MattyA's Masterplan....

[MattyA]

Re: MattyA's Masterplan....

Cheers Boss - My comment was a flipant & lightheated one, I wasnt having a pop at flower nor was I or am I offended / upset in anyway.
Apologies Flower if it came across that way.

Re : Amex - Its probably time to cut my losses and reach agreement with them.

I have had our friendly site sols in the case (running in tandem with FOS) as FOS were taking so long & Amex had upped their offer prior to the FOS decision....so I think it is time to settle this one.

Doesnt make it right though & I just wonder how many people Amex have had offer / the FOS have let down this way.

Matty

Amex - PPI claims

Still waiting to here on this ....negotiations are ongoing ,we have counter offered to 'split the difference between their latest offer and the amount in my claim.
We will see.

[MattyA]

Re: MattyA's Masterplan....

Cheers Boss - My comment was a flipant & lightheated one, I wasnt having a pop at flower nor was I or am I offended / upset in anyway.
Apologies Flower if it came across that way.

Re : Amex - Its probably time to cut my losses and reach agreement with them.

I have had our friendly site sols in the case (running in tandem with FOS) as FOS were taking so long & Amex had upped their offer prior to the FOS decision....so I think it is time to settle this one.

Doesnt make it right though & I just wonder how many people Amex have had offer / the FOS have let down this way.

Matty

[Never-In-Doubt]

Re: MattyA's Masterplan....

Matt - mate, nothing was meant by the master plan comment. Utmost respect dude.

Remember your our reclaim champion

Good luck with the Amex fiasco. What do you plan on doing out of interest? Cut your losses or go to court? Is it "worth" spending £x to get back £x + £y? If so, is litigation an option...?

[MattyA]

Re: MattyA's Masterplan....

Not mocking you at all Matty, I admire what you've been doing, in fact, I'll soon be taking a leaf out of your book!

Well thats good to hear - If you need any help along the way please do not hesitate to contact me.

Good luck

Matty

[MattyA]

Re: MattyA's Masterplan....

Blimey - This has caused a stir.....

Thanks for all the responses people - much appreciated.

I agree fully with the seperate thread and will post up my issues on it , but need to sit tight for a couple of weeks or so - I have a court hearing coming up very soon and I am also expecting another FOS decision on the same case , so I dont really want to upset them for a week or two.

That said - as soon as I get their comments be it good or bad I will post them up for sure.

Kind regards & thanks everyone,

Matty

[MattyA]

Re: MattyA's Masterplan....

Now this sounds like an excellent 'masterplan'!!!

How can we go about 'outing' them?

Tut Tut Flower - you can mock if you wish but,my 'masterplan' has served me well thus far

Thanks for popping by.

Matty

[di30]

Re: MattyA's Masterplan....

Wow that is superb Niddy :niddy

[Never-In-Doubt]

Re: MattyA's Masterplan....

Update ---> Financial Ombudsman Service - SuperComplaint - allaboutFORUMS

lets do it

[PlanB]

Re: MattyA's Masterplan....

More like it 60/40 split

I call that the "vast majority" or "over half" of all complaints about the FOS were upheld by the IA. Shocking statistic when you come to think about it And that's just the consumers who have the energy and the know-how to take it that far

I know the comp is poor but the ammunition is brilliant if you want to pursue something to court

[Never-In-Doubt]

Re: MattyA's Masterplan....

edit - current figures ---> http://www.financial-ombudsman.org.u...11.pdf#page=61

More like it 60/40 split

In 60% of these cases I upheld the complaint of poor service and I made recommendations in
46% of the cases (5 year average = 44%). The Ombudsman Service accepted all of my
recommendations, most of which were for financial compensation for avoidable distress and
inconvenience with sums ranging from £25 to £750 and an average of £215.

In 40% of cases I found that the Ombudsman Service had followed its normal process and
handled contact with the complainant with reasonable efficiency. I class these cases as
Satisfactory.

[Never-In-Doubt]

Re: MattyA's Masterplan....

Although the Independent Assessor cannot overturn an Ombudsman's Decision (actually she can in rare instances - see link below) she does have the power to assess if the FOS got it wrong. And if they did then she can order the FOS to pay the consumer up to £100k in damages instead of the bank you complained about compensating you. I don't give a toss who pays up quite frankly.

This link is encouraging. Note that 41% of complaints to the IA were upheld in favour of the consumer, and all but seven received compensation from the FOS:

http://www.financial-ombudsman.org.u...ia_report.html

The more of us who take our complaints all the way to the IA the better

That was Michael Barnes - it's now Linda Costello Baker - so cannot compare as they have entirely differing views.

Although I think that Barnsey works under baker...? Can't be sure but I think so?

But I agree, they can compensate but nowhere near the level suggested. Most I ever heard was £2000 authorised via IA which in itself is shocking.

edit - current figures ---> http://www.financial-ombudsman.org.u...11.pdf#page=61

[PlanB]

Re: MattyA's Masterplan....

Although the Independent Assessor cannot overturn an Ombudsman's Decision (actually she can in rare instances - see link below) she does have the power to assess if the FOS got it wrong. And if they did then she can order the FOS to pay the consumer up to £100k in damages instead of the bank you complained about compensating you. I don't give a toss who pays up quite frankly.

This link is encouraging. Note that 41% of complaints to the IA were upheld in favour of the consumer, and all but seven received compensation from the FOS:

http://www.financial-ombudsman.org.u...ia_report.html

The more of us who take our complaints all the way to the IA the better

[di30]

Re: MattyA's Masterplan....

Well to be fair, the IA is as much use as a chocco fireguard, I say it's a waste of yet more public funds but who am I to whinge.....

Point is, they assess the service - NOT the decisions made by the service so to get anything usually you'd be listing the faults in process, ie * why did the ombudsman agree to then disagree 18 months later? * The ombudsman omitted to calculate the refunds properly

etc etc

Hmmm yes when you put it like that I must agree.

[Never-In-Doubt]

Re: MattyA's Masterplan....

Doh!

Right ok, so what about if they agree with the errors of wrongdoings? I suppose as similar to mgfboy, they offered a payment of distress & inconvenience "may be considered perhaps" if Matty can prove this of course.

Well to be fair, the IA is as much use as a chocco fireguard, I say it's a waste of yet more public funds but who am I to whinge.....

Point is, they assess the service - NOT the decisions made by the service so to get anything usually you'd be listing the faults in process, ie * why did the ombudsman agree to then disagree 18 months later? * The ombudsman omitted to calculate the refunds properly

etc etc

[di30]

Re: MattyA's Masterplan....

But Di, the IA cannot assess the ombudsman decision ONLY if they acted in accordance with the FOS Guidelines...... thus unless Matt has proof of wrongdoing/errors from the staff the IA cannot get involved......

Best of luck whatever

Doh!

Right ok, so what about if they agree with the errors of wrongdoings? I suppose as similar to mgfboy, they offered a payment of distress & inconvenience "may be considered perhaps" if Matty can prove this of course.