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Complaint to the Financial Ombudsman

  • 21-02-2012 9:31pm
    #1
    Cypresstree
    Registered Users, Registered Users 2 Posts: 234 ✭✭


    Hi all,
    Hope its ok to ask this... feel free to move or amend as appropriate..

    I'm currently in discussions with my mortgage provider in relation to reverting back to tracker, but I think I may be going down the Financial Ombudsman route.... my question is:

    is it worthwhile to engage legal help when filling out the 4 page complaint form?

    It probably seems like a stupid question, but Im afraid if I fill it out myself, I might not make sense, and it might get thrown out!!

    I want to submit a concise, accurate and complete complaint iykwim!

    Thanks guys


Comments

  • #2
    johnfás
    Registered Users, Registered Users 2 Posts: 1,342 ✭✭✭johnfás


    Drafting a complaint like that is certainly something that a solicitor could help you with. It is very common for solicitors to ghost write complaints etc on behalf of the client whereby everything us submitted under the name of the client.


  • #3
    Ayla
    Registered Users, Registered Users 2 Posts: 1,508 ✭✭✭Ayla


    If you're more comfortable you can get a 3rd party (legal or otherwise) to help you fill out the form. The initial complaint document is very straight-forward, though, so it is likely that you can do it yourself. And, fyi, if you decide to use a 3rd party, it doesn't have to be a solicitor or anyone "professional" as such - a well spoken & relatively knowledgable family member/friend can suffice (and will likely be less expensive).

    Oh, and make sure you're well familiar with the complaints procedure...you first have to put a formal complaint in writing to your financial provider (ie: bank) and allow them to respond through their Complaints Procedure (make sure you get a copy of that - they are legally obligated to have one & give it to you on demand). Only after you go through their full procedure and you still cannot get a resolution do you submit your complaint to the Ombudsman. Make sure you keep full records of everything - every paper, every phone call, everything. If it does go to the Ombudsman you'll need all those to back up your argument.

    Then, assuming it goes to Ombudsman, it will not be "thrown out"...after he reads all documents/evidence, he may ask either you or the financial provider for more info, possibly offer the opportunity for mediation, and then he will do his ruling. This ruling is binding on all parties.


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