Mis-sold packaged account - advice?

Nasqueron

Alpine_Star wrote: »

That's irrelevant to the consideration of their status being described as a ''third party'' in the context of complaints.


'Third party' means ''a person or group besides the two primarily involved in a situation, especially a dispute''.


They have no 'involvement' whatsoever in any 'situation' and clearly and accurately state that ''We are an entirely independent issue-resolution tool that enables the raising and handling of consumer issues, making complaining simpler for everyone''.


Is that clear enough for you?

Well firstly you clearly don't understand what a third party is, even given your copy paste:

Complainer writes letter -> sends to Bank
Complainer -> submits form to resolver -> resolver sends form to Bank

QED Resolver is a third party

All they are doing is adding an extra step in a way that will likely in the future give you adverts and spam along the way which you wouldn't get writing a letter along with the risk of a hacker stealing your details from the site and gaining loads of information on you.

Resolver has to make money just as MSE does and if you think they won't exploit the data they hold on you, you're rather naive. All it seems to offer is an automatic harassment of companies on their social media which will spam them and prevent legitimate messages being read

[Deleted User]

Nasqueron wrote: »

QED Resolver is a third party

Of course it is.

I agree it's not a third party in the sense that a Claims Management Company is, because there is no upfront fee and no percentage of any redress is charged. However, it's inaccurate to describe it as "free" because it clearly isn't. "An entirely independent issue resolution tool" is by definition a third party otherwise it wouldn't be independent.

Making a direct complaint to the financial institution concerned is the simplest and most clear cut method in my opinion. Others are free to disagree and use this "tool", but I often read promotion of it on the forum and I'll always question this when it doesn't appear to be bona fide.