Financial Ombudsman - not fit for purpose

Stitching_Witch_2

Whats the point

Bogalot

Has your case been assessed by the ombudsman as well as the adjudicator? If not this would be your next step.

What exactly is your complaint?

As a rule the FOS are more than fair in dealing with consumer complaints. What did they recommend the £100 payment for?

If you go to the independent assessor then keep in mind that they are not there to review the facts of your case and potentially change the outcome. They review the way in which the FOS treated you.

agrinnall

How to complain about the Financial Ombudsman.

http://www.financial-ombudsman.org.uk/faq/answers/complaints_a12.html

DCFC79

Stitching_Witch wrote: »

Hi all

As mentioned in another thread, we made the mistake of taking out a debt management plan with Harrington Brooks. We have had awful problems with them spanning the last 12 months. I ended up complaining to the Financial Ombudsman, confident that they would investigate my complaint thoroughly and fairly.

I couldn't have been more wrong. It took them three months to reach a decision. Whilst they found that HB should pay us £100 they stated that there was insufficient evidence to support my claim. This is despite me providing them with all emails and written proof of the issues we had experienced. In the emails I received from the Ombudsman there were multiple and basic errors which I had to keep highlighting etc

As a trained investigator I am absolutely dumbfounded at the incompetence of the ombudsman. If this is how they are with a relatively simple complaint then heaven help those with more complex financial issues!

I am intent on taking this to the independent assessor but have no real hope of a positive outcome. Thanks to the ombudsman, Harrington Brooks have got away with it all

What will you do if the assessor doesnt agree with you ?

tykesi

DCFC79 wrote: »

What will you do if the assessor doesnt agree with you ?

Post on here bleating about how unfair it all is and then when anybody replies with anything other than "poor you" spit her dummy out and delete the post!

DCFC79

tykesi wrote: »

Post on here bleating about how unfair it all is and then when anybody replies with anything other than "poor you" spit her dummy out and delete the post!

Yes and the same with the other posts she made.

Rainbowgirl84

Harrison Brooks
Financial Ombudsman
EDF
Trustpilot


...and now MSE forum!

RuthnJasper

The Financial Ombudsman service have helped me twice in the past. Both times they were helpful and efficient and entirely professional.


Just because a decision goes against the claimant, it doesn't mean that it was wrong, poorly-investigated or biased.

Mrs_Ryan

I saw one absolutely terrible adjudicator once- it was with my friends complaint about Capital One. She didn't have a clue what she was on about, said Capital One were not compelled to treat customers fairly who had told them they were in financial distress, they had only called her once despite being shown proof of phone records which stated on one day they had called her 12 times in a day (naughty) and also the account was with Lowell and she should call them to arrange a payment plan. (This was despite the account being recalled to Capital One 3 months before and her being told this on two occasions)
Unfortunately for her I used to work in the Financial Difficulties department at Capital One and I wrote her a very long and technical letter explaining just exactly where she had gone wrong. The account was then passed to an Ombudsman who read my letter and upheld the complaint- they also said in the letter the original adjudicator had been 're-trained'

quaybab

FOS was created so the judiciary don't have to deal low life's squabbling with their banks.

Financial Services and Markets Act 2000 para 228(1) says the FOS decide a case on fair and reasonable - no laws, rules etc. Badly worded legislation happens all the time - we know this recently from Brexit. But in this case, judicial review doesn't work because of the statement in the outset.