Financial ombudsman service

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What are peoples experiences of using FOS?
I see them as weak and pathetic like much of the regulation of this industry.

I owed Debenhams (GE Capital) just over £100 At the time I owed alot of money and had a debt management plan with CCCS. This amount was paid off and confirmed by CCCS that this was the case.

Unknown to me and despite correspondence from GE saying interest had been frozen, they decided to add interest and unbeknown to me made a CCJ against me passed on the debt to not one but two third parties and now it is £286. They sent correspondence to an out of date address despite experian having the correct address.
Challenged this through the FOS. They rejected it and now intended to appeal against it. No paperwork has been provided despite requests regarding original agreement and PPI.

What are other peoples experiences of the FOS they seem useless to me?

Comments

  • lisyloo
    lisyloo Posts: 29,639 Forumite
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    I won several cases, so found them very helpful albeit slow.

    Is your case outside of their remit?
    What was their resons for the rejection?

    Just because they don't agree with you, or it's outside of their remit, doesn't mean they are useless.

    What did they say, in their rejection letter?
  • lisyloo
    lisyloo Posts: 29,639 Forumite
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    Although if you don't like the FOS ruling you can still take that route.

    You certainly can.
    But i would say that if the FOS have ruled against you then you need to take an objective look at whether you might be wrong.
    Comapanies can be wrong, but people can also sometimes be intransigent when they have an emotional attachment to being right.

    So if they have ruled against you, you need to take a long hard objective look at the facts and not just go to court as a knee jerk reaction.

    We might be able to be objective, if you tell us why they rejected your case.
  • jakswan
    jakswan Posts: 12 Forumite
    edited 20 August 2010 at 4:46PM
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    I hope I'm ok asking this question here. I've a long running saga with regard to an old debt and it normally runs in a little circle like this.

    1) I Chased by Debt Collection agency I reply tell them I need documentation.
    2) The Debt Collection Agency pass it back to Lloyds TSB they register it as complaint after 2/3 months they tell me that as far as their concerned I owe the money if not happy go to FOS.

    After a month or so I get the Debt Collection Agency on again.

    I've told them bottom line it's either the produce the documents or take me to court but it just gets passed to Lloyds TSB again.

    I won't bore you with the details but I've taken legal advice and been told my case is pretty sound but I've been nervous of the FOS.

    I guess I'm asking can I lose anything by going to the FOS.

    I can if required give you the full story on it but it would be a long post and it's not strictly a Credit Card issue.
    jakswan .co. uk Just me droning on about Gadgets and the Wife, two kids, massive mortgage, yes it is boring:p
  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
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    jakswan wrote: »
    I hope I'm ok asking this question here. I've a long running saga with regard to an old debt and it normally runs in a little circle like this.

    1) I Chased by Debt Collection agency I reply tell them I need documentation.
    2) The Debt Collection Agency pass it back to Lloyds TSB they register it as complaint after 2/3 months they tell me that as far as their concerned I owe the money if not happy go to FSA.

    After a month or so I get the Debt Collection Agency on again.

    I've told them bottom line it's either the produce the documents or take me to court but it just gets passed to Lloyds TSB again.

    I won't bore you with the details but I've taken legal advice and been told my case is pretty sound but I've been nervous of the FSA.

    I guess I'm asking can I lose anything by going to the FSA.

    I can if required give you the full story on it but it would be a long post and it's not strictly a Credit Card issue.

    start your own post not use others, pay your card as you know you have spent it
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