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Catch 22 with Ombudsman after my business ceased trading: neither a 'consumer' or 'micro business'


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I was left with no option by my bank RBS but to submit a complaint to the Financial Ombudsman in my dispute with them.

The dispute relates to Personal Guarantees for my former business which ceased trading last year and is now formally dissolved.

 

The Adjudicator is claiming they can't consider the case as I am neither a 'consumer' as the finance is considered to have been 'acting for purposes within my trade, business, craft or profession.' nor a 'micro enterprise' as the business 'isn't capable of being represented and it can't raise a complaint'.

 

They've used a court case BlueFin v Ombudsman to support their position with regards to my not being a consumer.

 

So, despite having been a victim of extremely poor practice by RBS I am caught out by this Catch 22.

 

Anyone had a similar experience or can provide any pointers on how I could challenge their response?

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