The following Financial Services Q&A provides comprehensive and up to date legal information covering:
See, in general, Practice Notes: Unfair relationships under the Consumer Credit Act 1974, Financial Ombudsman Service—essentials, Financial Ombudsman Service—remedies, Financial Ombudsman Service—compulsory jurisdiction and The complaint-handling process of the Financial Ombudsman Service.
In considering whether the Financial Ombudsman Service (FOS) has jurisdiction to deal with a complaint relating to an unfair relationship under sections 140A–140C of the Consumer Credit Act 1974 (CCA 1974) the jurisdiction of the Financial Ombudsman Service (FOS) in relation to credit-related complaints is provided for in the FCA Handbook at DISP 2.1.1G, DISP 2.1.2G, DISP 2.3.1R, and DISP 2.3.2–AG.
The FOS webpage on consumer credit explains the FOS’ general approach to complaints about consumer credit, including complaints relating to CCA 1974. See Consumer
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