Not too good news with my packaged reclaim/FOS

[di30]

Re: Not too good news with my packaged reclaim/FOS

LOL we have an update......

Dear Mr and Mrs

Thank you for your emails.

In October 2013, you provided information regarding the eligibility requirements for various packaged accounts with Lloyds, to Ms Jarrold. Specifically these related to the minimum income required in order to obtain the accounts.

To ensure that all the necessary information is available, the ombudsman has asked that Lloyds provides its comments on this. We have provisionally given a deadline of 28 February 2014 but this may be extended should the business require more time to respond.

I will email to confirm when we receive the response from the business. I will also contact you, should the ombudsman require further information from you.

Yours sincerely


Adjudicator| Financial Ombudsman Service

[di30]

Re: Not too good news with my packaged reclaim/FOS

I know Niddy lol i just wish they would let me know that question I asked you suggested I send them the other day, arh well, it i were the bank they would be responding immediately! lol, will keep you posted......

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

You need to try and forget this for a few weeks now...... Stop being so impatient as it can take months and drive you insane

[di30]

Re: Not too good news with my packaged reclaim/FOS

Still no email, maybe they hesistant lol x

[di30]

Re: Not too good news with my packaged reclaim/FOS

Dear Mr & Mrs

Thank you for your email.

It has been passed to Mr XXXXX XXXXX, who is out of the office today, but returning tomorrow.

Mr XXXXX XXXXX respond to the question you have asked.

Yours sincerely


L
Team Manager|Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR
T: 020 7093 | F: 020 7093 |
E: @financial-ombudsman.org.uk

[di30]

Re: Not too good news with my packaged reclaim/FOS

Thank you too IF....

I wonder why she left, cock-ups? i wonder lol!!

Okay Niddy, I emailed the question but she's already left, so have now asked Jonas by email instead by forwarding her email received, see if he gets back Monday now lol.

Automated email from the Adjudicator who have now left the FOS...

I am no longer working for the Financial Ombudsman Service. Please direct any enquiries to TeamEI12@financial-ombudsman.org.uk.

******************************
This email is covered by our email disclaimer (http://www.financial-ombudsman.org.u...a2.html#emails).

This email was sent from Financial Ombudsman Service Ltd. Registered in
England and Wales. Registered Number: 3725015. Registered Office: South
Quay Plaza, 183 Marsh Wall, London, E14 9SR, United Kingdom.
******************************

Shall I email team TI12 instead do you think, coz the replacement Adjudicator not getting back, and her automated email does also state this?

Just not patient enough,but knowin its been reviewed by the Ombudsman the anxiety kicks in lol x

[di30]

Re: Not too good news with my packaged reclaim/FOS

I'm not very patient, only sent the email Friday to ask the Adjudicator for what info/clarifiation they required from the bank, and no feedback yet.

Okay he may be new as he taken over from another Adjudicator that left last Friday, but surely its only a matter of him asking the Ombudsman on this one.

How long should I give you reckon Niddy to chase up, later, tomorrow? lol! you know me always anxious! lol.

[di30]

Re: Not too good news with my packaged reclaim/FOS

LOL, fingers crossed.

I cannot remember the procedures now once it goes as far as the Ombudsman, but isnt there a non-final decision before the main final? (With the Ombudsman now not the adjudicator).

The last time I went as far as the Ombudsman himself, that was some years ago (I think) lol and cannot recall if he made a decision then the main one after?

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

Just relax

[di30]

Re: Not too good news with my packaged reclaim/FOS

Wonder if the provisional decision will be this week?

Hope Mr jonas gets back tomorrow to let me know the info they want from the bank.

[di30]

Re: Not too good news with my packaged reclaim/FOS

how we decide cases

how the ombudsman service reaches decisions

how can I be sure you take both sides of the story into account when reaching decisions?

Our decisions are based on what we believe is fair and reasonable in the individual circumstances of each case. We weigh up all the relevant facts and arguments. We then decide - on the balance of probability - the version of events that seems the more likely.
We ask both sides for their views, and listen to each side of the story. We may ask you to comment specifically on what the consumer has told us. Similarly we may ask the consumer for their views on what you have told us.
When considering a case, we'll tell you which points we believe have particular weight. Before we make a final decision, both you and the consumer will have the opportunity to raise new points, or to ask us to re-consider facts and arguments.
We will reach a decision based on our consideration of all the evidence we've drawn together by phoning and writing to both sides. We rarely find it helpful or necessary to hold hearings in person in order to establish the facts of a case.

http://www.financial-ombudsman.org.u..._cases_a1.html

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

wait and see, they'll tell you if you really wanted to know

[di30]

Re: Not too good news with my packaged reclaim/FOS

They have to tell you... they are mediators, not the opposition!

Totally agree Niddy!
If they fail to provide me with the info I shall let you. Or what do you suggest I say if they refuse? (just to be prepared) lol. Cheers

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

LOL yeah good idea, do you think they will tell me?

Cheers Nids

They have to tell you... they are mediators, not the opposition!

[di30]

Re: Not too good news with my packaged reclaim/FOS

Thank you too IF....

I wonder why she left, cock-ups? i wonder lol!!

Okay Niddy, I emailed the question but she's already left, so have now asked Jonas by email instead by forwarding her email received, see if he gets back Monday now lol.

Automated email from the Adjudicator who have now left the FOS...

I am no longer working for the Financial Ombudsman Service. Please direct any enquiries to TeamEI12@financial-ombudsman.org.uk.

******************************
This email is covered by our email disclaimer (http://www.financial-ombudsman.org.u...a2.html#emails).

This email was sent from Financial Ombudsman Service Ltd. Registered in
England and Wales. Registered Number: 3725015. Registered Office: South
Quay Plaza, 183 Marsh Wall, London, E14 9SR, United Kingdom.
******************************