour of firms. FOS should review this policy."

 

To read more and see what really happens when you go to the FOS please see my full evidence to the Hunt Review at

www.financial-ombudsman-problems.co.uk

  • Haha 1

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good post auntie , the fos are a total waste of time , they pay lip service to the media with their results tables etc

i have a few cases with em at the mo , bc cap 1 and hsbc only received responses ref my hsbc claim and then they have totally confused the situation by splitting the claim up just to confuse even more , and so far they agree with hsbc , after 23 yrs of being with them they have managed to investigate in five mins .

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i can vouch for the FOS's bad decisions, i've been a victim of theirs for many claims and have lost thousands as a result of their 'set in stone' biased decisions, to which the banks always refer to.

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how do I launch an investigation by independant assesor into a claim that has taken nearly 3 years???


Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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We had a complaint against Firstplus and we were intially offered £100 compensation for harassment for a arrears which we did not have. Firstplus kindly or by accident sent me the letter that had been sent to Firstplus and the adjudicator clearly sided with Firstplus. We refused the £100 and advised that we wanted the issue escalated to an ombudsman at which point we were contacted by the adjudicator adn a new offer of £300 was presented. We then accepted this.

The point being is that if we had not objected FOS would have closed the case in favour of Firstplus! This was also pointed out to the adjudicator.

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my three complaints with FOS go back as far as 2006 and nothing has happened cept to say they have lost some very important documents ? so i am about to esculate my complaint you will get the omsbudsman address of the FOS website..

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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how do I launch an investigation by independant assesor into a claim that has taken nearly 3 years???

 

You need to escalate the case to the Service Review Team and then the Independant Assessor (who isn't really that independant).

 

But either cannot change the Adjudicator/ Ombudsman decision but only look at the service you have received, even if you say the service was biased etc.

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i truthfully cant see the point in complaining to the FOS the only complaint that needs be made is to some other authority that the FOS are unfit for purpose ..i wonder if trading standards would look at it lol or even the FSA o FSA wont as they only deal with Major complaints it helps them waste goverment money our taxes...so newspapers are the only ones this way the FOS may be forced to act in a fit and proper manner


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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i truthfully cant see the point in complaining to the FOS the only complaint that needs be made is to some other authority that the FOS are unfit for purpose ..i wonder if trading standards would look at it lol or even the FSA o FSA wont as they only deal with Major complaints it helps them waste goverment money our taxes...so newspapers are the only ones this way the FOS may be forced to act in a fit and proper manner

yes i agree patricq1 , would be nice to do a petition and send or present this to them cag oscar

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Have I read somewhere that FOS is now under the umbrella of the FSA and there were talks of that being reversed FSA under FOS (God forbid that one)


HTH (Hope This Helps) RDM2006

 

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Why not show your gratitude And

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