Your letters: Open letter to the ABI, FSA and FOS

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According to the Financial Ombudsman Service (FOS) Annual Review 2009/2010 only 3,437 of their new cases involved complaints concerning building insurance, more than double the 1,549 in their 2003/4 review. They do not give any further breakdown but I think it a fair assumption that the majority concerned claims.

Many complaints do not reach the FOS. Insurers accede, compromise or persuade the policyholder their decision was correct. Some complainants give up, a few litigate and others exceed

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