Bank not advising of my rights to contact Financial Ombudsman Service following making a complaint

Nearlyold

This is a quote from an Ombudsman's final decision on a similar complaint they dealt with:- 

"It was not HSBC’s responsibility to monitor or investigate how Miss C chose to spend her own money. Banks sometimes do block or question purchases as a measure to combat fraud and ensure that money is only spent by its customers, and not stolen by third parties. But it doesn’t have to police how its customers choose what to spend their money on. The transactions Miss C is complaining about were all made by her, and so the bank had a duty to follow her instructions. I don’t agree that HSBC had to ensure that she spent her money wisely."

Herbalus

JohnSmith999 said:

This is the point. They acknowledge it was a complaint and didn't do any of this. Had they done so, I would've gone to the FOS.

What you’re missing is that nobody thinks the FOS would have upheld your complaint, so it wouldn’t have made any difference if you’d written to FOS in 2012.  The outcome would still have been the same. 

Hence I don’t think this will achieve anything and you are probably best advised to put your considerable energies towards something that has a better chance of yielding a tangible result.

JohnSmith999

Herbalus said:

JohnSmith999 said:

This is the point. They acknowledge it was a complaint and didn't do any of this. Had they done so, I would've gone to the FOS.

What you’re missing is that nobody thinks the FOS would have upheld your complaint, so it wouldn’t have made any difference if you’d written to FOS in 2012.  The outcome would still have been the same. 

Hence I don’t think this will achieve anything and you are probably best advised to put your considerable energies towards something that has a better chance of yielding a tangible result.

I'm not missing that some people are saying that. As for the latter bit, what do you suggest?

SpreadableToast

JohnSmith999 said:

Herbalus said:

JohnSmith999 said:

This is the point. They acknowledge it was a complaint and didn't do any of this. Had they done so, I would've gone to the FOS.

What you’re missing is that nobody thinks the FOS would have upheld your complaint, so it wouldn’t have made any difference if you’d written to FOS in 2012.  The outcome would still have been the same. 

Hence I don’t think this will achieve anything and you are probably best advised to put your considerable energies towards something that has a better chance of yielding a tangible result.

I'm not missing that some people are saying that. As for the latter bit, what do you suggest?

Yes, you are.
I strongly doubt you would have gone to the FOS if they'd told you.  In fact, I suspect you knew the FOS existed and would have gone to them if you thought you had a case.

You're trying to catch the bank out on a technicality because you think you've been wronged and want vengeance.  You have not been wronged and it's your own fault.  Move on and stop wasting everyone's time.

Herbalus

JohnSmith999 said:

Herbalus said:

JohnSmith999 said:

This is the point. They acknowledge it was a complaint and didn't do any of this. Had they done so, I would've gone to the FOS.

What you’re missing is that nobody thinks the FOS would have upheld your complaint, so it wouldn’t have made any difference if you’d written to FOS in 2012.  The outcome would still have been the same. 

Hence I don’t think this will achieve anything and you are probably best advised to put your considerable energies towards something that has a better chance of yielding a tangible result.

I'm not missing that some people are saying that. As for the latter bit, what do you suggest?

Sorry that was open to interpretation wasn't it. I meant something not related to this case I’m afraid. Your energies will yield better results if you forget this case and move on with your life. Continuing to chase the bank after 8 years isn’t a good use of your time or theirs.

JohnSmith999

SpreadableToast said:

JohnSmith999 said:

Herbalus said:

JohnSmith999 said:

This is the point. They acknowledge it was a complaint and didn't do any of this. Had they done so, I would've gone to the FOS.

What you’re missing is that nobody thinks the FOS would have upheld your complaint, so it wouldn’t have made any difference if you’d written to FOS in 2012.  The outcome would still have been the same. 

Hence I don’t think this will achieve anything and you are probably best advised to put your considerable energies towards something that has a better chance of yielding a tangible result.

I'm not missing that some people are saying that. As for the latter bit, what do you suggest?

Yes, you are.
I strongly doubt you would have gone to the FOS if they'd told you.  In fact, I suspect you knew the FOS existed and would have gone to them if you thought you had a case.

You're trying to catch the bank out on a technicality because you think you've been wronged and want vengeance.  You have not been wronged and it's your own fault.  Move on and stop wasting everyone's time.

"Move on and stop wasting everyone's time."

Says the troll who could've just moved on and NOT posted on my thread.

born_again

JohnSmith999 said:

I'm not missing that some people are saying that. As for the latter bit, what do you suggest?

Chasing the person you lent the money too. 
That may yield something.

JohnSmith999

At the time, I learned from solicitors that he had 'nothing' in his bank accounts, so he'd gone to great lengths to hide the money. And then he skipped the country.

Nearlyold

JohnSmith999 said:

At the time, I learned from solicitors that he had 'nothing' in his bank accounts, so he'd gone to great lengths to hide the money. And then he skipped the country.

Did these solicitors you know give you any sort of opinion on your case against the bank, they might be able to give you a few pointers to an approach that would yield success or conversely identify any fundamental flaws in your case that means there is no prospect of a positive outcome in terms of the bank repaying you - either way it could save you a lot of wasted time and heartache.

JohnSmith999

Nearlyold said:

JohnSmith999 said:

At the time, I learned from solicitors that he had 'nothing' in his bank accounts, so he'd gone to great lengths to hide the money. And then he skipped the country.

Did these solicitors you know give you any sort of opinion on your case against the bank, they might be able to give you a few pointers to an approach that would yield success or conversely identify any fundamental flaws in your case that means there is no prospect of a positive outcome in terms of the bank repaying you - either way it could save you a lot of wasted time and heartache.

I didn't discuss that with the solicitors at the time, as we just discussed dealing with the fraudster. It costs me nothing to challenge the bank about things now, whereas to go back to the solicitors (and they wouldn't have any of my paperwork about it now, from 2011) would cost a lot of money. Hence, I'll go to the bank direct.