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When do I contact FOS??
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Hi,
I have now written a 5 page letter of complaint to SW about this and fully intend to take the case to the financial ombudsman, regardless of the response from SW as I don't believe insurers should be allowed to get away with this.
That sounds like a vexatious complaint to me.
Be warned - some firms have provision in their terms and conditions to charge for such complaints (though I suspect Sheila's Wheels don't).
And if you complain to FOS before you have a final response or they have had their 8 weeks (which start when they receive it, not when you send it) then FOS will simply pass it on to the insurer - so you will only waste everybody's time, including your own.0
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