FOS payday loan unaffordable lending complaint- Perverse decision / bad faith

[Ocelot0411]

I have an awful feeling that I know the answer to this already but has anyone tried to bring a claim on these grounds against FOS and does anyone know of any solicitors that have any experience in this area?

 

Thanks in anticipation

[dx100uk]

tell us the story...

did this get escalated to an ombudsman or just a adjudicator?

[Ocelot0411]

Ombudsman,

who rubber stamped the adjudicator's decision even though it was factually incorrect.

 

The problem is I complained about the adjudicator so the Ombudsman just agreed the decision to mitigate my complaint.

 

He stated that black was white on the determination and even said that events the business confessed to (and were evidenced by myself) didn't happen.

I am absolutely livid.

[dx100uk]

have you a previous thread on what its all about...

[Ocelot0411]

have you a previous thread on what its all about...

Nope. Does it matter? What I mean is I can take the business to court instead which I now will but I don't want the FOS to get away with stitching me up and I have no faith in the 'independent' (oh the irony) Assessor.

[dx100uk]

of course but it might be an idea to outline the issue

PPI , bad sale...of something..

[Ocelot0411]

Hi sorry I've been a bit swamped.

 

It was a payday loan unaffordable lending complaint.

 

the adjudicator knew nothing about how credit reference files work and when I pointed out to him that he was wrong he took the hump, hugely.

 

He overturned a previous adjudicators decision to now say that the lending was OK.

 

He refused to accept evidence from the CRAs themselves which proved he was wrong and I ending up complaining about him.

 

Once I escalated the complaint the shutters came down and the ombudsman backed him just to mitigate my complaint.

 

The decision states that black is actually white, i.e. the evidence says the opposite of what it actually shows.

 

I am just livid that they get away with this.

[dx100uk]

well p'haps you should have come here first

its never a good idea to poke those that are their to help you.

 

 

moved this to the PDL forum.

 

 

who was the lender and why do you think your understanding the CRA stuff is greater than the FOS?

expand on think and we'll help...

[Ocelot0411]

Why would coming here first help? The options are FOS or court. I tried FOS first as I thought it would be less hassle, but as ever with the FOS that didn't prove to be the case.

 

The FOS adjudicator told me that my employer shares my salary details with CRAs, that the main three CRA's share information with one anther and that an IVA wouldn't be reported on a credit file. Need I say more?

 

What makes you think the FOS is there to help? They meet targets and are funded by the businesses we complain about and then turn spiteful when you correct them.

 

What difference does it make who the lender is etc? I don't need help with the claim, I was simply enquiring if anyone had taken on the FOS to which I assume the answer is no.

 

This isnt' about the PDL its about the FOS????

 

Could you please move this back to the FOS forum? This is not about a payday loan issue.

[dx100uk]

no it stays here

its not an FOS issue

its an issue with a PDL and the way you latterly interacted with the FOS.

 

until we know what you have done and what you have tried

as you didn't come here first BEFORE starting your crusade

we don't know how you've handled this

 

having a personal battle and complaining again an adjudicator is not the way to resolve the dispute

so

can we see the letters etc

like your original comms with the the original creditor that resulted in your having to goto the FOS?

 

it might be that you've approached this in the wrong manner and we can tweak and turn it around.

[Ocelot0411]

How incredibly patronising. My question was in relation to the FOS. The phrase you are looking for is 'I don't know'. Changing the subject to something you think you do know about does not answer the question.

Thanks for your kind offer to wade in on your white charger and 'turn this around for poor stupid little old me but I think I'll cope.

 

Oh woe is me, if only I'd asked you first!

 

Repeat after me 'I don't know'.

 

Arrogant.

 

And can you see my letters? Don't be ludicrous

[dx100uk]

well the both answer is you wont get anywhere.

 

an cag most certainly cant help without knowing the background

 

as I said, it might be we can turn this around for you

even if things might have gone down a route that p'haps it shouldn't of done.

 

I think you commend is quite correct 'I don't know'

but that's more correct by say 'we don't know'

 

without knowing the background..you are quite correct...

 

your call

dx

[Ocelot0411]

As above thanks awfully..........settled for a large amount.

[dx100uk]

great so the IL complaint worked

we are finding that most are now successful.

 

dx

[Ocelot0411]

IL complaint? No I did my own thing and won

 

FOS is outstanding via separate litigation

[dx100uk]

no I mean it was irresponsible lending [unaffordable] by the PDL co. complaint eventually won the day for you though?

 

so what are you litigating against the fos for if you won?

 

dx

[Ocelot0411]

Dear lord, how bored are you? I have won financially. That is all!

[dx100uk]

great well done you won..

how does that help CAG members?

 

if all the threads were like this then you'd never of come here in the first place...

 

its about people telling their stories to show how others can win too.

Edited December 19, 2017 by Andyorch
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