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 FOS's Compulsory and
Four - The FOS's 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 FOS's '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 Respondent's Insolvency: The FSCS and the Third Party (Rights Against Insurers) Acts
Nineteen - Complaining About the FOS
Twenty - FOS and the FCA Consumer Duty