fos

[kirby]

today received letter from the financial ombudsman.After 15 months dealing with my complaint took the side of bank,having read the assessment it is plain to see that most of the facts are wrong, amounts and dates not mentioned waist of time can see no time or effort put in to complaint.What do i do next lost house job everything due to yorkshire bank.

[leclerc]

Re: fos

today received letter from the financial ombudsman.After 15 months dealing with my complaint took the side of bank,having read the assessment it is plain to see that most of the facts are wrong, amounts and dates not mentioned waist of time can see no time or effort put in to complaint.What do i do next lost house job everything due to yorkshire bank.:tinysmile_cry_t:

Can we have some more details please so that we can give the appropriate advice, since you would have 14 days to appeal that decision which might be applicable.

[Angry Cat]

Re: fos

The operative words being, might be, leclerc!

[leclerc]

Re: fos

The operative words being, might be, leclerc!

I guess when the OP expands on their first post we will have an answer to that question. Without more info neither of us will be able to say for certain.

[The Debt Star]

Re: fos

complain about fos level of service to the indp assessor. helps us all out in the long run if FOS can be hauled up for shoddy work

[CYNthesys]

Re: fos

Can I suggest you SAR the FOS, you should receive copies of all correspondence between FOS and YB in respect of your case, that is unless YB submitted any info on a confidential basis. It seems that YB are notorious for this trick.

[leclerc]

Re: fos

Can we just have some further information about the case itself, first because currently we have nothing to go on to determine IF there is a case in the first instance...

[Angry Cat]

Re: fos

Can I suggest you SAR the FOS, you should receive copies of all correspondence between FOS and YB in respect of your case, that is unless YB submitted any info on a confidential basis. It seems that YB are notorious for this trick.

I doubt that an SAR made to the FOS, would reveal very much!
------------------------------- merged -------------------------------

Can we just have some further information about the case itself, first because currently we have nothing to go on to determine IF there is a case in the first instance...

Yes, it would be of benefit if the OP can provide more detail about his/her case.

[kirby]

Re: fos

in august 2006 yorkshire bank withdrew our overdraft putting use over £1000 overdrawn then the bank used all monies going in to account to pay off overdraft and bank charges some days charges of £140 added.The bank stopped all direct debits including our morgage repayments.We were left with no money for eight weeks with four children to feed had to borrow of friends and family.We visited the branch on the 12th august to sort things out only to be told nothing could be done not doing enough to pay off overdrawn account.Telephoned bank on the 17th august on body would see us dont bother asking would leave some leaflets at front desk.Bank says they have no record of our visit but i kept the letter sent by bank they sent us regarding our visit.In april 2007 the bank took us to court to repossess our home due to arrears.The bank obtained a suspended possession order has long has we paid £50 extra a month on our mortgage repayments.Because our direct debits were stopped default notices started to arrive and demands for full payment of outstanding balances.we could not keep up to our mortgage and again the bank took us back to court on the23rd january 2008 the bank refused any discussions on the matter and wanted out right repossession.with one hour to go before balliffs where due the judge agreed that the bank had treated us badly and suspende possession order to be reviewed 6 months later.Bank repossessed our home on the 29th apirl 2008.The ombudsman says we had two chances to put our case before a judge in fact there was 3 court cases we had won the second but he fails to mention any thing about this. also he says we shoud have gone to the D.S.S or other organization for help to feed our family after bank left us with no money for8 weeks.He points out letters sent to us by yorkshire bank offering help if he had taken time to study these letters they have the wrong address on,also other letters had been posted to an address we had not lived at for over 7 months and had been sent after my complaint had been lodged with the F.O.S it is clear that after dealing with our case for over 14 months he has spent little time and effort in dealing with our complaint and took the bank side from the beginging.Is it possible to have our complaint looked at again by sombody who will investigate and is not biased .

[CYNthesys]

Re: fos

First of all I would ask for your case to be reviewed by an Ombudsman. I recently asked FOS to re-open a case for a friend, whose case had been closed 2 years earlier. FOS obliged and my friend succeeded in getting £20,000+


Re: SAR to FOS
In response to a SAR I made to FOS, I received a huge bundle of papers It included FOS inter-departmental emails, caseworkers and adjudicators notes, as well as an enormous quantity of documentation from YB that I had never had sight of before. A lot of the data revealed YB's dodgy practices that had been going on behind my back.

Found it interesting that the adjudicator asked an Ombudsman to have a look at something to do with my case, adding something on the lines of that it was a YB case and it was old.

[leclerc]

Re: fos

in august 2006 yorkshire bank withdrew our overdraft putting use over £1000 overdrawn then the bank used all monies going in to account to pay off overdraft and bank charges some days charges of £140 added.
They used the right of set off.
The bank stopped all direct debits including our morgage repayments.We were left with no money for eight weeks with four children to feed had to borrow of friends and family.We visited the branch on the 12th august to sort things out only to be told nothing could be done not doing enough to pay off overdrawn account.Telephoned bank on the 17th august on body would see us dont bother asking would leave some leaflets at front desk.Bank says they have no record of our visit but i kept the letter sent by bank they sent us regarding our visit.
What did the letter say?(now you have me intrigued). Did they go through an income and expenditure form? Did they assess you for being in hardship? what did your creditors do? Did you have to open another bank account?

In april 2007 the bank took us to court to repossess our home due to arrears.The bank obtained a suspended possession order has long has we paid £50 extra a month on our mortgage repayments.Because our direct debits were stopped default notices started to arrive and demands for full payment of outstanding balances.
Did you speak to your creditors at the time to explain the problems and ask for any payment arrangements with them?

we could not keep up to our mortgage and again the bank took us back to court on the23rd january 2008 the bank refused any discussions on the matter and wanted out right repossession.with one hour to go before balliffs where due the judge agreed that the bank had treated us badly and suspende possession order to be reviewed 6 months later.
Did you approach the bank with regards to bank charges/financial hardship?

Bank repossessed our home on the 29th apirl 2008.
Was that after failing to keep to any agreement with the bank?

The ombudsman says we had two chances to put our case before a judge in fact there was 3 court cases we had won the second but he fails to mention any thing about this. also he says we shoud have gone to the D.S.S or other organization for help to feed our family after bank left us with no money for8 weeks.He points out letters sent to us by yorkshire bank offering help if he had taken time to study these letters they have the wrong address on,
Was the address error on your account? Has the correct address been recorded? What address did they use for the possession order?

also other letters had been posted to an address we had not lived at for over 7 months and had been sent after my complaint had been lodged with the F.O.S it is clear that after dealing with our case for over 14 months he has spent little time and effort in dealing with our complaint and took the bank side from the beginging.Is it possible to have our complaint looked at again by sombody who will investigate and is not biased .

What was the main issue of contention?

Are we looking at bank charges? Treating Customer Fairly principal?

What outcome are you looking for from the FOS(I'm not entirely clear albeit I am in terms of the fact that there was some things the bank clearly got wrong).

[Angry Cat]

Re: fos

[Quote] by the FOS:
And we prefer to hear from you in your own words. [Quote]
Confusion, can eminate from same...

[kirby]

Re: fos

the letter stated that the bank had tryed to contact us but with out success and the charges applied to our account where valid and to contact them to make arrangements to pay off overdrawn account.spoke to black horse finance who suspended interest on loan until we had sorted our finances out.yes we approeched bank about our finances and they refused to speak or accept any offers regarding payments on morgtage.like i said the adjudicater only mentions going to court 2 but in fact it was 3x on the second court appearance the judge agreed with us and refused the repossession order for 12 noon that day,but the adjudicater dose not mention any of this just states we two oppertuneties to plead our case in front of a judge.tried to open another bank account with several banks with out success one bank even stated that we had got no chance of opening an account.the letters sent by the bank had a different address to our account we lived on cow lane the letters where addressed to gow lane.we did fail to keep up repayments only because we had to pay cash for everything e.g car insurance house insurance ect.

[kirby]

Re: fos

What was the main issue of contention?

Are we looking at bank charges? Treating Customer Fairly principal?

What outcome are you looking for from the FOS(I'm not entirely clear albeit I am in terms of the fact that there was some things the bank clearly got wrong).

bank charges leaving us with no money to live on for8 weeks treating customers fairly

[leclerc]

Re: fos

bank charges leaving us with no money to live on for8 weeks treating customers fairly

When did you go to the FOS?
At the time you went to the FOS how were the bank charges making your case worse, ie if the house was repossessed were you incurring and are you incurring charges today?
What outcome did you expect to receive?