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FOS - What a useless system!!!!!!!


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I had a default placed by HBOS, went through the FOS, the adjudicator refused to accept my claim stating HBOS had followed the Banking Code. Then I told them default was defective as date it was issued was earlier than stated on their letter, which I held (HBOS sent them a made up copy). there were other issues where they had broke the Banking Code also. It went to an Ombudsman and she admitted this had happened but still refused to overturn the decision. This all took over 2 years!!. Then I receive a Phone call from Blair Olover and Scott, HBOS collection dept, the gentleman who stated it should never have got that far and the FOS were wrong to go in HBOS favour.


Why waste our time with these muppets!!


Emailed Natalie Ceeney, CEO for FOS, not heard anything back.


Any suggestions where to go now anyone?



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tell your adjudicator what you have just told us



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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