Financial Ombudsman Service - Have your Say

[The Tech Clerk]

Re: Financial Ombudsman Service - SuperComplaint

You can attach my thread from our FOS sub forum if you like , as we know there is a story of FOS and what wonderful people they are (not!!!!)

Say that again, NO = enough said!

[mgfboy]

Re: Financial Ombudsman Service - SuperComplaint

You can attach my thread from our FOS sub forum if you like , as we know there is a story of FOS and what wonderful people they are (not!!!!)

[Batman]

Re: Financial Ombudsman Service - SuperComplaint

Brilliant stuff - sock it to 'em!

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

Interesting....

---> Financial Ombudsman Service problems, incompetent adjudicator and ombudsman










I am the administrator and yes I do have someone on the inside. We're anonymous for obvious reasons but the FOS will know who we are because they can link our cases to their files.

Thanks for the mention, but we're over 2yrs old now and not really 'new' anymore

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

Hi FP

Nice one. If only they were all that easy to get removed. Hopefully one day the tide will turn on these horrible, unscrupulous ar*ewipes for all the problems they have caused people through no fault of their own.

Don't play by our rules? OK we'll mess your life up for a while or for as long as we can.

Cheers
Scrappy Coco

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

Afternoon All,

Well another classic case of a FOS shambles.

I've given up complaining directly to FOS at it's a complete waste on time and my effort.

Something needs to be done and the sooner the better as these muppets are making decisions based in information they got off the back of a fag packet.

In my honest opinion someone who is paid between £50-£75K should have at least some form of training or knowledge of the industry.

It's like me applying for a job as a doctor without ever having been to medical school. Right here you go Scrappy get on with it. If there's anything you don't understand just make any old b*llshit and get them out of here.

Moving on.

Had a PPI claim with RBS (Mint) credit card which they paid for 12 months and cleared the balance. I found another job and was using the card for travel etc. After 5 months in my new job the company when belly up.

Tried to make another claim on my PPI only to be told no can do as I hadn't been back in work for 6 months.

Asked RBS to advise where on the application for it stated that and was advised "Overleaf" well unless I'm completely mental there are no terms relating to PPI overleaf.

Went to FOS and to cut a long story short, I provided all the information I had. I especially made a point of highlighting the legal stuff and where RBS had fallen foul of the regulations etc.

"According to the UTCCRs, a standard term must be expressed in plain and intelligible language. A term is open to challenge if it could put the consumer at a disadvantage because he or she is not clear about its meaning - even if its meaning could be worked out by a lawyer. If there is doubt as to what a term means, the meaning most favourable to the consumer will apply. If you require further clarification please refer to the office of fair trading website.

This being the case, and no terms and condition relating to the PPI policy can be found overleaf I would suggest that the above statement would come into force and you would be required to make further payments to my credit card account."

"31 .05.2005 the rules changed so the agreement containing the PPI what ever it was for would require a separate box for signing to say you want PPI" No separate box at all anywhere on the application form.

"Distant selling regulations - Point of Sale"

So today I receive a final decision from Gideon Moore which makes for interesting reading. With a name like that we can most likely guess where he went to school and what bank daddy works for our bloody well owns

"It is disppointing that, in this case RBS cannot confirm (by way of screenshot's) what information Scrappy Coco would have seen when he took out the policy. But in any event, I consider it more likely than not that it would only have drawn Scrappy Coco's attention to a summary of the policy - which may not have gone into enough detail to make the waiting period between different unemployment claims clear to him"

I supplied a copy of the application to FOS and there isn't anything at all relating to PPI on any of the documentation.

And this quote is the icing on the cake "I must have regard for the law in reaching my decision"

So in short he is allowing RBS to break the law more than once and not having a regard for it and tough on me.

I will scan his response and post it up later for you all to have a good laugh at.

Thanks
Scrappy Coco

[Scrappy Coco]

Re: Financial Ombudsman Service - SuperComplaint

Fortunately that one will be removed thanks to :niddy

Hi FP,

Thanks for the info. Appreciated.

Can you explain your quote above? Confused

Cheers
Scrappy Coco

[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

[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!!!!

[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.

[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

[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.

[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.

[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

here you all go

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