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February 11, 2026 
Daniel Lee The Real Reason Lenders Are Kicking Off About the FCA’s Motor Finance Redress Scheme Lenders and their trade bodies are currently doing what lenders do best when compensation is due… clutching pearls, warning of “market disruption”, and hinting darkly that the sky will fall on the UK car market if the FCA presses ahead with […]
February 10, 2026 Daniel Lee FOS Training? What Training? When the Investigator Asks Us for the File… There’s a particular kind of institutional decline that doesn’t arrive with a bang. It arrives with an email. Polite. Earnest. Completely, catastrophically wrong. This week, we had a fresh batch of examples of what can only be described as the Financial Ombudsman Service […]
February 10, 2026 Daniel Lee FOS, Freedom of Information, and the Fine Art of “Next Week, Promise” There’s a special kind of irony reserved for organisations that sit in judgement of everyone else’s standards while repeatedly failing their own. The Financial Ombudsman Service (FOS) routinely expects firms to meet deadlines, communicate clearly, and treat consumers fairly. Yet when it is […]
January 30, 2026 Daniel Lee When the dealership tried to time-bar a GAP complaint… and accidentally made it much worse Every now and then a business response lands on your desk that’s so confidently wrong you have to check you haven’t misread it. This week’s contender is a dealership that tried to argue that it didn’t receive any commission (only […]
January 27, 2026 Daniel Lee FOS Still Doesn’t Understand GAP Insurance — And Consumers Are Paying the Price We continue to educate the Financial Ombudsman Service (FOS) as a result of its troubling lack of understanding of GAP insurance complaints, particularly where GAP was financed through a lender and the underlying finance agreement is (or was) subject to a discretionary […]
January 16, 2026 Daniel Lee Six Months. Eighty Percent. And the Slow Erosion of Trust at the Financial Ombudsman Service. The Financial Ombudsman Service (FOS) exists for one reason, to provide an independent, fair resolution when a financial firm and its customer cannot agree. That “fair and reasonable” promise is the entire point of the institution. So when FOS publicly […]
