Financial Ombudsman Service - Have your Say

[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.

[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

here you all go

[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.

[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 ?

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint

Cheers mate

[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

Here's a challenge.

We (AAD) will sponsor someone to get a job there and whistle blow. Blow the service wide open

PM me if interested and we'll sort something out. Serious replies only please.

Let's video the whole shambles and let the world see the real FOS!!

[kilasuit]

Re: Financial Ombudsman Service - SuperComplaint

think ive found a new job seems anyone can apply

Needs no real experience at all

[transformer999]

Re: Financial Ombudsman Service - SuperComplaint

Just goes to show that the FOS are an arse just like the law!!!!

[Undercover Elsa]

Re: Financial Ombudsman Service - SuperComplaint

She got to be Chief Ombudsman in 18 months after starting with no financial qualifications??!!

That says it all really.

[mgfboy]

Re: Financial Ombudsman Service - Super Complaint

I think the whole of FOS is out of it's depth, in that it can't recruit enough people with the experience to review cases.

As far as I know they is no minimum qualifications that an adjudicator/ombudsman needs to get a job and I would be very interested in see what their internal training is like once they have one. I have to prove to the FSA that I'm competent in what I do so who does FOS have to prove it's staff competence to?????

I might apply for a job there ( but I bet I would be barred because of my credit history!!!!)

I've attached a file showing what they are looking for, it really makes you laugh!!!

[transformer999]

Re: Financial Ombudsman Service - SuperComplaint

Just a little info I read this morning Niddy and thought I should post up! Challenging a decision of the Financial Ombudsman Service: dare you? United Kingdom June 18 2012 Over recent years, the courts have made it clear that a very high degree of deference is to be shown to decisions made by Ombudsman services. Only last year, the High Court – in refusing an application for permission to apply for judicial review in R (Sharma) v Parliamentary & Health Service Ombudsman [2011] EWHC 2609 – highlighted the prevailing view of the courts that although judicial review of the Parliamentary Ombudsman is permissible, it will be a rare event. This trend resurfaced again last month in a decision concerning the Financial Ombudsman Service (“the ombudsman”). In R (Green) v The Financial Ombudsman Service Ltd [2012] EWHC 1253, the ombudsman had found that Mr Green, a financial adviser, had misled his clients, Mr and Mrs Gunner, on the risks associated with a pension drawdown scheme, a finding which Mr Justice Collins clearly accepted. In his decision, the ombudsman went a step further and concluded that the Gunners would not have entered into drawdown arrangements had they been advised properly about its risks; a conclusion Mr Green challenged. Although not expressly stated in his judgment, it is evident that Mr Justice Collins did not himself agree with the ombudsman’s conclusion on causation – namely that the Gunners would not have entered into the scheme if they had been given proper advice – noting that, “hindsight does sometimes change perceptions.” However, what Mr Justice Collins was very clear about, was that it was not a decision he was able to overturn. The test he had to consider was whether the decision was irrational in the Wednesbury sense, and it simply was not. Of future interest to Ombudsman services and those thinking of challenging their decisions was the discussion of the scope of the deference to be shown to the Financial Ombudsman, and Mr Justice Collins remarks that where a decision maker has a particular expertise and is given a wide discretion, such as the Financial Ombudsman, it will be very difficult to establish that a particular decision was irrational.

[Batman]

Re: Financial Ombudsman Service - SuperComplaint

The whole HBOS fiasco is massive and included us telling FOS about things like the bank 'self-admittedly' losing over a dozen prime letter from us but hey ho - so what.FOS 'still' backed the bank over its appalling PPI misselling/CCA dismissal agenda. ...I could run up similar accounts about rank FOS apathy against the customer on Barclays, Citi, Littlewoods and several other complaints.

Then there is the charming case of an FOS Ombudsman ignoring/dismissing the fact that 1st Credit were chasing a HFC account (now closed)that had a truck load of PPI still to be refunded on. FOS 'still' backed the hostile DCA on this insanity!

Its all so 'bad' it's bloody well comical and you just could NOT make it up..

FOS are a joke, clearly bank-orientated against the consumer on the vast majority of cases, and frequently at odds with their own workers BUT the establishment will not deal with this sensitive issue - yet!

It cannot go on regardless though and I predict that the world press WILL have a field day with it all in due course.

[Never-In-Doubt]

Re: Financial Ombudsman Service - SuperComplaint