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Am I Being Greedy By Going To Financial Ombudsman
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If you can clearly cost the £250 you want, then you should go for it. When you take it to the FOS, chances are Lloyds TBS will put an increase offer in its file sent to the FOS 2 weeks after you get acknowledgement the case is converted (accepted for investigation by the FOS).
When an FOS adjudicator takes the case, they negotiate with the respondent (bank etc) and get them to cough up if they think thats what should happen. If an ombudsman takes the case latter, they rarely disagree with the adjudicator.
A note for anyone complaining - you can go to the FOS even after accepting settlement but the FOS rarely award more than the offer made. They never award a lower payment but say the original offer is still available.
Taking it to the FOS just adds annoyance value and your own final decision on http://www.ombudsman-decisions.org if they don't cough.
great link! many thanks!0
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