Financial Ombudsman Service vs Finance & Leasing Association

topoftherock

Hi guys, I understand both offer a free, independent service for resolving disputes. Moreover, Black Horse state that “if your case is not eligible for the FOS, you can write to the FLA setting out your concern”. So, does this suggest you should always complain to the FOS first? Are there any differences? E.g is one better than the other? Any help would be greatly appreciated. Thank you.

societys_child

I don't know, I really don't know . .

SonOf

So, does this suggest you should always complain to the FOS first?

No. They cover different periods of time. So, you use the one that is appropriate for your situation.

topoftherock

SonOf wrote: »

No. They cover different periods of time. So, you use the one that is appropriate for your situation.

Hi SonOf, thanks for the reply. Ah really? I didn’t read that or black horse didn’t mention that. So what time periods do both cover then?

[Deleted User]

topoftherock wrote: »

I didn’t read that or black horse didn’t mention that. So what time periods do both cover then?

I suggest you find out whether you even had PPI and your complaint is rejected before worrying too much about any possible onward referral you might make. If you receive a rejection, the lender will include information about who you may (or may not) appeal to.

It goes without saying that if you are rejected because you had no PPI, your complaint is at an end.

topoftherock

Moneyineptitude wrote: »

I suggest you find out whether you even had PPI and your complaint is rejected before worrying too much about any possible onward referral you might make. If you receive a rejection, the lender will include information about who you may (or may not) appeal to.

It goes without saying that if you are rejected because you had no PPI, your complaint is at an end.

Fair point money