Financial Ombudsman Service - Have your Say

[AnonymousA]

Re: Financial Ombudsman Service - SuperComplaint

I know someone who worked there for a couple of years. He's now working on a contracted basis dealing with PPI complaints for Lloyds. I don't think he has many stories, but I'll ask him.

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

Cheers mate

[GrannieP]

Re: Financial Ombudsman Service - SuperComplaint

AnonymousA
Please ask him whether the Adjudicators still get incentive bonus payments to close a certain number of cases per month and if so, how much ?

[Batman]

Re: Financial Ombudsman Service - SuperComplaint

Yeah, that figures get rid of the moaning punters ASAP. That equates well with my own multi-account experience of this unbelievable shower.

[kilasuit]

Re: Financial Ombudsman Service - SuperComplaint

here you all go

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

Evening All,

First post. Not a newbie to the forums though. Just feel I need a change and the other popular forum has completely lost it's track.

Anyway back to FOS.

I have a complaint regarding the additions fee being added to my Barclays account 14 months after I requested it be removed. This also applies to the outright unlawful RESERVE FEE they seemed to applied to every account without permission.

Anyway went to FOS and presented all the information including my recorded delivery letter requesting cancellation.

So first adjudicator left half way through my complaint so reassigned.

Second adjudicator (Julie Morgan) reviewed my case and surprise, surprise ruled in Barclays favor.

Requested Ombudsman review. This was assigned to (Stephen Cooper) basically called me and my wife liars and we never requested these products be cancelled.

So not accepting any of that I sent Barclays a SAR & they sent me everything & I mean everything.

Good old Julie Morgan (FOS) requested 3 times from Barclays information about the use of products assigned to the Additions Fee account. 3 times they ignored her requests and I quote "this would mean contacting each provider individually and is to onerous. We can confirm mobile phone cover was never taken out." I never used any of their products

Not once did she push them on the matter or even if the additions fee was ever cancelled.So after further investigation guess what? I found Barclays copy of the letter requesting cancellation and my statements also show the additions fee being cancelled. Then re added 14 months later without my permission.

There is also a note on my file confirming I did also cancel the Reserve Fee but FOS basically ignored all the evidence and chose not to push Barclays for the information they requested.

Makes my blood boil as I have now ended up with a closed account and default on my credit file for money I refused to repay as it was taken unlawfully from my account.

FOS response, "OUR DECISION IS FINAL"

So now I either take Barclays to court or just ignore them for another couple of years and it goes away. They haven't been chasing me.

With compound interest it would clear the entire OD but would still be left fighting to get DF removed.

Cheers
Scrappy Coco

[kilasuit]

Re: Financial Ombudsman Service - SuperComplaint

even thou the accoun is close you still can take up a complaint in light of this data and then go to FOS

though i would let it lie as it is atm.

1 default isnt that major to your file.

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

here you all go

jesus how much junk have you got on your desktop! Good luck with the application for *ahem* Team Manager!

[AnonymousA]

Re: Financial Ombudsman Service - SuperComplaint

AnonymousA
Please ask him whether the Adjudicators still get incentive bonus payments to close a certain number of cases per month and if so, how much ?

If that's true that encourages me not to let the woman who keeps saying she wants to close our case to close it.

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

If that's true that encourages me not to let the woman who keeps saying she wants to close our case to close it.

[The Tech Clerk]

Re: Financial Ombudsman Service - SuperComplaint

Have a complaint (HSBC) case awaiting Ombudsman decision ( let alone D.J. interested in the outcome of a response) other than a judicators findings, whereby the CCA 1974 rules are not the way they judge a case only fairness in their eyes, also that the case HSBC state no CCA found the case of unenforceability/enforceability cannot be commented on due to not being able to see one and on the vexatious complaint and their solicitors making false statement regarding CCJ obtained when it has not is disregarded or similair words. (Court case stayed for result) still I hope, also The DN was proved faulty as per the recent case but unfortunatly the set aside hearing I was advised to quote a CPR rule which was incorrect,and the one I should of used was for withrawing admittance on N1, and there again a SAR request was issued to me (only the 1st half after 40 days , the day of the court set aside case and notification of pick up from Bank after the case, the SAR should of been with me days before case then I could of pointed out the lack of an agreement which they cannot find (if I remember in 1996 their was not one ) only a telephone call to me.

HSBC told OMB service they have now corrected their system to make it 40 actual days for SAR another words flannelled Ombudsman (ICO). after my complaint. Also was noted from adujicator The DN may of been wrong but I had not corrected the default anyway so it would not of made any difference to outcome. that is the way my complaint was dealt with. Also more areas with lack of reasonable response.

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

Afternoon,

Another thing I find strange about the workings of FOS is as follows:

Bank follows guidelines - Acceptable
Bank breaks rules & regulations - Acceptable

So in short banks can do no wrong and win whether following the guidelines or breaking the law.

You couldn't make it up

Thanks
Scrappy Coco

[Batman]

Re: Financial Ombudsman Service - SuperComplaint

Scrappy Coco - yes that is quite correct

The FOS are extremely happy for the corrupt UK banks (and the DCA thugs they employ) to give us all heart attacks via breaching as many OFT guidelines are they possibly can.

You may of course go away and learn all about the law and have it confirmed as being accurate; then the FOS will pronounce that it's all immaterial (speak to you like you are one brick short of a load in fact) as they have no care or jurisdiction to follow the set CCA laws you have accuracy quoted to them. This unbiased (ha ha ha lol) stance of course works in favour of the bank(s) that is seeking your life blood...

I would not be at all surprised if the FOS jet set in London don't have an Xmas kitty for fun to see which adjudicator can ignore the most official guidelines when declaring any consumer decision....really!!

The FOS will and does dismiss such breaches as being ...Nothing to do with mate, so bog off and let us close the case fast ....

The FOS are simply a lip-service to consumer concern 'Puppet' for the banks to mislead us all further.

They remain as 'unbiased' as a very irate great white shark playing hopscotch with a short-sighted, three-legged cat.

[mgfboy]

Re: Financial Ombudsman Service - SuperComplaint

even thou the accoun is close you still can take up a complaint in light of this data and then go to FOS

though i would let it lie as it is atm.

1 default isnt that major to your file.

1 default is a pretty major thing to have on your file mate in my view, but it does depend on your position at the time!!!!

[jon1965]

Re: Financial Ombudsman Service - SuperComplaint

Just some thoughts.
What should be the purpose of a complaint to the FOS?
Is it to get a resolution or is it to get compensation ?

I have had recent dealings with the FOS over a payday loan with MEM consumerfinance.
Initially it was assigned to an adjucicator Andrew Roberts but was then passed to a sarah Kinnane.
Initially she replied thus
FOS REPLY MEM.doc

However I was not rolling over so I sent this to her
FOS MY REPLY.doc
along with the following email

Dear Ms Kinnane

Further to my email this morning there is not too much to add except the following.
I had a meeting with my previous debt manager last week where we went through all the correspondence from all of my creditors.
At no time did MEM communicate with him to either accept or decline the payment offers that he made, initially £3 per month then after I lost my job at £1 per month. The figure of £1 per month was not made as a "token" payment but as a realistic payment considering my circumstances.
I enclose the income and expenditure form that I sent at the time along with my reply to them when they first declined my offer.
I also enclose an email

She has now written back saying that MEM would accept a 6 month break from my last payment (jan) and if I talked to them they "might" write off or reduce the amount due to my circumstances.
I have been asked to sign a form agreeing to this conclusion

So it may only be a simple case but it was still like banging my head against a brick wall ( how ironic as it is normally Niddy banging his head against a brick wall because of me).
At least I got there but it really shouldn't be this difficult