Hi everyone - I have a complaint re FOS. Since my initial questionnaire I heard from FOS to say that my case may be upheld and the lady whom I spoke to took all my details. A week later I had a letter from a consultant telling me that he has taken up my case and asked me to send some information which I did send via recorded. So in Sep the call then in Oct the letter and yesterday another letter asking me the same thing which I already sent them. In just two lines the consultant asked me what is the business I am complaining about. Surely, if he opened my bundle of documents it has it all. I am sure they are paid by the hour or per day so taking all that time to ask 2 line question is unbelievable. It cost me so far !0 in postal charges to send the documents via recorded delivery twice. If he asked me a question relating to why do I think it was mis sold or something I can understand, but to ask the same question taking 2 months is not very effective way of sorting these out. I bet some of the people on this site could do a better job than those consultants.

So, I complained to Halifax a few weeks ago, they 'refused' my complaint. I wrote to the FOS, who contacted Halifax on my behalf. Halifax told them that they were going to make me an offer within eight weeks (eight weeks is tomorrow). I can see in my Credit Card account (being handled by Capquest, but still visible in my Halifax online banking) that they have credited a sum to my account. I don't have a breakdown of what this sum is, but it was ever-so-slightly more than I was expecting. My question is; given that I had to take this to the FOS and their intervention resulted in Halifax paying up, what am I entitled to in terms of interest? As an aside, I see this as deliberate delaying tactics on Halifax's part, and fully intend making a formal complaint about this - again involving the FOS if needs be.

Hi I wonder if you can help me I am at my wits end I own aproperty with my ex-girlfriend, We split up in 2006 with her living at theproperty with the children after a court ruling which also confirmed she wasentitled to half the house it was agreed by private arrangement between us as Ihad paid the first half of the mortgage on my own with no help from my ex, Andas she was entitled to half she should pay for half, my ex agreed and for 5 years I now know thiswas the case Now over a year ago I was solicited by a ppi claim firm so Irang the mortgage company to find out if ppi was on my mortgage only to be told"was I aware that my mortgage was on interest only payments"!! And totop it had been this way for 36 months The mortgage works (TMW) now part of nationwide buildingsociety has made major changes to my mortgage without my knowledge or consent!And I believe has resulted in a breach of their contract and also failing toput in place after a reasonable time period (I am informed by TMW of it beingapproximately 3 months) a capital repayment vehicle all of which would beacceptable to themselves, all of this is printed in bold letters on everyletter i now receive I complained which resulted in the mortgage being revertingback to repayment, My ex refused to pay, I offered to allow interest only if myex via a solicitor put forward a plan to pay the capital as per their ownpaperwork and rules they refused to get involved!! even though they had causedthis problem. And the property fell into arrears and then TMW startedrepossession proceedings and the property is now up and is in the last stagesof selling. There is a court order pending for repossession on 7th January2014. TMW refused the complaint saying they were following rulesset by the fos and acting fairly to my ex on low income (but not fairly tome!)and it was then sent to the fos who also refused my complaint (no wonder ifindeed the fos rules allowed this to happen) without no mention of the timeallowed on interest only, no vehicle in place etc let alone my consent, notupholding any part of my complaint and taking no notice of my updates into thefailings and conversations with TMW. Indeed saying I should take my ex to court I am indeed thinking about this but feel that had i beenasked at the time I would have answered the same, my ex to put in place avehicle to pay capital and if not the property would have sold then! Not witharrears on it, letters, and court costs and as no payments have been made forthe last 5 months due to TMW informing my ex of my liability a high redemptionfigure. Also as my consent was not sort, I have lost approximately £8000 incapital payments had to reduce the property so to get a quick sale beforerepossession and the fact selling wasn't in the plans the property wasn'treally ready for sale and TMW have to be held to account for this? When werethey going to tell me? When I was liable for £35000-£70000?? at the end of themortgage term. I also feel that the fos has treated me unfairly as TMW ishiding behind fos rules and a quick look on their website has resulted in themupholding far less involved cases! One involving early redemption clausessaying their costs and terms was hidden on page 5 subsec 24! And even payingout for his distress! My rules come on every letter and underlined and in boldtype. TMW have said that they didn't have a forwarding address forme but I informed them that I had indeed left the property and their obligationto both parties ref in a letter sent by my solicitor back in 2006 referring topayment changes which they have still on file What conversations TMW have had with my ex in relation to meI do not know and indeed my ex has never said and has obviously deceived me atevery stage but if she was asked or told changes would require my signature shecould have passed me letters or asked me at any stage I was in contact viaphone, text, email, facebook, work, etc and seeing my children on a weekly basis's and I was indeed relaxedabout the property due to what I thought was the safety of two signatures andthe mortgage contract. And as I was no fixed abode for 5 years after eviction Icould give no address You can’t even begin to understand the stress this hasbrought to me out of the blue and to my current partner who is having to go throughthis with me, something we both agree should have been sorted out three or moreyears ago before we met TMW has failed to act in the best interest of both of itsclients and acting impartially, swinging to my ex and leaving me exposed. Do I have any recourse in relation to these sets ofcircumstances? I await your response in anticipation due to the imminentforced sale of my property and once these matters are closed redress may beimpossible to come by?

Hi there, First time posting here but looking for some advice if at all possible. I've been successful with a number of claims and I've had a claim outstanding with the ombudsman for a while. The background to the story was I found a letter telling me I had PPI on a mortgage I held with the Clydesdale Bank, Initially I wrote directly to the bank who told me they looked at my claim and while I did have a PPI policy it was not mis-sold. I disagreed with this and wrote to the ombudsman for a ruling. I received a response after 8-9 months saying they had reviewed the case and had decided to uphold my complaint and that the bank had 8 weeks to make an offer to me based on their findings. After hearing nothing for almost 3 months I contacted them this week to find out if any updates had appeared on my case. I was told that there was an update stating that the bank had disputed their findings and had provided new evidence which now needs reviewed. This can take 12-18 months again as the whole process goes back to the start again due to this. Has anybody ever had any experience of something like this where initially the ruling is in your favour but then goes back into dispute due to the bank suddenly uncovering new evidence to support their claim? Thanks

Hi Guys, I've got a PPI claim being looked into by the FOS, I've had the letter back acknowledging my compliant and have advised it could take up to 18 Months to get a decision, longer if it needs to go to an actual ombudsman. I'm not too fussed but it just seemed a very long time, are they just covering in case it takes that long? What are other peoples experiences? I'm not looking to moan at them, they are doing me a service after all and I appreciate that I'm not the only one, just seemed...... very long and not in a good way Thanks, Steve

please be gentle as this is my 1st post,sorry to trouble you,did'nt really know where to post my enquiry for the best response I have had a ppi claim which has been with the fos now for 20 months, they have upheld my complaint & have now contacted the broker whom sold me the ppi policy. 7 years ago i remortgaged to find a better deal, the mortgage was for £130,000 over 19 years , it was a low start mortgage initial interest was 2.99% for two years, jumping to 5.75 for the duration, included in the advance even though it was not explained or asked for was a single ppi premium for mortgage protection of £4500 which covered me for 5 years, i have never claimed. what i think is grossly unfair is the fact that i will have to pay interest on the £4500 ppi payment for 19 years, if the company agree to repay my ppi what should i expect to receive as a fair offer? fos say that i should be in the position i was before the policy was sold. thanking you in advance for taking the time & trouble to read this.

I lodged a complaint over the phone with Halifax in early May and obtained a reference number. Halifax failed to issue any correspondence or response to the complaint and after more than eight weeks I referred the complaint to the FOS. I received back a letter saying I must first take up the matter with Halifax and my complaint had been referred back to Halifax for handling. I phoned the case handler and he said that because I had not included the final response or any other evidence of making the complaint, he wasn't going to take the complaint forward. This despite me saying that I hadn't received the response within the eight-week period, nor anything else at all. Halifax is proceeding to re-ignore my complaint (assuming it was ever sent back to them in the first place). Any ideas on what to do next?

Hi all, I lodged a complaint with the FOS about a PDL that refuses to help people in financial difficulty, illness and other difficulties. What was originally a loan of £400 has gone up to £3500 in 18 months despite having paid off £390 through my DMP. I lodged the complaint over a year ago and now have had a phone call from the adjudicator saying that he has investigated the claim. The PDL have "kindly" agreed to decrease the debt to £1000 and have been ordered to pay me £250 in compensation. I said that I was not happy with that, I mean the debt, I was not expecting compensation. The adjudicator then said that he would pass this on to the (chief) ombudsman now. My question is, can the FOS force the PDL to pay me compensation? Has anybody had any experience of this? I am not happy that the debt still stands at £1000 considering the 18 months of sheer hell, I have had with these clowns. The loan was originally £400, what would be a reasonable figure? I was thinking of a final figure of £496 bearing in mind, I have only £100 to go. If I'm not happy with the FOS what is my next port of call? I really do not think that I can go through this again and I really don't want to go to court. Any suggestions/advice would be gratefully received.

Hi all, Thought I would share with you my current battle with the lovely Countrywide Assured! Well I will cut a long story short.................... Back in 2000 I needed a mortgage offer urgently as going to auction for the house i was renting. I had never had a mortgage before, and the advisor told me that there was a new and exciting product on the market called a half endowment/half repayment. I trusted the salesman and signed all paperwork. 18 months down the line I realised my critical error and swaped over to all repayment and cancelled all of my dealings with Countrywide Assured. I did try to get my money back at the time, but was advised that as i had paid less than 2 years i had no chance (paid 18 months). Now then, years down the line and seeing various tv programmes i decided to complain. After a bit of to and froing they did uphold my complaint about the mis selling of the endowment part and i snatched their cheque for that. However they did not uphold my complaint about the mis selling of the lifetime protection plan that ran alongside. Financial Service Ombudsman says he upholds my complaint as the product over ran my mortgage term by 6 years!!!!!!......... But Countrywide must have a novice in the office.....Listen to the response...... "I feel that a critical illness benefit amount above the mortgage amount would have been suitable for the client at the point of sale. Beyond the repayment of her mortgage, had she been diagnosed with a serious illness, she may have had to give up work, have her house adapted or required a carer's assistance and would need funds to assist her.!!!!!!! REALLY................................... Well this has now been refered up to the main Ombusman....Lets see now??? Your comments plese

* Can you help please. I am looking for advice on behalf of my partner. He was diagnosed with a brain tumour back in 2009 and doesn’t need the added stress of dealing with debt so I have been managing it for him. He has various debts which were originally with the Bank of Scotland. They were passed on to Blair Oliver Scott when he failed to make his payments. When he was in hospital for 5 months I was able to set up direct debits for him and now he has made serious dents in what he owes. He has three debts to Blair Oliver Scott which he is paying monthly. One is a credit card, the other two are loans. I filled out a form online for him about 6 weeks ago re PPI on all three of these debts. He received a letter from the BoS asking him to go into his nearest branch and update his address etc. He did that straight away. He then received another letter a few days ago asking him to do this again. I was just about to post a letter from him, stating that he has already done so, when he received a letter through the post from the same customer services advisor stating that they have not ‘found sufficient evidence to agree with your allegations that your PPI policy was mis-sold. As such I am unable to uphold your complaint’. The letter goes on to say: ‘As part of my review, I have considered whether you were eligible for the policy and whether the policy was suitable for you. I have also taken into account each of the concerns you raised with us in your complaint and I can confirm that I did not identify any other issues when reviewing your file. Having completed all of these steps, I went on to look at your complaint as a whole to ensure that we acted fairly towards you in relation to the sale of your PPI policy, giving appropriate weight and balanced consideration to all available evidence. I am sorry that you felt the need to complain about your PPI and appreciate that my full decision may be of disappointment to you. However, I can assure you that I have fully investigated your complaint and all the surrounding circumstances. The letter also states that someone tried to call my partner but they were unsuccessful, he hasn’t received any calls. They have given him an FOS leaflet and said he has the right to refer to the FOS. I am still going to send the letter stating that he has visited his branch with identification etc because this letter re PPI not upheld only refers to his outstanding credit card and not the loans. I know for a fact that he did not understand what PPI was, he is awful when it comes to finances and got himself in a bit of a state some years back. He doesn’t even understand about interest etc and pretty hopeless when it comes to facts and figures. I have sorted it all so that he has since Nov 2009 been paying monthly direct debts to all of these outstanding debts. Can someone advise us on what to do next? He first took out this credit card in 2002, it states that ‘prior to 2005 the sale of PPI was not regulated by the FOS, however, we were members of The General Insurance Standards Council (GISC)’. The form that I filled out in his name re PPI and sent by email stated: 1) That he didn’t know he had PPI (This is so true, he doesn’t know what it is) 2) He was not told that PPI was included in the price he was paying (again so true). 3) The policy exclusions weren’t explained to him before at the time he took the insurance. You were therefore unable to make an informed decision as to whether the insurance was appropriate. (He doesn’t recall anyone sitting and explaining what it is or how it would be added to what he was already paying. Also the letter states that he must respond within 28 days from the date of the letter (13 April) otherwise they will consider the matter resolved. Can you please advise me on what to do next please, I want to him help him with this because it’s shocking that he has paid out on insurance he knew nothing about. For the record he did this with building insurance. He was paying it twice, through his factor and on his mortgage, I noticed it and got him a rebate from his mortgage company. It just shows you that he really doesn’t know. Thanks in advance. Erica x

has any 1 got a photocopy of a completed (filled in) FOS questionaire so that i can copy from it,as i'm not to good at filling in forms and things.it would be a massive help if you have. thanks

hi all. just a simple quick question need answered please if you can????.what's best for starting a ppi claim?????.sending 1 of those ppi template letter's or sending in a FOS questionaire. thanks

Hastings Direct - misleading web site and they don't deal with telephone or written complaints - to makes matter worse after they ignored my letters etc the FOS fined them just £20 - which is in my view is a disgrace. Ed

Hello CAG, As with millions of others, I have a ppi claim now with the FOS. The company concerned (MBNA) was supposed to send the business file across within a month of my paperwork being logged but of course hasn't - and I'm being quoted 12 to 18 months before my file is even looked at. No chasing will be done by the FOS till my file is picked uip by one of their staff (I'm in the queue but have no idea of where I am) and there is apparently no penalty for MBNA ignoring the deadline. This isn't the fault of the FOS who've recruited thousands of extra people to deal with this and are recruiting still more - but it's obvious that there's no incentive to sort this quickly while banks pay 8% on settled claims and lend out at 25%, as others have pointed out. So what I wondered was - is anyone starting/running a campaign to get this looked at in a different way, eg banks have to show why they shouldn't pay out within a fixed shorter time? Thanks for any thoughts/feedback.

has anyone got their ppi claim back despite not escalating it to the FOS within the 6 months. We received a letter back in 2008 from Halifax saying that they had done nothing wrong and that we had not been missold. We believed them (stupidly) and I did not take it any further. With the media coverage I tried to start it up again with FOS and Halifax but halifax would not reopen and FOS would not go with it. nb FOS have been terrible. I sent them info from FSA website about banks having to reopen previously rejected cases, they said would look into it. I didn't chase as thought they were and a month and a half later contacted and another officer said the case was closed the person had just failed to tell me and in fact just emailed saying she would be in touch after looking at all I'd sent. Our case is cast iron I know now. My husband has always been self employed and has had ppi on loans, mortgage and credit cards and so the amount owed is substantial. Can I go to court?>? Or should I give up now. Will the court just say you've gone past this stupid 6 months etc. nb I'm sure they could not today agree with what they have written in their letter in 2008 as haven't they mostly agreed they have missold these things. ie in 2008 Halifax policy was clearly to write 'lies' and not admit any misselling. Help - am at last stage and Would try small claims court but not if I'm not sure if we'd get anywhere. thank you

HI Caggers! I need your help with this! November last year, I had received my initial FOS assessment in my favour about PPI complaint registered against Barclays. On 18th of February 2013, I received another letter from FOS informing me that Barclays contested the decision for the reasons below: please find letter sent by Barclays to FOS. i never had anyone either on phone or face to face who explained to me anything about the PPI policy. it came through the post & i signed it off to them. Dear Sirs We refer to your assessment in relation to Mr xxxx complaint concerning the sale of payment protection insurance (PPI). Please accept our apologies for the the length of time it has taken to respond to your letter. My understand of your assessment is that you believe the complaint should be upheld because you feel that reviewing the Payment Protection Insurance (PPI) policy element of their Barclaycard is not clear from the evidence available that the policy was optional. We have reviewed the complaint relating to the purchase of their PPI policy and have identified that their application form was completed over the telephone with one of our advisors. We believe that our evidence suggest that the optional nature of the policy was made clear to the customer. We have set out below our reason for this, using both our generic evidence and where applicable customer specific evidence. Sales Process Evidence We note that the Payment Protection Insurance was sold 2003 over the telephone. Attached is a copy of our telephone sales script and attach this in appendix 1. We note the following from this script which indicates the optional nature of the policy: · The customer was required to give positive or negative response when asked if they would like to take out PPL policy; · Following positive selection, we in addition make the customer aware of their right to cancel within the first 30 days without obligation; · Even following a positive response the customer is requested to reconfirm their decision;4 · We also note that at no point customer is informed that the policy is obligatory in order to take a Barclaycard. Following positive selection for PPL, a pre-populated Application Form will be sent to the customer following the conversation. We attach in Appendix 2, 3 copies of Application Forms use during this period. We will have sent our original submission a copy of the application form if we hold on file, howeverdue to age of sale, we may not retain copies. The Application Forms are per-populated for convince the customer’s decision. Sections required, then there was further opportunity for it to declined at this stage. In this instance, acceptance was confirmed by signing and returning this documentation to Barclays. The customer would then the application form to the insurer’s, who would review it and if the application was accepted would forward a certificate of insurance to the customer. The certificate of insurance confirms the full terms and conditions of the cover, including all exclusions and highlighting the right to cancel cover within the first 30 days without obligations. As a result of the sales script used, the process following the initial sales call, and the fact that the customer’s recollection of the complaint does not indicate his script was not used, we believe this is sufficient evidence to demonstrate the optionality of cover. Customer Specific Evidence in addition, we note from our investigation, that the customer has not provided any evidence or any testimony that indicates the customer was unaware optionality of the policy. Conclusion In summary, given the above, we do not agree with your assessment of this complaint and would ask that the point raised is considered. We await response In due course. Thank you in advance for helping me with this

http://uk.news.yahoo.com/uk-watchdog-sees-leap-insurance-mis-selling-cases-000836875--sector.html

After 1yr 1/2 we finally had a result from FOS regarding complaint to them over FLM ( now known as AMIGO ) . The FOS upheld the compl:amen:aint of harrassment etc. & awarded £75 to us finding FLM ( Amigo ) GUILTY !!!!!

Can anyone help. i have been to court this morning, the hearing has been adjourned for 3 weeks. The story so far. I have a loan from November 2007 and matures in November 2012. I have arrears to the sum of £3000. The initial loan was for £5500, i have currently repayed £7685 and the original amount including interest if i hadnt got in arrears is £7937. Now, i have got the FOS involved in July 2012 as i have over £2500 in charges, administration fee, direct debit recall fee, solictors fees, default fee's. I called them today and they havent received paperwork, i am sending this again today. Ok what the DC has decided today is to adjourn for 3 weeks, and i have to put a full witness statement to them with 7 days. Firstly. do i have a claim with the dis proportinate charges and interest. Secondly how do i do a full witness statement. Can someone please help?

Any ideas whether I can do anything? The policy docs could not be found and both Santander and the FOS said that it's irrelvant because the policy would have paid out depsite my Father being a Police Officer at the time with long term sickness and other employemtn benefits and higly unlikely risk of being made redundant

MBNA turned down my PPI claim in the summer of 2012. After many months of waiting F.O.S have upheld my case. Thanks to this excellent forum i now have a SAR which give me details of every single transaction going back 11 years (when i took the card out) I am now awaiting MBNA's reponse!

i have submitted 2 claims for ppi sold AT THE SAME TIME by Clydesdale bank one for a loan and one for a credit card. the loan ppi was repaid because they agreed I wasnt given the correct advice and i didnt need the insurance because i am adequatley covered by employment ( i am in the nhs). The other has been rejected because I was given adequate advice and it was sutable for my needs!!!!! I have put a complaint into the fos but I am being fobbed off by the adjudicator with confliciting advice, sibjective comments and pure naff replies. She even quotes " she would find it difficult to believe that the six month`s full pay i would be entitled to from my empolyer in the event of sickness would adequatley cover all me expenses such as morgage etc"..... un bloody believable considering it has to cover me now. Is there any advice any body can suggest to help me when this finally goes to the organ grinder rather than the monkey!!!!

Couldn't really think of an appropriate title, but, I'm after some more advice from you fine people. Basically, I'm about to make a complaint about a PDL to the FOS. The complaint will involve 2 accounts so I was wondering if it would be acceptable to make one complaint per account or should it just be one,covering the 2 accounts? Thanks - Lee.

A few months back, a default was placed on my Welcome finance account after 5 and half years of non payment as the account was in dispute. I phoned Welcome finance asking them to remove the default and renegotiate repayments. Welcome finance agreed to a payment of £100.000 per month via IND. Welcome finance declined my PPI claim on the grounds that I took the PPI via broker therefore I can only claim via the broker.My questions are?Can a default be placed on an account after such a long time of non payment? Justice delayed is no justice.Is there a way to compel Welcome Finance to deduct the PPI amount from the balance?Can I get Welcome finance to remove the charges on the account.Your help will be appriciated as I have already received a final response from Welcome finance and I was hoping to take the issue to FOS.Please help.

Good evening all On 29 October 2012, I wrote to Capital One in relation in a PPI which was mis-sold to me. I enclosed the completed FOS questionnaire. In this time, I have received one piece of correspondence from Capital One dated the 3 Nov 2012 saying that it was being investigated. In my letter of 29 Oct 2012, I explained that if this matter had not been settled within 8 weeks of this letter then I would be contacting the FOS. This stage has now been reached. Could I please have advice on what I should put in the covering letter to the FOS? Thanks in advance.