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Thanks Brendan, For sure it would be interesting to see what outcomes were changed. Actually, even where he doesn't change the decision, it would be better if he said something along the following lines -"in my preliminary decision I had said blah, blah - upon reflection, there was no evidence...

Hi Brendan, I think RoseMc's point is that her post preliminary decision submission didn't serve any use. If I understand RoseMc and MaxGordon correctly, one of their key points is that the Ombudsman's decision does not give the full picture. Clearly, they have a different opinion to you...

There's another current thread where posters share their bemusement by the lack of rationale in a decision of the Ombudsman. It does seem that he is well capable of abandoning logic. https://askaboutmoney.com/threads/update-on-the-simple-vs-compound-interest-challenge.220004/ Thanks RoseMc for...

Two quick comments. 1. Brendan, I spoke with my legal pal........you are not on his Christmas card list! 2. RoseMc - that's very interesting, can you provide any more details and did you appeal the provisional decision of the Ombudsman?

Ah Brendan, We'll have to agree to differ!

Thanks Fizzy

Hi Brendan, I get the feeling that you are a staunch supporter of the Ombudsman! LOL! I appreciate your point here. That is why I said.... In fairness, I was too subtle here. What I was alluding to is that when a solicitor (or other professional) says something, one certainly does, on...

Hi MaxGordon, For what its worth, my solicitor has made some similar comments to me about the Ombudsman's decisions. It was this that prompted my OP. My solicitor is a lifelong friend and I greatly value his opinion. That said, I may persist with the Ombudsman because the ultimate downside risk...

This appears very unsatisfactory - is there not a duty of clear disclosure?

Thanks again, Brendan, I do not wish to run the risk of testing the patience of an expert as per your guidelines earlier on in the week! I should probably finish with this post! My point is that there is a gap - an information gap - between what the Ombudsman can say and the Ombudsman...

Thanks again, Brendan - your time is much appreciated. It seems clear to me that you are as familiar with this stuff as pretty much anyone. Maybe it's a language thing - but "I understand" suggests to me an element of doubt and this feeds into my main observation. The FSPO website talks about...

Thank you, Brendan If someone commences the adjudication route and gets second thoughts about it (mentioned, not so, hypothetically!) - can I back out or is it a case that, once I've engaged, I am committed to seeing it through?

Thanks Brendan, Did it ever have any legal, regulatory or consumer protection significance? If so, what changed? If not, do you have any idea why was it a prescribed disclosure in the first place?

Just bumping this on the off chance that somebody knows something?

Can someone please clarify the issue here please - is it that other insurers cover high-tech/high cost/targeted cancer chemo drugs and LAYA does not?

When the mediation bit has run aground, how does the adjudication bit work with the Ombudsman? What are the advantages & disadvantages of going the adjudication route versus going directly to the High Court? Can one back out of the adjudication route at any stage? Any insights into any of...

And Purple, they invariably have very low mileage!

Hi All, 1. In a letter of approval for a mortgage, does the APR have any particular legal, regulatory or consumer protection significance? 2. What is the purpose of its obligatory inclusion and where is this obligation set out? Thanks in advance for any light that can be shed here!

Sounds great. Is this a feature of all cleaner burn stoves or just certain makes?

Hi all, Thinking of getting one of his for my den - how much does the unit cost and how much approx for installation please?