A Practical Guide to Financial Ombudsman Service Claims - Second Edition

This book cuts a path through the rules of the Financial Ombudsman Service (or FOS) with practical guidance to the law and procedure of FOS complaints. It provides an indispensable guide for lawyers navigating such complaints, and for those who wish to challenge FOS decisions before the Courts. It also addresses the difficult area of how FOS complaints interact with Court procedures.

CONTENTS

One - Introduction to the FOS

Two - The Complaint

Three - The FOSs Compulsory and

Four - The FOSs Territorial Jurisdiction

Five - Who Is an Eligible Complainant?

Six - Time Limits for Complaints to the FOS

Seven - Procedure: An Introduction

Eight - Determining Jurisdiction and Summary Dismissal of Complaints

Nine - Fact Finding

Ten - Oral Hearings

Eleven - Determining the Complaint: The FOSs Fair and Reasonable Approach

Twelve - Paying for the Complaint

Thirteen - FOS Awards

Fourteen - How an Award Is Accepted or Rejected,

Fifteen - Enforcement of FOS Awards in Court

Sixteen - Interaction Between the FOS and Litigation

Seventeen - Challenging FOS Decisions in the Courts: Judicial Review and Other Options Procedure

Eighteen - The Respondents Insolvency: The FSCS and the Third Party (Rights Against Insurers) Acts

Nineteen - Complaining About the FOS

Twenty - FOS and the FCA Consumer Duty