Dealing with Financial Ombudsman

dunstonh

notveryeducated said:

Ortives said:

I am also assuming from notveryeducated's post in this thread that they experienced an issue similar to mine with NatWest.

 I've never experienced anything like this but everything in this thread just screams that the bank involved is NatWest or one of their subsidiaries (RBS, Ulster) due to dodginess and incompetence. Closing someones ISA before the 5 year period so they cannot get interest is just such a NatWest Group thing to do. 

With most accounts, even those that pay annually, the interest accrues daily.  So, a closure would nearly always include interest up to the date of closure.

dunstonh

Thrugelmir said:

Ortives said:

Tildaplum said:

Can I go back to your original first post - what is it you want from this forum - what are you asking us to do?

Somebody on the last page said that there should be an appeals process, but for some reason FO are not giving me access to it and want me to start the dispute over from the beginning instead.

Perhaps you are now known as a serial complainer............. Other people have more serious matters that need addressing as a matter of priority. 

Which could be one of the reasons they chose to end services.    That, fraud and a serious lack of trust being the most common reasons.

Ortives

eskbanker said:

Ortives said:

Tildaplum said:

Can I go back to your original first post - what is it you want from this forum - what are you asking us to do?

In summary, my question is:

Are FO correct in saying that I need to raise a brand new complaint with them because the ombudsman I was originally assigned didn't read the complaint, made up a complaint of their own and then made a decision based on the complaint they created themselves?

Somebody on the last page said that there should be an appeals process, but for some reason FO are not giving me access to it and want me to start the dispute over from the beginning instead.

Have you tried the independent assessor recommended last time on a completely unrelated thread?

So the Independent Assessor turned out to be useless, despite Financial Ombudsman even telling me themselves that I would have to take my complaint about their conduct there.

Seemingly the Independent Assessor deal with handling issues such as delays, staff attitude, lack of correspondence, not advising me of my right to an Ombudman review, etc.

My complaint about an Ombudsman failing to address the complaint I raised and altering it to a different complaint is considered to be a staff training issue, which has nothing to do with their office.

Ortives

Thrugelmir said:

Ortives said:

Tildaplum said:

Can I go back to your original first post - what is it you want from this forum - what are you asking us to do?

Somebody on the last page said that there should be an appeals process, but for some reason FO are not giving me access to it and want me to start the dispute over from the beginning instead.

Perhaps you are now known as a serial complainer............. Other people have more serious matters that need addressing as a matter of priority. 

Yet another false assumption from you as I have only ever raised two complaints with FO in my entire life.

I get that you think I should just allow the bank to keep the £20,000 they stole because it is a piddly amount of cash to you, but that's a significant sum to most people.

Ortives

dunstonh said:

Thrugelmir said:

Ortives said:

Tildaplum said:

Can I go back to your original first post - what is it you want from this forum - what are you asking us to do?

Somebody on the last page said that there should be an appeals process, but for some reason FO are not giving me access to it and want me to start the dispute over from the beginning instead.

Perhaps you are now known as a serial complainer............. Other people have more serious matters that need addressing as a matter of priority. 

Which could be one of the reasons they chose to end services.    That, fraud and a serious lack of trust being the most common reasons.

Which of the following do you consider more likely for the reason my ISA was closed?

1. It was on the verge of maturing and the terms meant that no interest was due in the event of an early closure. The bank would owe no interest if they closed it themselves and I would simply get the initial deposit back.

2. The bank considered me to be a serial complainer due to never having raised any complaints with them.

masonic

Ortives said:

dunstonh said:

Thrugelmir said:

Ortives said:

Tildaplum said:

Can I go back to your original first post - what is it you want from this forum - what are you asking us to do?

Somebody on the last page said that there should be an appeals process, but for some reason FO are not giving me access to it and want me to start the dispute over from the beginning instead.

Perhaps you are now known as a serial complainer............. Other people have more serious matters that need addressing as a matter of priority. 

Which could be one of the reasons they chose to end services.    That, fraud and a serious lack of trust being the most common reasons.

Which of the following do you consider more likely for the reason my ISA was closed?

1. It was on the verge of maturing and the terms meant that no interest was due in the event of an early closure. The bank would owe no interest if they closed it themselves and I would simply get the initial deposit back.

2. The bank considered me to be a serial complainer due to never having raised any complaints with them.

Most likely it was (3) The bank believed continuing to offer you banking products and services was a risk to their business.

Given that you're our only source of information about your personal circumstances, and you've not proven to be the most reliable witness so far, I doubt anything posted in this thread will be of use to anyone.

Ortives

born_again said:

Ortives said:

Are FO correct in saying that I need to raise a brand new complaint with them because the ombudsman I was originally assigned didn't read the complaint, made up a complaint of their own and then made a decision based on the complaint they created themselves?

So what was the original complaint about?
If it was about closing a current account and FOS upheld it. Then the bank would also close any other accounts held.

I can't see FOS not reading a complaint. How else could they make a judgement?

But if they say raise a new one, then that is what you need to do. After all they are pretty much the end of the road. Unless you fancy some time in court, which will probably cost far more than £20K

Unfortunately I wasn't specific enough that I was complaining about the ISA, even though that should have been extremely obvious as the only balance was in the ISA and the cheque was for the money in the ISA.

The ombudsman then made a ruling assuming I was complaining about not being sent a cheque for the £0 that was in the savings account.

I pointed out to FO that I was complaining about the ISA and not the savings account, but they didn't care and wanted my complaint to be about not being sent a cheque for a £0 balance in a savings account. Obviously I couldn't care less about the £0 and nobody would raise such a complaint in the first place...

Ortives

masonic said:

Ortives said:

dunstonh said:

Thrugelmir said:

Ortives said:

Tildaplum said:

Can I go back to your original first post - what is it you want from this forum - what are you asking us to do?

Somebody on the last page said that there should be an appeals process, but for some reason FO are not giving me access to it and want me to start the dispute over from the beginning instead.

Perhaps you are now known as a serial complainer............. Other people have more serious matters that need addressing as a matter of priority. 

Which could be one of the reasons they chose to end services.    That, fraud and a serious lack of trust being the most common reasons.

Which of the following do you consider more likely for the reason my ISA was closed?

1. It was on the verge of maturing and the terms meant that no interest was due in the event of an early closure. The bank would owe no interest if they closed it themselves and I would simply get the initial deposit back.

2. The bank considered me to be a serial complainer due to never having raised any complaints with them.

Most likely it was (3) The bank believed continuing to offer you banking products and services was a risk to their business.

Given that you're our only source of information about your personal circumstances, and you've not proven to be the most reliable witness so far, I doubt anything posted in this thread will be of use to anyone.

Perhaps I should go around making false accusations about everybody on the site and having digs at people in order to fit in better? It seems to be how most people on here behave after all.

masonic

Ortives said:

masonic said:

Ortives said:

dunstonh said:

Thrugelmir said:

Ortives said:

Tildaplum said:

Can I go back to your original first post - what is it you want from this forum - what are you asking us to do?

Somebody on the last page said that there should be an appeals process, but for some reason FO are not giving me access to it and want me to start the dispute over from the beginning instead.

Perhaps you are now known as a serial complainer............. Other people have more serious matters that need addressing as a matter of priority. 

Which could be one of the reasons they chose to end services.    That, fraud and a serious lack of trust being the most common reasons.

Which of the following do you consider more likely for the reason my ISA was closed?

1. It was on the verge of maturing and the terms meant that no interest was due in the event of an early closure. The bank would owe no interest if they closed it themselves and I would simply get the initial deposit back.

2. The bank considered me to be a serial complainer due to never having raised any complaints with them.

Most likely it was (3) The bank believed continuing to offer you banking products and services was a risk to their business.

Given that you're our only source of information about your personal circumstances, and you've not proven to be the most reliable witness so far, I doubt anything posted in this thread will be of use to anyone.

Perhaps I should go around making false accusations about everybody on the site and having digs at people in order to fit in better?

So far all of your false accusations have been quite focused. I don't think spreading them around everybody in the site will help matters, but if you must continue to make false accusations it would probably be fairer to include everyone.

Now, tell me more about the £20,000 the bank stole from you...

Ortives

masonic said:

Ortives said:

masonic said:

Ortives said:

dunstonh said:

Thrugelmir said:

Ortives said:

Tildaplum said:

Can I go back to your original first post - what is it you want from this forum - what are you asking us to do?

Somebody on the last page said that there should be an appeals process, but for some reason FO are not giving me access to it and want me to start the dispute over from the beginning instead.

Perhaps you are now known as a serial complainer............. Other people have more serious matters that need addressing as a matter of priority. 

Which could be one of the reasons they chose to end services.    That, fraud and a serious lack of trust being the most common reasons.

Which of the following do you consider more likely for the reason my ISA was closed?

1. It was on the verge of maturing and the terms meant that no interest was due in the event of an early closure. The bank would owe no interest if they closed it themselves and I would simply get the initial deposit back.

2. The bank considered me to be a serial complainer due to never having raised any complaints with them.

Most likely it was (3) The bank believed continuing to offer you banking products and services was a risk to their business.

Given that you're our only source of information about your personal circumstances, and you've not proven to be the most reliable witness so far, I doubt anything posted in this thread will be of use to anyone.

Perhaps I should go around making false accusations about everybody on the site and having digs at people in order to fit in better?

So far all of your false accusations have been quite focused. I don't think spreading them around everybody in the site will help matters, but if you must continue to make false accusations it would probably be fairer to include everyone.

Now, tell me more about the £20,000 the bank stole from you...

I have to ask. Why have you wasted 15 years of your life trolling people on this website? Do you ever sit back and think about all of the better things you could have done with your life?

Edit: Excellent. I've hit ignore and masonic is now wasting his time trolling me as I cannot see their posts.