If you're unhappy with the outcome of your car finance mis-selling claim with the car finance company or claims management company in the UK, you can initiate a complaint with the Financial Ombudsman Service (FOS). Here's how:
Eligibility for FOS Complaint:
Initiating the Complaint:
Information Required:
FOS Complaint Process:
Additional Resources:
Disclaimer: Reclaimingcarfinance.co.uk cannot provide legal advice. This information is intended as a general overview and shouldn't be a substitute for professional guidance.
Considering Professional Guidance:
Eligibility for FOS Complaint:
- You must have already complained directly to the car finance company or claims management company involved and received a final response.
- You're generally within the six-month time limit from receiving the final response.
Initiating the Complaint:
- The FOS offers a user-friendly online complaint form: https://www.financial-ombudsman.org.uk/make-complaint
- Alternatively, you can request a complaint form by phone or post. Contact details are available on the FOS website.
Information Required:
- Your details and contact information.
- Details of the car finance company or claims management company you're complaining about.
- A clear and concise explanation of the mis-selling you experienced.
- Copies of any relevant documentation, such as:
- Your initial mis-selling claim to the car finance company.
- Their final response.
- Any communication with the claims management company (if applicable).
- Evidence supporting your mis-selling claim (e.g., pre-contractual information, misleading statements).
FOS Complaint Process:
- Once you submit your complaint, the FOS will acknowledge receipt and may contact you for further information.
- They'll investigate the complaint impartially and contact both parties involved.
- The FOS aims to resolve complaints within six to twelve months, but complex cases may take longer.
Additional Resources:
- Financial Ombudsman Service (FOS): The FOS website offers detailed information on their complaints process and timeframes: https://www.financial-ombudsman.org.uk/make-complaint
Disclaimer: Reclaimingcarfinance.co.uk cannot provide legal advice. This information is intended as a general overview and shouldn't be a substitute for professional guidance.
Considering Professional Guidance:
- While the FOS complaint process is free, a solicitor specialising in mis-selling claims can offer specific advice on your situation. They can help gather evidence, present your case effectively, and potentially improve your chances of a successful outcome.
