There continues be some significant operational issues on a joint mortgage I hold with my ex wife and this has impacted on credit history. I am responsible for making the repayments and have done so fully since the mortgage inception. I believe these issues are widespread within the organisation and the regulator should be looking at these problems thematically. Unfortunately, my ex-wife is not sophisticated enough to appreciate the impacts of this and remains passive and un-cooperative.
I independently formally raised a complaint to the credit servicing firm and was un-happy with the response. Accordingly, I was referred to the ombudsman. I was surprised to find that it is not their policy to progress the complaint unless both parties were willing to sign the notification.
The statement below is from the website. I do not think that this was in place when I referred the complaint to them 4 months ago. I am surprised that the regulated firm has to accept a complaint from any party to a mortgage but that the ombudsman can refuse it. The need for the statement on the FPSO website in the first place suggests that this is a fairly common matter. The explanation for the requirement is weak is not based on legislation.
Anyone know how you complain about the Ombudsman? I am not permitted to highlight the issues directly to the regulator which are affecting many many good people.
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if your complaint concerns a joint account or joint policy, all the owners of that policy or that account must make the complaint to the FSPO and therefore all those owners must sign the FSPO Complaint Form, to confirm their agreement to the processes of this Office.
The FSPO recognises and accepts that all owners of an account or policy have rights, entitlements and liabilities, which can be affected by the outcome of a complaint investigation. The FSPO therefore requires all joint policy or account holders to provide their signatures, to confirm that they each consent to the FSPO's complaint investigation processes.
In the case of the online Complaint Form, Section F must be completed and once we receive the completed complaint form from you, we will then contact you to obtain physical signatures.
I independently formally raised a complaint to the credit servicing firm and was un-happy with the response. Accordingly, I was referred to the ombudsman. I was surprised to find that it is not their policy to progress the complaint unless both parties were willing to sign the notification.
The statement below is from the website. I do not think that this was in place when I referred the complaint to them 4 months ago. I am surprised that the regulated firm has to accept a complaint from any party to a mortgage but that the ombudsman can refuse it. The need for the statement on the FPSO website in the first place suggests that this is a fairly common matter. The explanation for the requirement is weak is not based on legislation.
Anyone know how you complain about the Ombudsman? I am not permitted to highlight the issues directly to the regulator which are affecting many many good people.
===========================================================================================================
if your complaint concerns a joint account or joint policy, all the owners of that policy or that account must make the complaint to the FSPO and therefore all those owners must sign the FSPO Complaint Form, to confirm their agreement to the processes of this Office.
The FSPO recognises and accepts that all owners of an account or policy have rights, entitlements and liabilities, which can be affected by the outcome of a complaint investigation. The FSPO therefore requires all joint policy or account holders to provide their signatures, to confirm that they each consent to the FSPO's complaint investigation processes.
In the case of the online Complaint Form, Section F must be completed and once we receive the completed complaint form from you, we will then contact you to obtain physical signatures.