How to complain to the FOS
If you’re in debt and the debt collectors are harassing you, you could get help from the Financial Ombudsman Service. If debt collectors threaten to register you with a CCJ you can file a complaint with the Financial Ombudsman Service.
After filing a complaint you need to be patient and not contact the bailiff.
When the FOS has collected all the information, they’ll let you know if the company treated you fairly and they’ll need to ensure you’re on the right track to avoid a CCJ for not paying your loan.
The FOS will also explain their conclusion.
If you both agree with the final verdict, the case is closed.
If you don’t agree with the final decision, you can file another complaint. Make sure you provide as much information as possible.
If your follow up complaint doesn’t have the outcome you were hoping for, you can ask for a case referral and take legal action, but the FOS won’t get involved at this stage.
The length of the process is usually determined by how complex your situation is.
Debt collectors can be hard to deal with, and sometimes you’ll feel harassed. To avoid this, you need to have a plan about how to repay your debts.