Niddy vs HSBC

[Never-In-Doubt]

Re: Niddy vs HSBC

You once said in an email to him "you make me sick" Is it possible that you are now having the same effect on him ?

I take the fifth as I'll say something I'll regret

[PlanB]

Re: Niddy vs HSBC

My reply, in part, based on him (wait for it) - being out the office for a week (is it me or does he always bugger off once he replies to an upset consumer? - its becoming habit isn't it?)...

You once said in an email to him "you make me sick" Is it possible that you are now having the same effect on him ?

[PlanB]

Re: Niddy vs HSBC

Thanks. Good idea. I'll do a FOI on Monday and post details here.

And while you're at it Niddy find out how many Ombudsman Decisions have also been investigated by the Independant Assessor who has the mandate to award compensation of up to £100k (paid out by the FOS) to a consumer if a cock-up has been made at that level. She's a fab woman whose email account cannot be accessed by anyone at the FOS even though she's based in their building I wonder why that system was put in place

[pompeyfaith]

Re: Niddy vs HSBC

The Banking sector would probably be bankrupt if the FOS made the right decision on every case sent to them lol

[Never-In-Doubt]

Re: Niddy vs HSBC

Niddy

Being able to prove something is wrong holds no weight with FOS once they have made their minds up. They obviously have a culture of never being wrong or at least admit to it.

It will be interesting what the ombusman actually says, I would like to see the stats of how many adjudicator positions are overruled by the ombusman????

Thanks. Good idea. I'll do a FOI on Monday and post details here.

[mgfboy]

Re: Niddy vs HSBC

Niddy

Being able to prove something is wrong holds no weight with FOS once they have made their minds up. They obviously have a culture of never being wrong or at least admit to it.

It will be interesting what the ombusman actually says, I would like to see the stats of how many adjudicator positions are overruled by the ombusman????

[PlanB]

Re: Niddy vs HSBC

The FOS has a major recruitment drive on at the moment with nightly full page ads in the London Evening Standard. It openly admits that to become an adjudicator you need no formal qualifications All the job requires is the ability to have a good "perspective" on complaints and be able to see the situation "from both sides". The ad is then printed again on the next page back-to-front which I thought was a printing error until I realizied the FOS was being serious.

A closer look at the job description emphasises the importance of meeting targets and the connection between performance and pay progression. Isn't this a tacit admission that the adjudicators are overworked and try desperately to close a case wthout proper consideration of the facts?

In the real legal world a solicitor gathers the facts and then presents them to a barrister to provide an informed opinion, while bowing to counsel's greater knowledge.This is the bit that's missing from the FOS process.

I don't care if anyone from the FOS reads this post because it's about time they climbed down from their ivory tower in Canary Wharf and started to do the job properly.

[Never-In-Doubt]

Re: Niddy vs HSBC

I will PM you tomorrow

thank you

[BBoo]

Re: Niddy vs HSBC

Banks don't do fair! The FOS are impotent twats. Despite there being endless safeguards to protect the consumer, the powers that be $hit themselves at the thought of actually penalising someone.

That's why I'm so passionate about all this - everything is so incredibly unfair and unjust.

[PlanB]

Re: Niddy vs HSBC

I will PM you tomorrow but I took the view that under FOS rules I didn't have to accept an Ombudsman's final Decision even though the firm does. That would have left me free to pursue it to court with an even longer paper trail as evidence No harm in letting the bank rehearse its arguments upfront for me to see eh?

[Never-In-Doubt]

Re: Niddy vs HSBC

all I want is to be treated fairly. Is that too much to ask, really?

I didn't do anything wrong, it was all caused by an over zealous fraud investigator at HSBC that didn't like it when I complained to his manager so he had a grudge and thus closed my accounts when I was out the country.

Now, what is hard about that? What did I do wrong in all that?

It beggars belief. It truly does.

[BBoo]

Re: Niddy vs HSBC

The
Ombudsman's
Sad
Service
Exacerbates
Ridiculous
Situations

[helmsman]

Re: Niddy vs HSBC

Did you really expect much difference from the Fobbing Off Service?

Hi Niddy,
My complaint is now coming up to the year with the FOS they are still asking the bank for more details. I have from a SAR request confirmation that what I had said in court was confirmed. My solicitor has said they are useless as they will not correspond at all. When they finally make a decision I fully expect to lose.
Good Luck Hope you stuff them.

[Never-In-Doubt]

Re: Niddy vs HSBC

I recently had a case dismissed by an adjudicator and then overturned by an Ombudsman. I sincerely hope you do too

Did you formalise it and go to the team manager prior to the ombudsman or did you jump straight to the ombudsman?

Any tips please? PM only - not here.

[PlanB]

Re: Niddy vs HSBC

The FOS is supposed to be a cost effective alternative to going to court, but it is meant to do exactly the same job which is to judge (hence adjudicators) whether a firm had got it right Yes or No. If the firm gets it wrong then the firm must pay compensation. But it's become a namby pamby super nanny who tries to mediate when it should adjudicate. It's too scared to bite the hand that feeds it. It tries to get the consumer to accept that when the bank screwed you over it was acting in good faith and didn't really mean it. So that's alright then. We should kiss and make up

I recently had a case dismissed by an adjudicator and then overturned by an Ombudsman. I sincerely hope you do too