Financial Ombudsman vs Small Claims Court

agrinnall

philipr wrote: »

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I refer you to my previous post. If you're unable to find it yourself here is the New Thread button.


https://forums.moneysavingexpert.com/newthread.php?do=newthread&f=173

waamo

philipr wrote: »

My son bought a car on finance, after 5 1/2 months the engine. clutch and gear box all had to be replaced at great expense. Garage he bought it from do not reply to letters. Finance company have passed correspondence to their 'Complaints Dept' who cannot help as they maintain wrongly it was over 6 months. Is it best to go to Financial Ombudsman or fight it out in Claims Court.

Enforcing a small claim can be notoriously difficult. You can end up significantly out of pocket even if you win.

Using the Ombudsman gives you two bites at the cherry and if they rule in your favour a finance company will find it much harder to wriggle out of their responsibility than a rogue garage.