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DISP 3.1 Purpose, interpretation and application

Purpose

DISP 3.1.1 G RP

The purpose of this chapter is to set out:

  1. (1)

    the procedures of the Financial Ombudsman Service for investigating and determining complaints;

  2. (2)

    the basis on which the Ombudsman makes decisions; and

  3. (3)

    the awards which the Ombudsman can make.49

Interpretation

DISP 3.1.2 R RP

In this chapter, 'out of jurisdiction' means outside the Compulsory Jurisdiction and the Voluntary Jurisdiction in accordance with DISP 2.49

5 10
DISP 3.1.3 R RP

Where the respondent is a partnership (or former partnership), it is sufficient for the Ombudsman to communicate with one partner (or former partner).49

DISP 3.1.4 G RP

The Ombudsman Transitional Order and the Claims Management Order6 requires the Financial Ombudsman Service to complete the handling of relevant existing complaints and relevant existing claims management complaints6, in a significant number of respects, in accordance with the requirements of the relevant former scheme rather than in accordance with the requirements of this chapter.49

Application

DISP 3.1.5 R RP

This chapter applies to the Ombudsman and to respondents.49

DISP 3.1.6 R

7This chapter applies to a TP firm. This rule demonstrates the contrary intention under GEN 2.2.26R.

DISP 3.2 Jurisdiction

DISP 3.2.1 R RP

The Ombudsman will have regard to whether a complaint is out of jurisdiction.26

DISP 3.2.2 R RP

Unless the respondent has already had eight weeks to consider the complaint (or for EMD complaints and PSD complaints the time specified by DISP 2.8.1R(2A))3 or issued a final response or summary resolution communication, 9the Ombudsman will refer the complaint to the respondent (except where DISP 2.8.1R(4) applies).8

2 6 8
DISP 3.2.2A R RP

7If the subject matter of a complaint falls to be dealt with by the respondent under a consumer redress scheme, and the time limits specified under the scheme for doing so have not yet expired, the Ombudsman will refer it to the respondent to be dealt with under the scheme (except where DISP 2.8.1R(4) applies).8

8
DISP 3.2.3 R RP

Where the respondent alleges that the complaint is out of jurisdiction, the Ombudsman will give both parties an opportunity to make representations before he decides.26

1 5 1 5 1 5 2 6
DISP 3.2.4 R RP

Where the Ombudsman considers that the complaint may be out of jurisdiction, he will give the complainant an opportunity to make representations before he decides.26

2 6
DISP 3.2.5 R RP

Where the Ombudsman then decides that the complaint is out of jurisdiction, he will give reasons for that decision to the complainant and inform the respondent.26

2 6
DISP 3.2.6 R RP

Where the Ombudsman then decides that the complaint is not out of jurisdiction, he will inform the complainant and give reasons for that decision to the respondent.26

DISP 3.3 Dismissal without consideration of the merits and test cases

DISP 3.3.1 R RP

Where the Ombudsman considers that the complaint may be one which should be dismissed without consideration of the merits, he will give the complainant an opportunity to make representations before he decides.29

DISP 3.3.2 R RP

Where the Ombudsman then decides that the complaint should be dismissed without consideration of the merits, he will give reasons to the complainant for that decision and inform the respondent.29

DISP 3.3.3 G RP

Under the Ombudsman Transitional Order and the Mortgage and General Insurance Complaints Transitional Order and the Claims Management Order6, where the Ombudsman is dealing with a relevant complaint, he must take into account whether an equivalent complaint would have been dismissed without consideration of its merits under the former scheme in question, as it had effect immediately before the relevant6 order came into effect.

2 9 2 9
DISP 3.3.3A G

6Under the Claims Management Order the Ombudsman may dismiss a relevant claims management complaint, if he considers that the complaint would have been dismissed under the rules of the former scheme or should be dismissed under the grounds for dismissal in DISP 3.3.4R or DISP 3.3.4AR. Where the Ombudsman is dealing with a relevant new claims management complaint the rules of the former scheme must be read as if they were subject to paragraph 13 of Schedule 3 of the ADR Regulations.

Grounds for dismissal

DISP 3.3.4 R RP

The Ombudsman may dismiss a complaint413referred to the Financial Ombudsman Service before 9 July 2015 413without considering its merits if 413the Ombudsman413considers that:

5
  1. (1)

    the complainant has not suffered (or is unlikely to suffer) financial loss, material distress or material inconvenience; or

  2. (2)

    the complaint is frivolous or vexatious; or

  3. (3)

    the complaint clearly does not have any reasonable prospect of success; or

  4. (4)

    the respondent has already made an offer of compensation (or a goodwill payment) which is:

    1. (a)

      fair and reasonable in relation to the circumstances alleged by the complainant; and

    2. (b)

      still open for acceptance; or

  5. (5)

    the respondent has reviewed the subject matter of the complaint in accordance with:

    1. (a)

      the regulatory standards for the review of such transactions prevailing at the time of the review; or

    2. (b)

      [deleted]11

      11
    3. (c)

      any formal regulatory requirement, standard or guidance published by the FCA12 or other regulator in respect of that type of complaint;

      12

    (including, if appropriate, making an offer of redress to the complainant), unless he considers that they did not address the particular circumstances of the case; or

  6. (5A)

    the respondent has reviewed the subject matter of the complaint and issued a redress determination in accordance with the terms of a consumer redress scheme; or11

  7. (6)

    the subject matter of the complaint has previously been considered or excluded under the Financial Ombudsman Service, or a former scheme (unless material new evidence which the Ombudsman considers likely to affect the outcome has subsequently become available to the complainant); or

  8. (7)

    the subject matter of the complaint has been dealt with, or is being dealt with, by a comparable independent complaints scheme or dispute-resolution process; or

  9. (8)

    the subject matter of the complaint has been the subject of court proceedings where there has been a decision on the merits; or

  10. (9)

    the subject matter of the complaint is the subject of current court proceedings, unless proceedings are stayed or sisted (by agreement of all parties, or order of the court) so 413that the matter may be considered by 413the Financial Ombudsman Service; or

    55
  11. (10)

    it would be more suitable for the subject matter of the complaint to be dealt with by a court, arbitration or another complaints scheme; or

  12. (11)

    it is a complaint about the legitimate exercise of a respondent's commercial judgment; or

  13. (12)

    it is a complaint about employment matters from an employee or employees of a respondent; or

  14. (13)

    it is a complaint about investment performance; or

  15. (14)

    it is a complaint about a respondent's decision when exercising a discretion under a will or private trust; or

  16. (15)

    it is a complaint about a respondent's failure to consult beneficiaries before exercising a discretion under a will or private trust, where there is no legal obligation to consult; or

  17. (16)

    it is a complaint which:

    1. (a)

      involves (or might involve) more than one eligible complainant; and

    2. (b)

      has been referred without the consent of the other complainant or complainants;

    and the Ombudsman considers that it would be inappropriate to deal with the complaint without that consent; or

  18. (16A) 310

    it is a complaint about a pure landlord and tenant issue arising out of a regulated sale and rent back agreement; or

  19. (17)

    there are other compelling reasons why it is inappropriate for the complaint to be dealt with under the Financial Ombudsman Service.29

DISP 3.3.4A R RP

4 13The Ombudsman may dismiss a complaint referred to the Financial Ombudsman Service on or after 9 July 2015 without considering its merits if the Ombudsman considers that:

  1. (1)

    the complaint is frivolous or vexatious; or

  2. (2)

    the subject matter of the complaint has been dealt with, or is being dealt with, by a comparable ADR entity; or

  3. (3)

    the subject matter of the complaint has been the subject of court proceedings where there has been a decision on the merits; or

  4. (4)

    the subject matter of the complaint is the subject of current court proceedings, unless proceedings are stayed or sisted (by agreement of all parties, or order of the court) so that the matter may be considered by the Financial Ombudsman Service; or

  5. (5)

    dealing with such a type of complaint would otherwise seriously impair the effective operation of the Financial Ombudsman Service.

DISP 3.3.4B G

4 13Examples of a type of complaint that would otherwise seriously impair the effective operation of the Financial Ombudsman Service may include:

  1. (1)

    where it would be more suitable for the complaint to be dealt with by a court or a comparable ADR entity; or

  2. (2)

    where the subject matter of the complaint has already been dealt with by a comparable dispute resolution scheme; or

  3. (3)

    where the subject matter of the complaint has previously been considered or excluded under the Financial Ombudsman Service (unless material new evidence which the Ombudsman considers likely to affect the outcome has subsequently become available to the complainant); or

  4. (4)

    it is a complaint which:

    1. (a)

      involves (or might involve) more than one eligible complainant; and

    2. (b)

      has been referred without the consent of the other eligible complainant or complainants,

    and the Ombudsman considers that it would be inappropriate to deal with the complaint without that consent.

DISP 3.3.5 R

[deleted]413

4 13
DISP 3.3.6 G

[deleted]413

2 9 4 13 4 13

DISP 3.4 Referring a complaint to another complaints scheme or court24

DISP 3.4.1 R RP

The Ombudsman may refer a complaint to another complaints scheme where:

1 3
  1. (1)

    he considers that it would be more suitable for the matter to be determined by that scheme; and

  2. (2)

    the complainant consents to the referral.13

Test cases24

DISP 3.4.2 R

2 4The Ombudsman may, with the complainant’s consent, cease to consider the merits of a complaint so that it may be referred to a court to consider as a test case, if:

  1. (1)

    before the Ombudsman has made a determination, they have received in writing from the respondent:

    1. (a)

      a detailed statement of how and why, in the respondent's opinion, the complaint raises an important or novel point of law with significant consequences; and

    2. (b)

      an undertaking in favour of the complainant that, if the complainant or the respondent commences court proceedings against the other in respect of the complaint in any court in the United Kingdom within six months of the complaint being dismissed, the respondent will:

      1. (i)

        pay the complainant's reasonable costs and disbursements (to be assessed, if not agreed, on an indemnity basis) in connection with the proceedings at first instance and any subsequent appeal proceedings brought by the respondent; and

      2. (ii)

        make interim payments on account of such costs if and to the extent that it appears reasonable to do so; and

  2. (2)

    the Ombudsman considers that the complaint:

    1. (a)

      raises an important or novel point of law, which has important consequences; and

    2. (b)

      would more suitably be dealt with by a court as a test case.

DISP 3.4.3 G

2 4Factors that the Ombudsman may take into account in considering whether to cease to consider the merits of a complaint so that it may be the subject of a test case in court include (but are not limited to):

  1. (1)

    whether the point of law is central to the outcome of the dispute;

  2. (2)

    how important or novel the point of law is in the context of the dispute;

  3. (3)

    the significance of the consequences of the dispute for the business of the respondent (or respondents in that sector) or for its (or their) customers;

  4. (4)

    the amount at stake in the dispute;

  5. (5)

    the remedies that a court could impose;

  6. (6)

    any representations made by the respondent or the complainant; and

  7. (7)

    the stage already reached in consideration of the dispute.

DISP 3.5 Resolution of complaints by the Ombudsman

DISP 3.5.1 R RP

The Ombudsman will attempt to resolve complaints at the earliest possible stage and by whatever means appear to him to be most appropriate, including mediation or investigation.15

DISP 3.5.2 G RP

The Ombudsman may inform the complainant that it might be appropriate to complain against some other respondent.15

DISP 3.5.3 G RP

Where two or more complaints from one complainant relate to connected circumstances, the Ombudsman may investigate them together, but will issue separate provisional assessments and determinations in respect of each respondent.15

1 5
DISP 3.5.4 R RP

If the Ombudsman decides that an investigation is necessary, he will then:

  1. (1)

    ensure both parties have been given an opportunity of making representations;

  2. (2)

    send both parties a provisional assessment, setting out his reasons and a time limit within which either party must respond; and

  3. (3)

    if either party indicates disagreement with the provisional assessment within that time limit, proceed to determination.15

Hearings

DISP 3.5.5 R RP

If the Ombudsman considers that the complaint can be fairly determined without convening a hearing, he will determine the complaint. If not, he will invite the parties to take part in a hearing. A hearing may be held by any means which the Ombudsman considers appropriate in the circumstances, including by telephone. No hearing will be held after the Ombudsman has determined the complaint.15

DISP 3.5.6 R RP

A party who wishes to request a hearing must do so in writing, setting out:

  1. (1)

    the issues he wishes to raise; and

  2. (2)

    (if appropriate) any reasons why he considers the hearing should be in private;

so that the Ombudsman may consider whether:

  1. (3)

    the issues are material;

  2. (4)

    a hearing should take place; and

  3. (5)

    any hearing should be held in public or private.15

DISP 3.5.7 G RP

1 5In deciding whether there should be a hearing and, if so, whether it should be in public or private, the Ombudsman will have regard to the provisions of the European Convention on Human Rights.

Evidence

DISP 3.5.8 R RP

1 5The Ombudsman may give directions as to:

  1. (1)

    the issues on which evidence is required;

  2. (2)

    the extent to which evidence should be oral or written; and

  3. (3)

    the way in which evidence should be presented.

DISP 3.5.9 R RP

1 5The Ombudsman may:

  1. (1)

    exclude evidence that would otherwise be admissible in a court or include evidence that would not be admissible in a court;

  2. (2)

    accept information in confidence (so that only an edited version, summary or description is disclosed to the other party) where he considers it appropriate;

  3. (3)

    reach a decision on the basis of what has been supplied and take account of the failure by a party to provide information requested; and

  4. (4)

    treat the complaint as withdrawn and cease to consider the merits if a complainant fails to supply requested information.27

    27
DISP 3.5.10 G RP

1 5Evidence which the Ombudsman may accept in confidence includes confidential evidence about third parties and security information.

DISP 3.5.11 G RP

1 5The Ombudsman has the power to require a party to provide evidence. Failure to comply with the request can be dealt with by the court.

DISP 3.5.12 G RP

1 5The Ombudsman may take into account evidence from third parties, including (but not limited to) the FCA6 , other regulators, experts in industry matters and experts in consumer matters.

6

Procedural time limits

DISP 3.5.13 R RP

1 5The Ombudsman may fix (and extend) time limits for any aspect of the consideration of a complaint by the Financial Ombudsman Service.

DISP 3.5.14 R RP

1 5If a respondent fails to comply with a time limit, the Ombudsman may:

  1. (1)

    proceed with consideration of the complaint; and

  2. (2)

    include provision for any material distress or material inconvenience caused by that failure in any award which he decides to make.

DISP 3.5.15 R RP

1 5If a complainant fails to comply with a time limit, the Ombudsman may:

  1. (1)

    proceed with consideration of the complaint; or

  2. (2)

    treat the complaint as withdrawn and cease to consider the merits.27

    27

DISP 3.6 Determination by the Ombudsman

Fair and reasonable

DISP 3.6.1 R RP

The Ombudsman will determine a complaint by reference to what is, in his opinion, fair and reasonable in all the circumstances of the case.17

1 7
DISP 3.6.2 G RP

Section 228 of the Act sets the 'fair and reasonable' test for the Compulsory Jurisdiction (other than in relation to a “relevant complaint” within the meaning of section 404B(3) of the Act12)8 and DISP 3.6.1 R extends it to the Voluntary Jurisdiction.17

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DISP 3.6.3 G RP

Where a complainant makes complaints against more than one respondent in respect of connected circumstances, the Ombudsman may determine that the respondents must contribute towards the overall award in the proportion that the Ombudsman considers appropriate.17

DISP 3.6.4 R RP

1 7In considering what is fair and reasonable in all the circumstances of the case, the Ombudsman will take into account:

  1. (1)

    relevant:

    1. (a)

      law and regulations;

    2. (b)

      regulators' rules, guidance and standards;

    3. (c)

      codes of practice; and

  2. (2)

    (where appropriate) what he considers to have been good industry practice at the relevant time.

DISP 3.6.5 G RP

1 7Where the Ombudsman is determining what is fair and reasonable in all the circumstances of a relevant new complaint or a relevant transitional complaint or a relevant new claims management complaint4, the Ombudsman Transitional Order, the Mortgage and General Insurance Complaints Transitional Order and the Claims Management Order make provision for him4 to take into account what determination the former Ombudsman might have been expected to reach in relation to an equivalent complaint dealt with under the former scheme in question immediately before the relevant4 order came into effect.

Consumer redress schemes

DISP 3.6.5A G RP

8As a result of section 404B of the Act, if the subject matter of a complaint falls to be dealt with (or has properly been dealt with) under a consumer redress scheme, the Ombudsman will determine the complaint by reference to what, in the opinion of the Ombudsman, the redress determination under the consumer redress scheme should be or should have been, unless the complainant and the respondent agree that the complaint should not be dealt with in accordance with the consumer redress scheme.311

3 11

The Ombudsman's determination

DISP 3.6.6 R RP

1 7When the Ombudsman9 has determined a complaint:

9
  1. (1)

    the Ombudsman will give both parties a signed written statement of the determination, giving the reasons for it;

  2. (2)

    the statement will require the complainant to notify the Ombudsman ,9 before the date specified in the statement, whether he accepts or rejects the determination;

  3. (3)

    if the complainant notifies the Ombudsman that he accepts the determination within that time limit, it is final and binding on both parties;

  4. (4)

    subject to paragraph (4A),9 if the complainant does not notify the Ombudsman that he accepts the determination within that time limit, the complainant will be treated as having rejected the determination, and neither party will be bound by it;

    9
  5. (4A)

    9the complainant is not to be treated as having rejected the determination under paragraph (4) if all the following conditions are met:

    1. (a)

      the complainant notifies the Ombudsman after the specified date of the complainant's acceptance of the determination;

    2. (b)

      the complainant has not previously notified the Ombudsman of the complainant's rejection of the determination;

    3. (c)

      in the view of the Ombudsman, the failure to comply with the time limit for acceptance was as a result of exceptional circumstances;

  6. (5)

    the Ombudsman will notify the respondent of the outcome and, if the complainant is treated as having rejected the determination under paragraph (4), the effect of paragraph (4A).9

DISP 3.6.7 R RP
  1. (1)

    9An Ombudsman may correct any clerical mistake in the written statement of an Ombudsman's determination, whether or not the determination has already been accepted or rejected.

  2. (2)

    Any failure to comply with any provisions of the procedural rules made by the FOS Ltd does not of itself render an Ombudsman's determination void.

Reports of determinations

DISP 3.6.8 G RP
  1. (1)

    9The FOS Ltd will publish a report of any Ombudsman's determination, save that if the Ombudsman who made the determination informs the FOS Ltd that, in the Ombudsman's opinion, it is inappropriate to publish a report of that determination (or any part of it), the FOS Ltd will not publish a report of that determination (or that part, as appropriate).

  2. (2)

    Unless the complainant agrees, a report will not include the name of the complainant, or particulars which (in the opinion of the FOS Ltd) are likely to identify the complainant.

  3. (3)

    The FOS Ltd may charge a reasonable fee for providing a copy of a report.

DISP 3.7 Awards by the Ombudsman

DISP 3.7.1 R RP

Where a complaint is determined in favour of the complainant, the Ombudsman's determination may include one or more of the following:17

  1. (1)

    a money award against the respondent; or17

    17
  2. (2)

    an interest award against the respondent; or17

    17
  3. (3)

    a costs award against the respondent; or17

    17
  4. (4)

    a direction to the respondent.17

Money awards

DISP 3.7.2 R RP

Except in relation to a “relevant complaint” within the meaning of section 404B(3) of the Act10, a9 money award may be such amount as the Ombudsman considers to be fair compensation for one or more of the following:

9
  1. (1)

    financial loss (including consequential or prospective loss); or

  2. (2)

    pain and suffering; or

  3. (3)

    damage to reputation; or

  4. (4)

    distress or inconvenience;

whether or not a court would award compensation.17

DISP 3.7.2A G RP

9In relation to a “relevant complaint” within the meaning of section 404B(3) of the Act10, a money award is a payment of such amount as the Ombudsman determines that a respondent should make (or should have made) to a complainant under the scheme.

DISP 3.7.2B G RP

9A money award under DISP 3.7.2A G may specify the date by which the amount awarded is to be paid.

DISP 3.7.3 G RP

1 7Where the Ombudsman is determining what amount (if any) constitutes fair compensation as a money award in relation to a relevant new complaint, a relevant transitional complaint or a relevant new claims management complaint4, the Ombudsman Transitional Order, the Mortgages and General Insurance Complaints Transitional Order and the Claims Management Order make provision for4 him to take into account what amount (if any) might have been expected to be awarded by way of compensation in relation to an equivalent complaint dealt with under the former scheme in question immediately before the relevant4 order came into effect.

DISP 3.7.4 R RP
1 7 2 8 2 8
  1. (1)

    The maximum money award which the Ombudsman may make is:5

    1. (a)

      £350,000 for a complaint concerning an act or omission which occurred on or after 1 April 2019; and5

    2. (b)

      £160,000 for a complaint concerning an act or omission which occurred before 1 April 2019.5

  2. (2)

    On 1 April each year, for complaints referred to the Financial Ombudsman Service on or after this date up to and including 31 March in the following year, the amounts in (1)(a) and (b) are adjusted by:5

    1. (a)

      applying the percentage increase in CPI between January 2019 and January of that year; and5

    2. (b)

      rounding down to the nearest £5,000.5

[Note: The maximum money award which the Ombudsman may make is set out in the table below. This Note will be updated before any new limit takes effect.

5 date complaint referred

date of act or omission

before 1 April 2019

on or after 1 April 2019

before 1 January 2012

£100,000

n/a

before 1 April 2019 but on or after 1 January 2012

£150,000

n/a

on or after 1 April 2019

£160,000

£350,000

on or after 1 April 2020

£160,000

£355,000

]

DISP 3.7.4A G RP

3The effect of section 404B(5) of the Act is that the maximum award which the Ombudsman may make also applies in relation to a “relevant complaint” within the meaning of section 404B(3) of the Act.10

DISP 3.7.5 G RP

1 7For the purpose of calculating the maximum money award, the following are excluded:

  1. (1)

    any interest awarded on the amount payable under a money award;

  2. (2)

    any costs awarded; and

  3. (3)

    any interest awarded on costs.

DISP 3.7.6 G RP

1 7If the Ombudsman considers that fair compensation requires payment of a larger amount, he may recommend that the respondent pays the complainant the balance. The effect of section 404B(6) of the Act is that this is also the case in relation to a “relevant complaint” within the meaning of section 404B(3) of the Act.10

9
DISP 3.7.7 R RP

1 7The Ombudsman will maintain a register of each money award.

Interest awards

DISP 3.7.8 R RP

1 7 Except in relation to a “relevant complaint” within the meaning of section 404B(3) of the Act10, an9 interest award may provide for the amount payable under the money award to bear interest at a rate and as from a date specified in the award.

9
DISP 3.7.8A G RP

9A money award under DISP 3.7.2A G may provide for interest to be payable, at a rate specified in the award, on any amount which is not paid by the date specified in the award.

Costs awards

DISP 3.7.9 R RP

1 7A costs award may:

  1. (1)

    be such amount as the Ombudsman considers to be fair, to cover some or all of the costs which were reasonably incurred by the complainant in respect of the complaint; and

  2. (2)

    include interest on that amount at a rate and as from a date specified in the award.

DISP 3.7.10 G RP

1 7In most cases complainants should not need to have professional advisers to bring complaints to the Financial Ombudsman Service, so awards of costs are unlikely to be common.

Directions

DISP 3.7.11 R RP

1 7 Except in relation to a “relevant complaint” within the meaning of section 404B(3) of the Act10, a9 direction may require the respondent9 to take such steps in relation to the complainant as the Ombudsman considers just and appropriate (whether or not a court could order those steps to be taken).

9 9
DISP 3.7.11A G RP

9In relation to a “relevant complaint” within the meaning of section 404B(3) of the Act10, a direction may require the respondent to take such action as the Ombudsman determines the respondent should take (or should have taken) under the scheme.

Complying with awards and settlements

DISP 3.7.12 R RP

1 7A respondent must comply promptly with:

  1. (1)

    any award or direction made by the Ombudsman; and

  2. (2)

    any settlement which it agrees at an earlier stage of the procedures.

DISP 3.7.13 G RP

1 7Under the Act, a complainant can enforce through the courts a money award registered by the Ombudsman or a direction made by the Ombudsman.

DISP 3.8 Dealing with information

DISP 3.8.1 R RP

In dealing with information received in relation to the consideration of a complaint, the Financial Ombudsman Service will have regard to the parties' rights of privacy.24

DISP 3.8.2B R RP

2 4This does not prevent the Ombudsman disclosing information:

  1. (1)

    to the extent that he is required or authorised to do so by law; or

  2. (2)

    to the parties to the complaint; or

  3. (3)

    in his determination; or

  4. (4)

    at a hearing in connection with the complaint.

DISP 3.8.3 R RP

So long as he has regard to the parties' rights of privacy, the Ombudsman may disclose information to the FCA5 or any other body exercising regulatory or statutory functions for the purpose of assisting that body or the Financial Ombudsman Service to discharge its functions.24

5

DISP 3.9 Delegation of the Ombudsman's powers

DISP 3.9.1A R RP

2 4The Ombudsman may designate members of the staff of FOS Ltd to exercise any of the powers of the Ombudsman relating to the consideration of a complaint apart from the powers to:

  1. (1)

    determine a complaint; or

  2. (2)

    authorise the disclosure of information to the FCA5 or any other body exercising regulatory or statutory functions.

    5
DISP 3.9.2 G RP

In DISP 2 to DISP 4 any reference to "the Ombudsman" includes a reference to any member of the staff of FOS Ltd to whom the exercise of any of the powers of the Ombudsman has been delegated.24