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Financial ombudsman service - leave it alone and go directly to court
The average bloke in the street would be terrified of the idea of taking an insurance company to court and the costs he might have to face. The FOS gives that person the chance of redress when he feels he's been treated unfairly.
Darias, you're obviously a fairly sophisticated and affluent character and what you have chosen to do might well be best for you, but not for the majority who post on here.
I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
