How can I initiate a complaint with the Financial Ombudsman Service regarding car finance mis-selling?

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:

• 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.