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.CONTENTSOne - Introduction to the FOSTwo - The ComplaintThree - The FOS's Compulsory andFour - The FOS's Territorial JurisdictionFive - Who Is an Eligible Complainant?Six - Time Limits for Complaints to the FOSSeven - Procedure: An IntroductionEight - Determining Jurisdiction and Summary Dismissal of ComplaintsNine - Fact FindingTen - Oral HearingsEleven - Determining the Complaint: The FOS's 'Fair and Reasonable' ApproachTwelve - Paying for the ComplaintThirteen - FOS AwardsFourteen - How an Award Is Accepted or Rejected,Fifteen - Enforcement of FOS Awards in CourtSixteen - Interaction Between the FOS and LitigationSeventeen - Challenging FOS Decisions in the Courts: Judicial Review and Other Options ProcedureEighteen - The Respondent's Insolvency: The FSCS and the Third Party (Rights Against Insurers) ActsNineteen - Complaining About the FOSTwenty - FOS and the FCA Consumer Duty