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<p>Consumers with complaints of this kind may be able to refer their complaint to
the Financial Ombudsman Service (FOS).</p><p> </p><p>The FOS is an independent, non-governmental
body, established to provide for the proportionate, prompt and informal resolution
of consumer complaints against financial services firms. Whether or not an individual
complaint can be taken to the FOS will ultimately depend on the individual details.
The eligibility of a complaint would be a matter for the FOS to consider.</p>
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