Final Decision from the FOS

[Ruby]

Can anyone please tell me what course of action is still left to me after a final decision has been made by the Ombudsman? They have completely rejected my claim (the air is blue in my house right now!!) and have sent me a reply card for me to tick whether I agree with their decision or not. In my case obviously not and have told them such.

What can I do now?

I have told them why I have rejected their decision and why. One of the points in their decision is that they (FOS) agree with the sub-crime company I have the complaint against that arrears fees of £58 are fair!!!

Please help!

[leclerc]

Re: Final Decision from the FOS

Can anyone please tell me what course of action is still left to me after a final decision has been made by the Ombudsman? They have completely rejected my claim (the air is blue in my house right now!!) and have sent me a reply card for me to tick whether I agree with their decision or not. In my case obviously not and have told them such.

What can I do now?

I have told them why I have rejected their decision and why. One of the points in their decision is that they (FOS) agree with the sub-crime company I have the complaint against that arrears fees of £58 are fair!!!

Please help!

have they said that this is the end of the line? I took a complaint on Credit card charges all the way and did not get the result I wanted but ultimately, I knew that from the time that they rejected the claim.

[Ruby]

Re: Final Decision from the FOS

As its their final decision I assume it is the end of the line. I have the option to reject their decision however on the reply card it states:-

A final decision by an ombudsman is our last word on the complaint. We send the final decision at the same time to both parties - the consumer and the financial business.

Can I challenge their final decision especially since I strongly feel they omitted to address important facts?

[CleverClogs]

Re: Final Decision from the FOS

Do you want to be fobbed off again by the Fobbing Off Service?

[PlanB]

Re: Final Decision from the FOS

Can I challenge their final decision especially since I strongly feel they omitted to address important facts?

You can refer your complaint to the Independent Assessor in relation to service levels only such as you sent in evidence or documents which were not put in front of the Ombudsman. She cannot overturn the Ombudsman's Final Decision but if she decides the FOS got it wrong (in the way the complaint was handled) then the FOS would pay you compensation and not the firm you've been complaining about. However she won't assess whether the Ombudsman gave due regard to your facts

http://www.financial-ombudsman.org.u..._reference.htm

[CleverClogs]

Re: Final Decision from the FOS

You can refer your complaint to the Independent Assessor in relation to service levels only such as you sent in evidence or documents which were not put in front of the Ombudsman. She cannot overturn the Ombudsman's Final Decision but if she decides the FOS got it wrong (in the way the complaint was handled)

But not in the way that the Fobbing Off Service fobbed her off?

[leclerc]

Re: Final Decision from the FOS

But not in the way that the Fobbing Off Service fobbed her off?

With respect, how does your post help Ruby in terms of her choices? give her choices rather that the usual stuff of how bad the FOS is otherwise you're not helping at all on the thread or is there something that you might was to contribute with?

[PlanB]

Re: Final Decision from the FOS

give her choices rather that the usual stuff of how bad the FOS is

I've won five cases with the FOS in the last couple of years :high5: A successful outcome often depends on how you present your case. If you feel your Adjudicator doesn't 'get it' then you can ask his/her manager to assign your investigation to another more senior one. I've made a right nuisance of myself at times :yell:

[Ruby]

Re: Final Decision from the FOS

Thanks guys for your responses. It looks like I have come to (almost) the end of the line with the FOS There is obviously a way with dealing with FOS which I must still muster! This is incredibly frustrating because I am completely passionate about my case otherwise I would have let go by now. PlanB is the Independent Assessor with the FOS?

[CleverClogs]

Re: Final Decision from the FOS

With respect, how does your post help Ruby in terms of her choices? give her choices rather that the usual stuff of how bad the FOS is otherwise you're not helping at all on the thread or is there something that you might was to contribute with?

I was commenting on the (deliberately) inadequate protection for customers afforded by the Fobbing Off Service, the staff of which largely comes from the banks complained about and which staff members will, after a few years, return to one or other of those banks. It is not difficult to understand why, save in the most egregious cases, the ombuds-wallahs will tend to side with their once and future employers.

If you have some insight on how Ruby's complaints may yet be judged fairly, please post it.

[leclerc]

Re: Final Decision from the FOS

I was commenting on the (deliberately) inadequate protection for customers afforded by the Fobbing Off Service, the staff of which largely comes from the banks complained about and which staff members will, after a few years, return to one or other of those banks. It is not difficult to understand why, save in the most egregious cases, the ombuds-wallahs will tend to side with their once and future employers.

If you have some insight on how Ruby's complaints may yet be judged fairly, please post it.

But if she has a final decision, the next question is where does she go from here? Does she take court action? Or is that it?

Statistics from their own website state most cases are judged in favour of the consumer and not the bank but we do not know how they have adjudicated the case or how it has been presented. As i said on this thread, I lost a case with them in terms of credit card charges but in hindsight I think I would have tackled the case slightly but whether I would have got the same outcome is anyone's guess..... For me I knew when the case went to the FOS and they had said no, and I had asked it to go to an Ombudsman that the case was lost because they were intransigent despite the evidence.

[PlanB]

Re: Final Decision from the FOS

This is incredibly frustrating because I am completely passionate about my case otherwise I would have let go by now. PlanB is the Independent Assessor with the FOS?

No the Independent Assessor is completely independent with own website and email address/server. She's a very nice lady - she upheld a complaint of mine and paid compensation so I would say that wouldn't I

Last year she upheld 54% of her cases (i.e over half if you want to put spin on it) which tells me that the FOS often get things wrong because by the time you reach her you've already had the opportunity to have your case revieved by a manager and a senior manager who can settle the complaint.

http://www.independent-assessor.org.uk/#7

Is there a thread on your complaint to see whether there may be other ways to fight this problem of yours?

[Ruby]

Re: Final Decision from the FOS

Thanks for the info. Please look at my thread about 'Unregulated Secured Loans', sorry I don't know how to post up links. Its in the VIP area so you would be able to access it. I have in recent times referred to my case on a number of occasions. I have NEVER had any luck with the FOS so why I thought this time would be different, I don't know!! I really do believe that LB members are better qualified than the b******s that work there. The biggest difference is we give up our own free time on here and don't get paid.

[MIKE770]

Re: Final Decision from the FOS

The Fob Off Service are a wast of time & effort , because the Banks etc state you can go to them does not mean you have to, and the reports that they agree with more consumer complaint than with the Banks is laughable and incorrect listeneing to hundreds of poster everywhere including personal experiances

[Ruby]

Re: Final Decision from the FOS

One smaller part of my complaint was being charged £58 per month in arrears fees. As we all know the OFT a couple of years back ruled that anything over £25 was 'excessive'. The OFT think so however the FOS think it IS fair!!!