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Is it common 4 complaint to b referred to Financial Ombudsman?


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Hi everyone. I have sent my first preliminary letter to LLoyds TSB and received a response from them telling me all the reasons why their charges are fair. It concludes with "I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges." It then says "Please let me know if there is anything else i can do. If we cannot come to an agreed solution after this I will help you refer your complaint to the Financial Ombudsman Service for independent advice." Is this standard?

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