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Ringways and Liverpool Victoria
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I agree, but that would come as little comfort to the first adviser as he was writing out his cheque to the FOS.
I think FOS itself acts like a car clamping scam. You pay £500 even if you have done nothing wrong.
FOS says that you get three free cases but knows full well that network members do not.
It also gives its adjudicators a backhander for "resolving" cases so they have an incentive to look at those where there is clearly no case to answer.
From next year it plans to charge £850 for PPI cases. A few spurious complaints could quickly bring down a small firm trying to do its best for its customers.0
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