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 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