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financial-ombudsman.org.uk in the search results

calculating redress for mis-sold mortgage endowments [PDF]

http://www.financial-ombudsman.org.uk/publications/technical_notes/QG4.pdf
calculating compensation for mis-sold mortgage endowments. This quick guide is for businesses who receive relatively few complaints about mis-sold mortgage ...

consumer factsheet: thinking about fair ... - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/factsheets/bank-computer-troubles.pdf
It will help you and your bank if you can give them a clear list of what you're claiming – with the key facts and figures. Try to keep everything short and to the point. Don't worry about writing long detailed letters. RBS and NatWest customers can contact their bank online at www.rbs.co.uk/ · personal/help-and-support.ashx.

compensation for distress, inconvenience, trouble and upset

http://www.financial-ombudsman.org.uk/publications/technical_notes/distress-and-inconvenience.htm
Find out the financial ombudsman's approach to compensation - including distress, inconvenience and other types of non-financial impact caused by a ...

banking transfers, payments and cheques - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/transfers-payments-and-cheques.htm
online technical resource. banking transfers, payments and cheques. overview. Consumers transfer money and make payments using a range of methods, such ...

Consumer Questionnaire - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/PPI-consumer-questionnaire.doc
This questionnaire is for consumers to bring a complaint about the sale of payment protection insurance (PPI). It is the standard PPI questionnaire used by most ...

issue 49 - National Savings & Investments joins the Financial ...

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/49/national-savings-investments.htm
article on National Savings & Investments joining the Financial Ombudsman Service.

powers of attorney on bank accounts - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/52/powers-of-attorney.htm
examining the issue which may arise when bank accounts are operated under powers of attorney.

issue 39 - applying the principles of the Association of British Insurers ...

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/39/abi-39.htm
The Statement of General Insurance Practice (the "statement") is issued by the Association of British Insurers (ABI). It sets out normal practice for general insurance that is taken out, in a private capacity, by policyholders who are resident in the UK. It does not apply to commercial insurance (insurance for companies or for an ...

car finance - help from the ombudsman - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/car-finance.html
Complaint about car finance? Find out the ombudsman's approach to sorting things out fairly - from faulty cars to problems with repayments.

Retirement Today, Happy Holidaying - Financial Ombudsman

http://www.financial-ombudsman.org.uk/assets/pdf/RetirementTodayNov-Dec09.pdf
Page 1.

issue 79 - complaints involving car finance - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/79/79-car-finance.htm
Another form of car finance that features fairly regularly in the complaints we see is the type of loan that is often called a "fixed-sum loan". Here the dealer acts as ...

car finance - help from the ombudsman - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/car-finance.html
Complaint about car finance? Find out the ombudsman's approach to sorting things out fairly - from faulty cars to problems with repayments.

FAQs - complaining to the ombudsman - Financial Ombudsman Service

http://www.financial-ombudsman.org.uk/faq/complain.html
Apr 13, 2016 - complaining to the ombudsman. making a complaint. how do I complain to the Financial Ombudsman Service? what's the best way of making ...

issue 87 - insurance complaints connected with travel or holidays

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/87/87-insurance-connected-to-travel.htm
This selection of recent travel and holiday-related case studies illustrates some of the circumstances that can give rise to insurance complaints.

issue 49 - National Savings & Investments joins the Financial ...

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/49/national-savings-investments.htm
article on National Savings & Investments joining the Financial Ombudsman Service.

travel insurance - Financial Ombudsman Service

http://www.financial-ombudsman.org.uk/publications/technical_notes/travel-insurance.htm
Apr 18, 2016 - Travel insurance is a very wide-ranging product, designed to provide cover for many eventualities and situations while the policyholder is either ...

calculating compensation in investment complaints

http://www.financial-ombudsman.org.uk/publications/technical_notes/calculating-comp-investment-complaint.html
Aug 23, 2017 - online technical resource. calculating compensation in investment complaints. Where we decide that a consumer should be compensated for investment loss that happened because they received unsuitable advice from a business, we usually aim - as far as possible - to put the consumer in the position ...

calculating compensation in investment complaints

http://www.financial-ombudsman.org.uk/publications/technical_notes/calculating-comp-investment-complaint.html
Aug 23, 2017 - online technical resource. calculating compensation in investment complaints. Where we decide that a consumer should be compensated for investment loss that happened because they received unsuitable advice from a business, we usually aim - as far as possible - to put the consumer in the position ...

car write-offs and valuations - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html
A vehicle might be written off because it isn't worth the cost of repairing it - or because it's been stolen and never found. Insurers sometimes call a write-off a "total loss". If a vehicle's been written off, an insurer will usually pay out its "market value" just before it was written off. Some people complain to us that the insurer hasn't ...

car write-offs and valuations - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html
Complaint about a car write-off? Find out about the ombudsman's approach to sorting things out fairly - including modifications and valuations.

payday lending - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/policy-statements/payday_lending_report.pdf
Page 2 payday lending: pieces of the picture. “settling disputes ... chapter 2 the payday lending enquiries and complaints. 9 ...... against Lending Stream Limited.

car write-offs and valuations - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html
Complaint about a car write-off? Find out about the ombudsman's approach to sorting things out fairly - including modifications and valuations.

issue 22 - motor insurance - vehicle valuations - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/22/issue-22-motorinsurance.htm
issue 22, motor insurance - vehicle valuations. ... Specialist publications can help in the valuing of unusual or "classic" vehicles. And it can sometimes be useful ...

car write-offs and valuations - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html
If a vehicle's been written off, an insurer will usually pay out its "market value" just before it was written off. Some people complain to us that the insurer hasn't ...

issue 49 - National Savings & Investments joins the Financial ...

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/49/national-savings-investments.htm
article on National Savings & Investments joining the Financial Ombudsman Service.

car write-offs and valuations – Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html
Apr 18, 2016 - To reach a fair price, it's important to check that the vehicle's details have been recorded correctly. To decide whether an insurer's valuation is ...

issue 92 - 'repair, replace or cash' - disputes about how insurance ...

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/92/92-insurance-claims.html
ombudsman news. issue 92. February / March 2011. 'repair, replace or cash' - disputes about how insurance claims are settled. We frequently see complaints ...

car write-offs and valuations - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html
If a vehicle's been written off, an insurer will usually pay out its "market value" ... my insurer's saying my car wasn't in good condition - and they won't pay me a ...

issue 22 - motor insurance - vehicle valuations

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/22/issue-22-motorinsurance.htm
Most policyholders assume that their insurance policy will enable them to replace with a similar vehicle a car that has been stolen or damaged beyond repair.

motor insurance: vehicle valuation - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html
Jump to loss of use and courtesy cars - Generally, the policy in question will specify whether the consumer is entitled to a courtesy car. But even if it does, ...

issue 22 - motor insurance - vehicle valuations - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/22/issue-22-motorinsurance.htm
Our approach mirrors this. We want to see firms making a reasonable assessment of the car's "market value" - and then paying this amount. The "market value" is ...

issue 49 - National Savings & Investments joins the Financial ...

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/49/national-savings-investments.htm
article on National Savings & Investments joining the Financial Ombudsman Service.

issue 22 - motor insurance - vehicle valuations

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/22/issue-22-motorinsurance.htm
We want to see firms making a reasonable assessment of the car's "market value" - and then paying this amount. The "market value" is the likely cost to the ...

mortgage arrears and hardship - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/mortgages-arrears-and-hardship.html
Oct 12, 2015 - overview. When a consumer is unable to make their full monthly mortgage payment, the mortgage account falls into arrears. Because part of the ...

debt collecting - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/debtcollecting-note.html
Aug 23, 2017 - Debt collectors have been regulated by the Financial Conduct Authority (FCA) since 1 April 2014 - and were previously licensed by the Office of Fair Trading. ... It may sometimes be appropriate to register a complaint against the lender or hirer, rather than the debt collector who is working for them and is ...

issue 9 - re-discovered old passbooks - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/9/sept-re-discovered-old-passbooks.htm
re-discovered old passbooks. background. Barely more than a generation ago, few banks and building societies had much in the way of computerised systems.

GAP insurance - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/GAP-insurance.html
Complaint about a claim on your GAP insurance? Find out about the ombudsman's approach to sorting things out - including unexpected shortfalls and delays.

complaints about GAP insurance – case studies - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/GAP-insurance-case-studies.html
Apr 15, 2016 - How would the ombudsman sort things out? Read our practical case studies on the complaints about GAP insurance we see most often.

issue 49 - National Savings & Investments joins the ...

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/49/national-savings-investments.htm
article on National Savings & Investments joining the Financial Ombudsman Service.

Financial Ombudsman | Free, fair, for everyone

http://www.financial-ombudsman.org.uk/
Financial Ombudsman Service. The power to settle financial complaints. menu ... Financial Ombudsman Service Limited last updated 4/11/2015. top of page.

travel insurance - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/travel-insurance.htm
online technical note on travel insurance. ... This can become a problem when the policyholder has to cancel the holiday before they go. In these circumstances ...

car write-offs and valuations - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html
Dec 18, 2017 - If a vehicle's been written off, an insurer will usually pay out its "market value" just before it was written off. Some people complain to us that the insurer hasn't paid them enough. Others are unhappy that the insurer ... my insurer's saying my car wasn't in good condition - and they won't pay me a fair price .

motor insurance - keys in Car - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-insurance-keys-in-car.html
This note covers our approach to a complaint that an insurer has refused to pay a claim for the theft of a vehicle because the ignition keys were left in or on the ...

car write-offs and valuations - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html
If a vehicle's been written off, an insurer will usually pay out its "market value" ... my insurer's saying my car wasn't in good condition - and they won't pay me a ...

Letter, Mr and Mrs P - Halifax Plc - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/pdf/DVR-HalifaxB1-FD.pdf
Oct 1, 1999 - You have a Halifax fixed-rate mortgage, which is subject to an early ... because Halifax introduced a second variable mortgage interest rate,.

issue 89 - banking complaints about disputed debit card transactions

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/89/89-banking-complaints.htm
issue 89 banking complaints about disputed debit card transactions. ... M had neither withdrawn the money himself nor given anyone else the means to do so.

complaints involving automatic payments made by direct debits

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/82/82-automatic-payments.htm
issue 82 complaints involving automatic payments made by means of direct debits, standing orders and continuous-payment authorities.

compensation for distress, inconvenience, trouble and upset

http://www.financial-ombudsman.org.uk/publications/technical_notes/distress-and-inconvenience.htm
Find out the financial ombudsman's approach to compensation - including distress, inconvenience and other types of ... what do we mean by trouble and upset?

disputed transactions - Financial Ombudsman

http://www.financial-ombudsman.org.uk/publications/technical_notes/disputed-transactions.htm
technical note: disputed transactions. ... This means a fraudster must also obtain the personal identification number by some means. Other features of a debit or ...

we are the ombudsman - careers quiz - Financial Ombudsman

http://www.financial-ombudsman.org.uk/about/quiz/careers-quiz.html
Apr 12, 2016 - a service for everyone: careers quiz. ... we are the ombudsman… our job is to settle disputes could it be your job too? stopwatch ...

personal accident - Financial Ombudsman Service

http://www.financial-ombudsman.org.uk/publications/technical_notes/personal-accident.htm
Apr 18, 2016 - Most personal accident policies contain an exclusion that means if the .... where the death or bodily injury did not happen solely as a result of ...

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