i'm ready to refer my Section 75 claim to the FOS. what do i do ?
I recently made a Section 75 claim against my credit card company as I believed I was owed a refund from a retailer. However, they refused to reimburse me. I then submitted a detailed report to the credit card company, explaining why I thought I deserved the refund.
Unfortunately, the credit card company swiftly dismissed my claim without much explanation. I followed up with a comprehensive report highlighting the breach of contract, misrepresentation, and raised concerns about their customer service and lack of investigation.
Once again, they rejected my claim without providing adequate reasoning, indicating it as their final decision. I'm considering escalating this matter to the Financial Ombudsman Service (FOS) for investigation. Is this the correct step to take?
Should I inform the credit card company about my intention to involve the FOS? Would it be beneficial, or is it unnecessary? Additionally, for anyone who has been through this process before, what documents should I prepare to lodge this case with the FOS? Would it suffice to include all correspondence and receipts?
Regarding the covering letter, do I need to further explain why I'm pursuing this case? I hope this process is straightforward, but any hints or tips from your experience would be greatly appreciated.
Thanks in advance for any assistance.
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