Financial Ombudsman Service - Have your Say

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

Because they hadn't received all the required documentation back until the 16th August.

who never received it back until then?

Sorry, am confused......

[The Tech Clerk]

Re: Financial Ombudsman Service - SuperComplaint

We are dedicated in what we do here hence our info is usually bang up to date and can be vouched for.

yes, if you complain about the adjudicator to the team manager then they may offer compo for the inconvenience and then reassign it to a checking adjudicator (case review handler).

If you do it your way, you miss this out and it gets fast tracked to the Ombudsman. Sod that, I like to argue and kick up a stink.

Batman must have had about a grand in compo from the FOS to date, I have had just shy of £600 in 2 complaints as well. That is compo from the service for the way they handled the complaint

Stick to our route, works best mate

Compensation from regulators - live & learn, see your reasoning there.

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

I'm going to ask for another Adjudicator to look at my case before the Ombudsman gets his or her hands on it.

No you can't do that, you need to write back to the adjudicator that you're dealing with and then ask for them to escalate it to their team manager as you feel they are siding with the insurer and thus treating you unfairly.

This will then generate a reply from the team manager, whom you then demand allocates it to a case review adjudicator.

Best of luck

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

The FOS are a right weird bunch, what reason did the adjudicator give for refusing your claim?

Because they hadn't received all the required documentation back until the 16th August.

As I said why send separate requests when it could have been included in the surrender pack??????

An when you speak to the Adjudicator and ask questions they freeze up like a naughty school kid who's been caught doing something they shouldn't. They never answer the question like bloody politicians


Cheers
Scrappy Coco

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

Wow complain to the Manager? more mis info from another site. Mind you I like Scrappys having a go at the Adjudicator though = nice one.

We are dedicated in what we do here hence our info is usually bang up to date and can be vouched for.

yes, if you complain about the adjudicator to the team manager then they may offer compo for the inconvenience and then reassign it to a checking adjudicator (case review handler).

If you do it your way, you miss this out and it gets fast tracked to the Ombudsman. Sod that, I like to argue and kick up a stink.

Batman must have had about a grand in compo from the FOS to date, I have had just shy of £600 in 2 complaints as well. That is compo from the service for the way they handled the complaint

Stick to our route, works best mate

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

I'm going to ask for another Adjudicator to look at my case before the Ombudsman gets his or her hands on it.

Lent my lesson with that one a while back

Cheers
Scrappy Coco

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

The FOS are a right weird bunch, what reason did the adjudicator give for refusing your claim?

[The Tech Clerk]

Re: Financial Ombudsman Service - SuperComplaint

Hi NID,

I will have to dig them out and double check.

What I can't understand is why all this information wasn't requested upon receipt of the surrender forms.

Why send separate requests for each item delaying matters?

Cheers
Scrappy Coco

Another area on contention - good question?

[The Tech Clerk]

Re: Financial Ombudsman Service - SuperComplaint

Wow complain to the Manager? more mis info from another site. Mind you I like Scrappys having a go at the Adjudicator though = nice one.

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

Hi NID,

I will have to dig them out and double check.

What I can't understand is why all this information wasn't requested upon receipt of the surrender forms.

Why send separate requests for each item delaying matters?

Cheers
Scrappy Coco

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

Cheers GANGSHIELD

I will certainly be making my views known to them that's for sure.

I just can't believe that once again a financial institution has caused the delays yet has done nothing wrong

Cheers
Scrappy Coco

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

To summarise, the surrender valuation date was set on the day that all relevant forms were received and I am not of the opinion that Countrywide is responsible for a delay.

25 days after we sent them back recorded next day delivery and signed for.

But in between this time they asked for proof of who we were. This was provided by a District Judge (Family Friend) Copies of our passports, Proof of Signatures, Banks Details.

And only once they received all this information (Separate requests for each item) did they finally surrender the policy.

As all this information was requested when the initial phone call was made. So I am lost for words.

do the terms actually state that they will use the price upon surrender, of completed ID or do they say they will use the price as at the date you request surrender...?

I guess the terms are the key to this query.....

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

Listen Scrappy get this straight & now = Reply that you are not happy with the response given and the subject answers and now wish foir the case to be reviewed by the Ombudsman (trouble can takke up to a year) or so. I did on another subject - still waiting. good luck!

No no - that is not how to behave with the FOS. When it goes to Ombudsman then you're out of luck so we always suggest arguing with the adjudicator as much as you can including a complaint to the team manager (free compo) complaining about the adjudicator then as a last resort you go to the ombudsman.

Never jump in with ombudsman demands, they are not our friend and generally find against us....

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

To summarise, the surrender valuation date was set on the day that all relevant forms were received and I am not of the opinion that Countrywide is responsible for a delay.

25 days after we sent them back recorded next day delivery and signed for.

But in between this time they asked for proof of who we were. This was provided by a District Judge (Family Friend) Copies of our passports, Proof of Signatures, Banks Details.

And only once they received all this information (Separate requests for each item) did they finally surrender the policy.

As all this information was requested when the initial phone call was made. So I am lost for words.

[The Tech Clerk]

Re: Financial Ombudsman Service - SuperComplaint

Listen Scrappy get this straight & now = Reply that you are not happy with the response given and the subject answers and now wish foir the case to be reviewed by the Ombudsman (trouble can takke up to a year) or so. I did on another subject - still waiting. good luck!