Financial Ombudsman Service - Have your Say

[GrannieP]

Re: Financial Ombudsman Service - SuperComplaint

For more info on problems with the FOS take a look at

Financial Ombudsman Service problems, incompetent adjudicator and ombudsman

[kilasuit]

Re: Financial Ombudsman Service - SuperComplaint

Shocking

Really???


Are you honestly surprised???

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

Shocking

[Batman]

Re: Financial Ombudsman Service - SuperComplaint


The complaint and who it was against:


Halifax Bank of Scotland (HBOS) (7 accounts) in respect of:

Multiple mis selling of Payment Protection Insurance Policies
Breaches of Office of Fair Trading Debt Collection Guidelines
Harassment by 3rdParty Agencies instructed by HBOS
Breaches of Data Protection Act 1998
Breaches of Consumer Credit Act 1974


The names of the persons dealing with your complaint:
Several FOS operatives: Jade Tavares, Nathan Horner, Jo White, Patrick Ellis , Bridget Moran, Adrian Royal , Amanda Burrows, Tiffany Lau, Dennis Charman, David Hyde , Ryan Moony, Alice Clilverd,

The outcome:


Basically FOS agreed with HBOS that the bank had acted properly, regardless of many detailed documents presented to them over several years proving that they had ‘not’. However, Alice Clilverd did say: “I agree that the actions of the Bank of Scotland and Halifax have on occasion not been in line with that I would expect.”



Nevertheless, she still went on to take the bank’s main position, even though this is a clear case of all that is claimed:


Multiple mis selling of Payment Protection Insurance Policies
Breaches of Office of Fair Trading Debt Collection Guidelines
Harassment by 3rdParty Agencies instructed by HBOS
Breaches of Data Protection Act 1998
Breaches of Consumer Credit Act 1974

The only compensation offered by the bank was £300.00 relating to telephone harassment in 2007.



NB. We have taken several DCAs (who have all closed their files after we challenged them) to task and won several amounts of compensation from them as they clearly know that the HBOS accounts they had pursued along with their most belligerent solicitors were flawed. The FOS has largely ignored this fact.

Any grievances that suggest you were mistreated.

The FOS seemed to be at loggerheads with itself after one of their workers (Dennis Charman) made the following declaration (August 2011) to us on the phone:


“if the contract is unenforceable your wife should not have paid a single penny back whether it be PPI or any of the principle amounts that she borrowed because an unenforceable contract they cannot collect a penny on.”


September 2011. FOS’s David Hyde rang us about HBOS PPI. He claimed to have NO RECORD of the last call from Dennis Charman. We however have the tape. We then received several more unnecessary calls off FOS.



In October 2011 FOS awarded us with £150.00 compensation following unwanted phone calls from FOS.


Initially FOS gave each HBOS account a separate reference numbers (one each for PPI and one each for harassment etc on all seven accounts). This complexity was highly confusing for all parties concerned. Later it was shortened to just one main reference number. The bank had incorrectly added PPI on all but one account, which was unwanted and missold. Later the bank had refunded some amounts of PPI. FOS was given many detailed documents from us regarding the multiple accounts in dispute. They were presented with evidence of how HBOS had breached OFT/FSA etc guidelines many times, yet they chose to ‘dismiss’ all this data and back the bank. FOS has also been informed that one HBOS account was sold to 1st Credit then closed soon afterwards. Even this did not impress FOS about the flawed nature of the accounts and they have virtually told us that the CCA has little to do with them.



Several more issues relating to some of the more obstructive FOS operatives exist, but we have come to the opinion that life is too short to start new cases on ever failure of this largely unhelpful, bank-supportive authority. All data is however saved in case ever required.



There was also an issue of a FOS worker backing a DCA against us on one of these accounts. However, we later received £50.00 compensation off the DCA proving the FOS man was in error and biased against us.

Other relevant info:

There is simply too much to include here. However, we have written back to FOS accepting the £300.00 compensation off HBOS but ‘no’ liability is admitted to this bank.


-------------



The fight continues.

[pompeyfaith]

Re: Financial Ombudsman Service - SuperComplaint

My PPI Claim started In March 2008 with the bank and got a deadlock letter in Dec 2008 referred to FOS Dec 2008 and was finalised and offer accepted by me not the FOS in Jan 2011

[helmsman]

Re: Financial Ombudsman Service - SuperComplaint

I can view IP's and was watching who's online (it shows us what threads guests are in plus their IP)

If they are looking in today, pull your fingers out I am into 2nd year now,

[pompeyfaith]

Re: Financial Ombudsman Service - SuperComplaint

I can view IP's and was watching who's online (it shows us what threads guests are in plus their IP)

That was the plan no doubt as you did put the forum on the IA letter lol

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

How do you know Boss?

I can view IP's and was watching who's online (it shows us what threads guests are in plus their IP)

[MattyA]

Re: Financial Ombudsman Service - SuperComplaint

Hanging their heads in total shame is what they should be doing here .....

The trusting UK Consumer deserves 'unbiased' fair play and this thread will prove beyond doubt that the reverse is the case...

I agree totally - So many people dont know what they are entitled to and just agree to what ever the FOS say I assume.

Shame on you FOS you are selling us down the river

[MattyA]

Re: Financial Ombudsman Service - SuperComplaint

Nice to see the FOS are reading this!!

How do you know Boss?

[Batman]

Re: Financial Ombudsman Service - SuperComplaint

Nice to see the FOS are reading this!!

Hanging their heads in total shame is what they should be doing here .....

The trusting UK Consumer deserves 'unbiased' fair play and this thread will prove beyond doubt that the reverse is the case...

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

Nice to see the FOS are reading this!!

[mgfboy]

Re: Financial Ombudsman Service - SuperComplaint

I will have to list all my stuff, the amounts involved and number of accounts means in will be quite a list!!!!

[pompeyfaith]

Re: Financial Ombudsman Service - SuperComplaint

Still have all the letters between us on my x9 PPI policies Co-op complaint that took 3.5 years from start to finish.

Ill get it all out and go through it as they did totally fail and it was me that finally resolved it in the end with out any FOS input on the final offer.

[Batman]

Re: Financial Ombudsman Service - SuperComplaint

Your closed account farce is a good starting point..... being I refer to you in my email to the IA

OK Niddy
As you know I have a shed full of moans against the FOS who always say that the CCA and laws regarding UE issues are nothing to do with them. We have given them acres of proof that accounts are flawed yet do they care – of course not!

However, for the moment I shall stick as you request to just one Complaint I made against Capital One.

This was involving 2 accounts – one that had a balance of around a thousand quid and the other about 200 quid.

The complaint was about:

Multiple mis selling of Payment Protection Insurance Policies
Breaches of Office of Fair Trading Debt Collection Guidelines
Harassment by 3rd Party Agencies instructed by HBOS
Breaches of Data Protection Act 1998
Breaches of Consumer Credit Act 1974

FOS was informed with all data in October 2010.


Capital One stated in August 2010 that the small account was now “Partially settled and closed”.

Nevertheless, recently the FOS Ombudsman after her review on BOTH these accounts stated that:

“It is my understanding that the charges refund, coupled with the PPI refund will effectively, clear the balance owing on account ending xxxx.”

I have written back to ask her what she is playing at as she is hereby referring to the CLOSED account…

The bank said in 2010 it was “closed” yet the Ombudsman is saying any PPI and charges refund relating to both accounts will kill off the smaller closed account …

Is it me or???

Hope this helps...I can name names if required as you know..

I now await the pleasure of any response to my reply off the Ombudsman over this lark..