Charging order/FCA complaint

CStar75

I'm looking for some advice please. Long story short, a high street bank issued a charging order, then an order for sale claim for a personal guarantee on a now liquidated business overdraft. Agreed in court 2 years ago to pay an agreed monthly fee and the OFS claim was lifted. The bank did not volunteer to provide banking details for 2 years leading up to the case so a debt counsellor advised at the time, a complaint could be lodged on the basis that we had not been given any opportunity to make payments for 2 years by the bank and that a similar case happened with Barclaycard where the FCA ruled that compensation had to be paid and the debts were written off.....

https://www.moneysavingexpert.com/news/2018/03/barclays-to-refund-some-loan-and-credit-customers-100s---check-if-youre-affected/

It was suggested at the time to let the dust settle, show willing by making payments and revisit the complaint at a later date.  Has anyone else lodged a FCA complaint and were successful in similar circumstances or can offer advice moving forwards?  Thank you.

sourcrates

Well, it`s not possible to make individual complaints to the FCA, (Financial Conduct Authority) as they are the regulator.

The mechanism for financial complaints handing is the FOS (Financial Ombudsman Service).

However, all complaints should first be made to the institution concerned, only when a final response has been given, can you escalate the matter further.

I`m not sure that -

"It was suggested at the time to let the dust settle, show willing by making payments and revisit the complaint at a later date".

was particularly good advice, as time limits apply to complaints handling, if you were unhappy with any aspect of their service, you should tell them straight away, otherwise you may lose the right to do so.

CStar75

Thanks for your reply.  I believe we have about 6 years to complain and perhaps we should have done at the time but our fear was losing our home at that particular time. The bank's legal team were particularly aggressive, even the debt counsellor and other forum discussions were surprised of the approach taken.  I wonder if anyone has had a similar successful experience as I fear that the aggression will return if we push a complaint forwards.