P.O. BOX 5, FRODSHAM CHESHIRE WA6 6FL
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PRACTICAL
HELP TO RESOLVE DEBT COMPLAINTS & DISPUTES WITH UK LENDERS (BANKS,
BUILDING SOCIETIES & FINANCE COMPANIES) INCLUDING ARBITRATION, LIAISING WITH
OMBUDSMAN/ARBITRATOR & SOLICITORS. ALSO FREE DEBT
CONSOLIDATION, DEBT COUNSELLING, ENDOWMENT MORTGAGE, OLD MORTGAGE DEBT
ADVICE, CCA AGREEMENTS.
(THE FINANCIAL SERVICES AUTHORITY IS THE REGULATORY BODY) www.fsa.gov.uk
These are all free, but require that any company complaints procedures are followed first. Refer to earlier information on 'How to Complain' and obtain British Bankers Association, Financial Services Authority, Finance & Leasing Association guides if unsure. If the complaint is not dealt with satisfactorily a 'letter of deadlock' should be obtained from the company you complain to enabling you to refer to the relative Ombudsman.
The time taken to investigate a complaint can vary considerably. Normally the Ombudsman decision is binding on the Company but not the person complaining, although in the case of FLA Arbitration it is binding on both. If the matter is already the subject of legal action a check will need to be made as to whether the Ombudsman can investigate. It is also wise to check to ensure the right Ombudsman is approached!! DEBTWISE can assist in drafting correspondence and if necessary act on behalf of the person complaining.
DEBTWISE may be able to offer PRACTICAL(but not legal) advice about any Banking/Lending problems and disputes. Time may be of the essence in dealing with banks, and banks are occasionally reluctant to hold off any action while the Financial Ombudsman investigates!
SOLICITORS COMPLAINTS : Help offered to deal with complaints about service provided by solicitors including referring to Law Society. See The Legal Complaints Service website for information about what complaints they can look at. www.legalcomplaints.org.uk