Financial Fight Back Guide discussion

hsa_3

I just wanted to say how grateful I was for this advice and to discover that even though the IFA/company which persuaded me to "buy out" my final salary pension into a personal one had gone bust, I could still pursue compensation.

Via the FSCS I am going to be awarded the maximum amount (which is a bit scary when you realise how much money that IFA has lost me) which is a fantastic result - and without this forum I would never have followed it up.

rdm2007

I made a complaint to FOS and what a waste of time that was.

I complained about being mis-sold mort pmt protection.

I was not advised about 1 of my options. They said i was given enough info to make an informed decision i asked how that was poss if i was not given 1 option and what happened to the truth the whole truth etc - no reply.

The bank then told oft that they had made a mistake and i could not have used this option, oft just accepted this no argument and did not inform me so that i could dispute it, (despite the Independant Assessor mentioning in his report that this should be done.)

The bank fail to provide info so FOS say they make a decision on the likelyhood it may have been mis-sold and found that it wouldn't.

FOS then publish their figures showing that the bank had mis-sold PPI in 86% of cases.

so on what info did they base this decision on ?????

rdm2007

MANSHEZ wrote: »

Thank you for your response. We have contacted the Ombudsman and they have told us that Citi is liable to pay the redress. Having spoke to Citi the person who answered the phone didnt know who the Ombudsman was!!!! and gave the number of their head office. Guess what? It was CAP QUEST who answered, they stated when they bought this from Citi they werent aware of any dispute.
Even though the Ombudsmans office have got a taped conversation of Citi admitting liability it is now back to us to start arguing with them again and what chance do we have when the people who they employ dont even know what the Ombudsman office is?
CAP QUEST are now badgering us constantly for payment on an amount that we dont even owe.

Write to cap quest telling them that the account is under dispute and should be returned to citi. Under fsa rules they should not be contacting you and you are under no obligation to pay 1p until the dispute is sorted.

also their continued contact knowing that this is under dispute is harassment

dunstonh

FOS then publish their figures showing that the bank had mis-sold PPI in 86% of cases.

so on what info did they base this decision on ?????

The 14% that were not upheld.

pandapaws

Can anyone clarify where the six months comes into it? I've read the main article several times but don't understand!

We complained about a mortgage to HSBC about 18mths ago. They eventually told us where to go, and said we only had 6 mths if we wanted to take it to the ombudsman. Due to circumstances at the time I just didn't do it, but it's been bugging me ever since. Are they correct in saying there was a 6 mth limit? Could I make the complaint again? Anything at all I could do?! They stole £8k from me!!

Thanks for any advice.

Equaliser123

In my opinion, the FOS is very rough and ready justice. Nobody who I have dealt with there appears to understand fairly basic points of law.

rdm2007

dunstonh wrote: »

The 14% that were not upheld.

How helpful

Surely by their own figures it should have been 86% likely to have been mis-sold

rdm2007

pandapaws wrote: »

Can anyone clarify where the six months comes into it? I've read the main article several times but don't understand!

We complained about a mortgage to HSBC about 18mths ago. They eventually told us where to go, and said we only had 6 mths if we wanted to take it to the ombudsman. Due to circumstances at the time I just didn't do it, but it's been bugging me ever since. Are they correct in saying there was a 6 mth limit? Could I make the complaint again? Anything at all I could do?! They stole £8k from me!!

Thanks for any advice.

Just send the complaint or ring FOS first, if they say it is correct explain why there was a delay death in family, off ill with depression due to being shafted, whatever the reason if it is reasonable then they should make an allowance for it, Don't expect them to deal with it quickly though - I hear they are a little busy at the moment.

Also report HSBC to FSA coz if they find HSBC has been Naughty they can not just fine them but make them compensate you too, although they do not normally deal with individuals, if it is serious enough they will occasionally get involved

geoff1057

right, couple of years ago my daughter finished paying for her car on finance from fiat, over the period of the finance they charged her late payment fees totaling £120. we sent letters asking for these charges to be returned ,but they told us in not so many words, to get lost. wrote again to ask for charges to be returned, they said reclaiming doesnt apply to them as they are not a bank ,and if we took them to court they would definately win the case,and we would have to pay all their court costs. we know that they are wrong , would we be better sending this case to the FOS. ok its only £120, but its not their money

nurquhar

I have an issue with Europcar for van rental last year.

Basically I rented a van in Aug 2009 and I had a puncture. 4 Months later I got two invoices, one for £170 for a new tire and another for £100 for the AA's callout. They just took the money from my credit card straight away.

Now in the T&C's of the rental agreement it states "1. Any damage sustained during the rental, irrespective of fault will incur reasonable charges to restore the vehicle to its pre-rental condition"

So by chargeing me £170, which includes admin fees, they charged me new for old, ie the existing tyre had thousands of miles of wear on it. Also I got a verbal quote from a local garge who told me that a simple nail puncture in the centre of the tread could be fixed for £15.

Eurocrap refused to dicuss the charges with me on the phone so I sent registerd letter of complaint which they also ignored.

I then complained to the Credit Card company (Bank of Scotland) siting the 2006 Goods and Services act that the charges were unreasonable.

Utlimatly the Card company rejected my complaint and I then telephoned the Financial Ombudsman Service.

They declined to take my case on because the said Van Rental period was for less than 3 months.

Can they refuse to take my complaint ?:mad:

Regrads
Neil