Anyone dealt with Financial Ombudsman??

Organic12

I have finally settled with A&L via the FOS.

The FOS did find in my favour and awarded me further compensation. The FOS were willing to consider further details of my case but to increase the compensation even more, quite fairly, required documentation from me. These I do not easily have to hand and would require some digging around.

Having taken from September 2008 to May 2009, I decided this palava had taken up enough of my energy and to settle.

IMHO the FOS did deal with me fairly. However, it was quite apparent that my letters were not always read properly, which I found frustrating. For example, they thought I was pursuing for the entire loss, though I had already expressly stated otherwise in my letters. When I pointed such errors out, they were good enough to apologise. I did recall the advice that I'd have to be patient and therefore did not give up.

Even after all this time, A&L have failed to answer all my concerns, choosing instead to answer the more simple ones. The FOS did not ask A&L why this was, which I guess would have been something for an obudsman not an ajudicator to investigate.

Anyhow, life is too short and other (more fruitful) matters are demanding my attention, so I signed the settlement. I really did not think any further compensation would make up for the additional time and effort involved.

An enormous thank you to everyone who has taken the time to post, I really appreciate it. For those who need to approach the FOS in the future, the one thing I learned, regardless of the frustrations, was that being utterly charming on the phone pays hugely! For those with cases still outstanding, I wish you the very best luck.:beer:

melorablack

Organic12 wrote: »

Coincidently, A&L gave me their final response only yesterday.

Now the Ombudsman can do something to help you.

They couldn't before as you hadn't recieved a final response. That is what they meant by "giving A&L a chance to respond"

Organic12

Melorablack, I think you've partially read my OP not the update?

Per my OP, A&L had written to me at the end of the eight weeks stating they could not give me a final response but that I could go to the FOS. By A&L's own admission therefore I had given them "a chance to respond".

My post this morning, clearly states the FOS have helped me and that I believe they have been fair.

(My point in the OP was that A&L waited for the FOS to contact them before giving any kind of response, around week 10.)

melorablack

Organic12 wrote: »

Melorablack, I think you've partially read my OP not the update?

Per my OP, A&L had written to me at the end of the eight weeks stating they could not give me a final response but that I could go to the FOS. By A&L's own admission therefore I had given them "a chance to respond".

My post this morning, clearly states the FOS have helped me and that I believe they have been fair.

(My point in the OP was that A&L waited for the FOS to contact them before giving any kind of response, around week 10.)

Ah..I get it now...I think it was too early on a Saturday morning for me before

Organic12

melorablack wrote: »

Ah..I get it now...I think it was too early on a Saturday morning for me before

Lol :rotfl:, I know the feeling!