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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.)

That was my concern really. I’ve sent my Letter Before Action and given them 21 days to respond, so we’ll see what happens and take it from there. I have my court submission written and ready to go…

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