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Lady London 2,025 posts

Is anyone else going direct to MCOL rather than FOS?

I have good reason for wanting this resolved a lot sooner than seven months from now, preferably less than four, so I’m thinking MCOL might be the quicker route (?).

@memesweeper mentioned MCOL.

I’d be doing MCOL. Though I don’t regard the two as mutually exclusive, at all. Just FOS decisions too many instances reported over the years of MCOL going the right way when CEDR and some ombudsman, the FOS in parricular, didn’t.

Plus compensation I’ve seen in many reports awarded by the FOS for some quite serious mistreatment, years of fighting and stress to get sorted out – and FOS awards some pathetic amount like £75 or £150 for stress and inconvenience. I’d pay that for a lunch and I’m not rich.

Then there are the delays with FOS, 18 months has been not at all unknown and the strong suspicion that quite a few of their ombudsmen who decide your case with them, are not actually very good. (They’ve made a lot of redundancies, spending a bit on consultants, recruiting some more, and reorganising, so things may well improve but they’re definitely not there yet.)

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