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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

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Am trying to find someone who can help.

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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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Thank you citizen B.

have been trying to claim back this money since 2005, so any help would be welcome. Have tried anything I can think of, but as yet find the laws of this country seem to favour those who commit crimes ie Fraud than those who are affected by it.

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Was the decision from the FOS, from an adjudicator or an Ombudsman.

 

You can always ask for a review if you are unhappy with the decision.

 

Although sometimes not always successful, I see no harm in trying.

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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Hi.

I have a decision from both an adudicator and also the ombudsman. I have also complained to The Independant Assessor, who says they only deal with complaints about the service given and not actual decisions, although I was under the impression that ignoring laws that were on the statued book was not giveing good service, but apparently The FOS do not have to follow the law but they rely on probabilities, again having known about the companies that perpetrated the frauds were well known to to the FOS, they would not have given any precedense to any information or letters they sent as reliable, but in my case say that because of the letters they believe they had completed a contract, which brings me to the obvious reply if they are a fraudulent company how can the ombudsman use their evidence to dismiss my claim unless they are trying to protect the banks.

I should like any information of anybody sucessfully making a claim in these circumstances.

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